702-825-8994

What Company Is Calling Me From 702-825-8994? Are They A Scam And Why Are They Calling Me?

When you get a call from 702-825-8994, it’s likely from Portfolio Recovery Associates, a real debt buyer/collector. However, some people report it as a scam, maybe because of the negative image of debt collectors. To make sure the call is genuine, ask for proof of the debt if you’re not sure. Be careful with calls in Spanish about debt collection and think about reporting it to the FTC or FCC if needed.

If you’re not sure if the unknown number is a debt collector, let the call go to voicemail and listen to the message. You can also block the number through your phone carrier, call blocking apps, or smartphone settings. If you still get calls, send a “cease and desist” letter via certified mail and check for state-specific laws to better protect your rights.

Consider talking to a non-profit credit counselor or lawyer to negotiate debt resolution and deal with any potential harassment or violations. Remember that the Fair Debt Collection Practices Act (FDCPA) gives consumers protections for debt collection calls. Keep track of any possible FDCPA violations by noting details of the calls to handle any issues that may come up.

How Can I Block Or Stop Calls From 702-825-8994?

To stop calls from 702-825-8994, first identify if it’s a debt collector by letting unknown calls go to voicemail and listening to the messages left. If it’s a debt collector, contact your phone carrier to permanently block the number or use call blocking apps. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

Next, send a cease and desist letter via certified mail demanding no further calls, and check your state’s laws for any additional protections. Keep detailed records of all calls as evidence of harassment. To resolve outstanding debts, consult a non-profit credit counselor or speak to a consumer protection attorney about your rights and potential lawsuits if the collector violates regulations.

Is 702-825-8994 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you are receiving calls from the number 702-825-8994, which is associated with Portfolio Recovery Associates, it is crucial to understand your rights under the Fair Debt Collection Practices Act (FDCPA). If you believe that this number is violating the FDCPA, you have certain protections in place to help address the situation.

To document potential FDCPA violations, record the date, time, frequency, phone number, and details of all calls. Note if they call outside allowed hours of 8am – 9pm in your time zone, and track any abusive, threatening, or obscene language used on calls.

To assert your rights, revoke any prior consent given to call outside normal hours, formally request they cease contact at your workplace if prohibited by your employer, and send a cease and desist letter via certified mail demanding no further contact by phone. You can also verbally request they stop calling during any conversation.

If you believe there have been FDCPA violations, report them to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney regarding your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for guidance if you believe FDCPA violations have occurred. You can also ask an experienced credit counselor how to address the debt without incurring further collection calls.

Adhering to the FDCPA is required for any collector contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 702-825-8994 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate if 702-825-8994 is a debt collector and what your options are, start by requesting written validation of the debt by mailing a debt validation letter to the collector. They are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for accuracy, and dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once the debt is validated, consider negotiating a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. Offer partial payment of 30-50% of the balance if affordable and request deletion from your credit report in exchange. Formally assert your rights under the FDCPA if they violate regulations during collection. Consult a non-profit credit counseling agency for guidance negotiating debt resolution or contact an attorney to understand if bankruptcy or legal action against the collector are viable options.

Keep detailed records of all correspondence and calls for potential complaints. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines. The key is never ignoring a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law before determining the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 702-825-8994 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt is legitimate, the collector could potentially sue you to recover the amount owed. If they obtain a court judgment, your wages or bank accounts could be garnished. To avoid legal action, negotiate affordable payments in writing, assert inability to pay and request they cease contact, seek guidance from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming.

Before agreeing to settle, carefully consider if the proposed payment plan is realistically affordable based on your budget, get any settlement terms or agreements in writing before making payments, be aware a collector can still sue if you default on a settlement, and avoid agreeing to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 702-825-8994 Is A Collection Company, How Can I Remove It From My Credit Report?

If 702-825-8994 is a debt collection company, you can take several steps to remove it from your credit report. First, validate the debt by requesting written confirmation from the collection agency. Review the validation carefully to ensure the debt and your personal information are accurate. If any information is incorrect, send a written dispute to the collector stating the debt is inaccurate per the Fair Credit Reporting Act.

If the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hiring a credit repair service to dispute the debt on your behalf is another option.

Waiting for the 7-year credit reporting time limit to pass is another way to have the collection fall off your report automatically. If the collector violates laws and refuses to remove inaccurate information, file a complaint with the Consumer Financial Protection Bureau. Consult a consumer law attorney to review if the collector broke laws, enabling you to sue for removal and damages.

Proactively validating debts, negotiating with collectors, and asserting your rights can help remove collections from your credit report through persistence and proper documentation. However, first focus on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 702-825-8994?

People often leave feedback and comments about 702-825-8994, as it is linked to Portfolio Recovery Associates, a debt buyer/collector. Users report receiving calls even without debts or association with the company, often from automated systems. Some individuals can stop calls by blocking the number. Negative perceptions of debt collectors lead users to suspect scams. If unsure, request validation of the debt and be cautious of calls in Spanish related to debt collection. File a complaint with the FTC or FCC if necessary. Identify if the unknown number is a debt collector by letting calls go to voicemail and listening to messages. Block the number through your phone carrier, call blocking apps, or smartphone settings. Send a cease and desist letter via certified mail, and check for state-specific laws to further protect your rights. Consult a non-profit credit counselor or attorney to negotiate debt resolution and address any potential harassment or violations. The FDCPA protects consumers regarding debt collection calls, and documenting potential FDCPA violations through recording details of calls can be helpful.