713-344-9784

What Company Is Calling Me From 713-344-9784? Are They A Scam And Why Are They Calling Me?

The company calling you from 713-344-9784 is Portfolio Recovery Associates, a debt collection agency. Although they are a legitimate business, they have been known to send spam calls and robocalls, causing some users to suspect scams. To avoid unwanted calls and protect your personal information, identify the unknown number, block it, and send a cease and desist letter if needed. Always exercise caution when receiving calls from this number and refrain from sharing personal details if unsure about their legitimacy.

How Can I Block Or Stop Calls From 713-344-9784?

First, identify if the unknown number is a debt collector by letting the call go to voicemail. If they leave a message about collecting a debt, you can be sure it’s a debt collector. Next, block the number from reaching you by contacting your phone carrier to permanently block the number. You can also use call blocking apps like Nomorobo or Hiya to block the number at the network level. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

Once you’ve blocked the number, formally request no further contact by sending a cease and desist letter via certified mail. Make sure to demand no further calls and check if your state has any laws beyond the FDCPA that prohibit collection calls without written notice. Send a cease and desist letter invoking those rights and keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Finally, get help addressing the underlying debt by consulting a non-profit credit counselor to help negotiate resolution of the debt. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations. Remember, blocking calls does not eliminate any legitimate debts owed, but taking proactive steps can stop harassment while addressing any outstanding debts.

Is 713-344-9784 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you’re receiving calls from the number 713-344-9784, associated with Portfolio Recovery Associates, you have rights under the Fair Debt Collection Practices Act (FDCPA). To document potential violations, keep a record of all calls, including date, time, frequency, phone number, and details. Note if they call outside the allowed hours of 8am – 9pm in your time zone, call repeatedly, or use abusive language.

To assert your rights, revoke any prior consent given to call outside normal hours, request them to cease contact at your workplace, send a cease and desist letter via certified mail, and verbally request they stop calling during any conversation. If you believe there are FDCPA violations, report them to the Consumer Financial Protection Bureau to open an investigation. Consult with a consumer protection attorney for guidance on your rights and options, including suing for damages.

Additionally, contact your state Attorney General’s office for assistance if you believe FDCPA violations have occurred. Finally, ask an experienced credit counselor for guidance on addressing the debt without further collection calls. Adhering to the FDCPA is crucial for any collector contacting you, and keeping detailed records and asserting your rights can prevent further harassment from debt collectors.

If 713-344-9784 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 713-344-9784 is a debt collector, it’s essential to validate the debt to ensure its accuracy and legitimacy. To do this, request written validation of the debt by mailing a debt validation letter to the collector, as they are legally required to provide this under the Fair Debt Collection Practices Act (FDCPA).

Once you have validated the debt, consider the following options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report.
3. Formally assert your rights under the FDCPA if the collector violates regulations during collection.
4. Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
5. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

The key is to never ignore 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 713-344-9784 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 713-344-9784, it is likely from Portfolio Recovery Associates, a debt collection company. If the debt is legitimate, they could potentially sue you to recover the amount owed, and if they obtain a court judgment, your wages or bank accounts could be garnished.

To avoid legal action, consider the following steps:

1. Negotiate affordable lump-sum or installment payments in writing to show good faith effort to pay.
2. Assert your inability to pay and request they cease contact. This may prevent suit, but they could still proceed.
3. Seek guidance from a non-profit credit counselor to work with the collector on your behalf.
4. Hire a consumer law attorney to understand your protections under the FDCPA and state law against unreasonable lawsuits.
5. Consider bankruptcy as an option if debts are truly overwhelming. Meet with an attorney to discuss if it’s appropriate.
6. Thoroughly document calls, letters, and your efforts to address the debt so there is a clear record.

Before agreeing to settle, carefully consider:

1. Make sure the proposed payment plan is realistically affordable based on your budget.
2. Get any settlement terms or agreements in writing before making payments.
3. Be aware a collector can still sue if you default on a settlement.
4. Settling for a lump sum that you can’t afford may do more long-term financial harm.

Settling often makes sense to avoid legal action, but don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

If 713-344-9784 Is A Collection Company, How Can I Remove It From My Credit Report?

If 713-344-9784 is a collection company, the first step to remove it from your credit report is to verify if the debt is legitimate. Request written confirmation from the collection agency and review it thoroughly for accuracy. If there are any inaccuracies, dispute the debt in writing.

If the debt is valid, consider negotiating a pay-for-delete agreement to settle the debt in exchange for removal from your credit report. Alternatively, offer a good faith partial settlement payment and request deletion as a gesture of goodwill. You can also hire a credit repair service to dispute the debt on your behalf or wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.

In case of collector violations, file a complaint with the Consumer Financial Protection Bureau and consider consulting a consumer law attorney. Keep detailed written records of your efforts to resolve the disputed collection account. Proactively validating debts, negotiating with collectors, and asserting your rights can help remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 713-344-9784?

When people leave feedback about 713-344-9784, they often express dissatisfaction with the associated debt collector, Portfolio Recovery Associates, mainly due to spam calls, robocalls, and potential scams. It’s important to note that Portfolio Recovery Associates is a legitimate debt collection agency, and addressing any outstanding debts is crucial.

To address these concerns, consider taking the following steps:

1. Identify the unknown number and block it on your phone to prevent further unwanted calls.
2. Send a cease and desist letter to request the calls to stop.
3. Consult with credit counselors or attorneys to better understand your rights and options under the Fair Debt Collection Practices Act (FDCPA).
4. Request written validation of the debt and dispute any inaccuracies.
5. Negotiate settlements with the debt collector or explore legal actions, such as suing the collector, negotiating payment plans, or considering bankruptcy.
6. Work on repairing your credit by validating the debt, disputing collection tradelines, and negotiating pay-for-delete agreements.
7. Seek assistance from credit repair services to help you navigate the process.
8. Report any scams or harassing calls to consumer protection agencies, and keep detailed records of your efforts to resolve the issue.