713-559-1978

What Company Is Calling Me From 713-559-1978? Are They A Scam And Why Are They Calling Me?

Portfolio Recovery Services is the company calling from 713-559-1978, and they are a debt collection agency. However, they have been reported as a scam, as they often refuse to identify themselves and use unethical tactics. To protect yourself, block the number, send a cease and desist letter, and report any violations to the Consumer Financial Protection Bureau. If the debt is legitimate, negotiate a payment plan, assert your rights, and consult an attorney to avoid wage garnishment.

How Can I Block Or Stop Calls From 713-559-1978?

If you’re receiving calls from 713-559-1978, it’s essential to identify if the caller is a debt collector. To do this, let unknown calls go to voicemail and avoid answering directly. If it’s a debt collector, take action to block their calls. First, contact your phone carrier to block the number or use call blocking apps available for your device. Second, set contacts not in your address book to go straight to voicemail, preventing further calls.

Next, send a formal cease and desist letter to the debt collector, requesting no further contact. Be sure to check your state’s laws on debt collection practices, and keep detailed records of all communication. If the debt is legitimate, consider consulting a non-profit credit counselor or speaking to a consumer protection attorney to address the issue and negotiate a payment plan. By following these steps, you can effectively handle calls from 713-559-1978 and protect your rights as a consumer.

Is 713-559-1978 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

If you suspect that 713-559-1978 is violating the Fair Debt Collection Practices Act (FDCPA), it’s important to document the details of the calls, including the hours, frequency, and language used. To protect yourself, revoke consent for calls outside of normal business hours and request that the collector does not contact you at work.

Send a cease and desist letter, which is a written request for the collector to stop contacting you. You can also verbally ask the collector to cease calling you. If the violations continue, report the collector to the Consumer Financial Protection Bureau (CFPB) or consult a consumer protection attorney for guidance. Additionally, you can contact your state Attorney General’s office for help or seek advice from a credit counselor to manage your debt.

In the end, asserting your rights and taking action is crucial to protect yourself from abusive debt collection practices.

If 713-559-1978 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

First, determine if 713-559-1978 is indeed a debt collector. If so, start by validating the debt. Request written validation from the collector and examine it for any inaccuracies. If you find any, dispute the information and request removal from your credit report.

Next, consider negotiating a settlement or payment plan with the collector. Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA), so use them when necessary. If needed, consult a credit counselor or contact an attorney for legal advice.

Keep records of all communication with the collector, and only allow them to contact you within the bounds of the FDCPA. If calls become harassing or violate the FDCPA, report the collector to the Consumer Financial Protection Bureau. To avoid unwanted calls, block the number 713-559-1978. If you no longer wish to be contacted, send a cease and desist letter.

Can 713-559-1978 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 713-559-1978, it is likely from Portfolio Recovery Associates, a debt collection agency. If the debt is legitimate, they have the right to 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, consider the following steps:

1. Negotiate affordable payments: Work with the collector to establish a payment plan that fits your budget.
2. Assert your rights: If you genuinely cannot pay, let the collector know. They may be willing to work with you.
3. Seek guidance: Consult a non-profit credit counselor or attorney to help navigate the debt collection process.
4. Consider bankruptcy: If the debt is overwhelming, bankruptcy may be an option.
5. Document calls and efforts: Keep records of all calls and attempts to address the debt.

Before settling the debt, make sure the payment plan is affordable, get agreements in writing, and be aware that the collector can still sue if you default on a settlement. To address potential issues with Portfolio Recovery Associates, block their number, send a cease and desist letter, and report any violations to the Consumer Financial Protection Bureau.

If 713-559-1978 Is A Collection Company, How Can I Remove It From My Credit Report?

If 713-559-1978 is a collection company, it’s crucial to ensure they’re following the law. First, confirm their legitimacy by requesting written proof and scrutinizing it closely. If there are any inaccuracies, dispute them with the collection agency.

Next, consider negotiating a pay-for-delete agreement, offering a partial payment, or enlisting a credit repair service to help remove the negative entry from your credit report. Keep pressing and maintain records of all interactions with the collection company.

If the debt collector breaches any regulations, file a complaint with the Consumer Financial Protection Bureau. Meanwhile, wait for the debt to expire from your report after seven years. If needed, consult an attorney to help manage the situation and safeguard your rights.

What Feedback And Comments Do People Leave About 713-559-1978?

When people receive calls from 713-559-1978, they are often unsure about the legitimacy of the debt being discussed. This number is associated with Portfolio Recovery Associates, a debt collection agency that frequently contacts individuals regarding old debts. Some people even suspect these calls to be scams. In a nutshell, Portfolio Recovery Associates is a debt collection agency that makes calls about outstanding debts, which can be confusing and frustrating.

To protect yourself, you should block the number, send a cease and desist letter, and report any violations to the Consumer Financial Protection Bureau. If the debt is indeed legitimate, negotiate a payment plan, assert your rights under the Fair Debt Collection Practices Act, and consult with an attorney to avoid potential wage garnishment.