714-276-1014

What Company Is Calling Me From 714-276-1014? Are They A Scam And Why Are They Calling Me?

The company calling from 714-276-1014 is Portfolio Recovery Associates, a debt collection company. While some users may find their calls annoying, they are not necessarily scams. To verify the legitimacy of a call from this number, do research and contact them directly. Always be cautious and report any suspicious calls to the Federal Trade Commission to help identify and prevent scams.

To ensure you’re protected, understand your rights under the Fair Debt Collection Practices Act (FDCPA). Document each call, monitor for violations, and request debt validation. Negotiate settlements or payment plans, and consider legal action if necessary.

Validate the debt’s legitimacy, maintain records, and consider credit repair services. Be aware that users have reported prank calls, subscription renewal companies, and debt collection activities from this number. Robokiller app users have given the number a negative reputation and blocked status. As of now, calls made totaling 16,000, with the last call an hour ago, and caller ID as Portfolio Recovery.

How Can I Block Or Stop Calls From 714-276-1014?

If you’re receiving calls from 714-276-1014, associated with Portfolio Recovery Associates, a debt collection company, follow these steps to block and manage the calls:

1. Identify if it is a debt collector by letting unknown calls go to voicemail. They may leave messages stating they are attempting to collect a debt.

2. Once identified as a debt collector, block the number by contacting your phone carrier to permanently block the number. Most major carriers allow call blocking through customer support or your online account.

3. Utilize call blocking apps like Nomorobo or Hiya to automatically block and filter out the number at the network level.

4. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

5. If the calls persist, send a cease and desist letter via certified mail demanding no further calls. Collectors can only contact to confirm they will stop calls or notify of specific actions after this.

6. Check if your state has laws beyond the FDCPA that prohibit collection calls without written notice. Send a cease and desist letter invoking those rights.

7. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

8. Consult a non-profit credit counselor to help negotiate resolution of the debt.

9. Consider speaking to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

10. Do not avoid unknown calls altogether. Check voicemails to monitor any messages from an identified collector.

Blocking calls does not eliminate any legitimate debts owed. But taking proactive steps can stop harassment while addressing any outstanding debts.

Is 714-276-1014 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) protects consumers from unfair or abusive debt collection practices. If you receive a call from 714-276-1014, which belongs to Portfolio Recovery Associates, document the details of the call, including date, time, frequency, and any inappropriate behavior. Ensure the collector doesn’t call outside of the allowed hours (8 am – 9 pm in your time zone) or use abusive language.

To protect your rights, revoke any prior consent for calls outside normal hours, request they stop calling your workplace, and send a cease and desist letter via certified mail. If you believe FDCPA violations have occurred, report the collector to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for assistance.

Remember, debt collectors must follow the FDCPA guidelines, and you can take action to prevent further harassment by asserting your rights and maintaining detailed records of any calls.

If 714-276-1014 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To validate the debt associated with the number 714-276-1014, which belongs to a debt collection company called Portfolio Recovery Associates, follow these steps:

1. Formally request 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).
2. Carefully review the validation for accuracy. Verify your personal details, the creditor name, account number, and amount owed.
3. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once validated, consider these 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. Request deletion from your credit report in exchange.
3. Formally assert your rights under the FDCPA if they violate 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 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 714-276-1014 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, consider negotiating affordable lump-sum or installment payments in writing, asserting inability to pay and requesting they cease contact, seeking guidance from a non-profit credit counselor, hiring a consumer law attorney, or considering bankruptcy as an option if debts are truly overwhelming.

Before agreeing to settle, make sure 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 don’t agree to payments you realistically can’t maintain. Seek assistance to understand your options and rights first.

Ultimately, understanding your rights under the FDCPA, documenting calls, and monitoring for violations can help protect you from potential scams or harassment. Always verify the legitimacy of the debt collector, maintain records, and consider credit repair services to improve your credit score.

If 714-276-1014 Is A Collection Company, How Can I Remove It From My Credit Report?

If 714-276-1014 is a collection company, you can remove it from your credit report by first verifying the debt’s legitimacy. Request a written confirmation from the collection agency and review it thoroughly for accuracy. If any information is incorrect, submit a written dispute stating the debt is inaccurate according to the Fair Credit Reporting Act.

If the debt is valid, consider negotiating a pay-for-delete agreement in writing, offering a good faith partial settlement payment and requesting deletion, or hiring a credit repair service to dispute the debt on your behalf. Alternatively, you can wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.

If the collector violates laws, file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages. Keep detailed written records demonstrating your efforts to resolve the disputed collection account. By actively validating debts, negotiating with collectors, and asserting your rights, you can potentially remove collections from your credit report through persistence and proper documentation.

What Feedback And Comments Do People Leave About 714-276-1014?

People often leave comments and feedback about the phone number 714-276-1014, mentioning prank calls, subscription renewal companies, and debt collection activities. This number has made over 16,000 calls, with the last one happening just an hour ago. The caller ID shows it as PORTFOLIO RECOVERY, and messages usually involve voicemails from Portfolio Recovery Associates, identifying themselves as debt collectors.

To address these concerns, it’s important to know that, although these calls can be annoying, they are not necessarily scams. To verify their legitimacy, conduct thorough research and directly contact the company to confirm their identity. In case of suspicious calls, report them to the Federal Trade Commission (FTC).

Understanding your rights under the Fair Debt Collection Practices Act (FDCPA) is vital, as it helps protect you from harassment or violations during debt collection. Keep records of all calls and communications, and monitor for any violations of your rights. If you have a debt, request debt validation, negotiate settlements or payment plans, and consider legal action if necessary.

To further validate the debt’s legitimacy, maintain records, and potentially seek credit repair services. Remember that blocking unknown calls is a precautionary measure, and users should remain cautious when receiving calls from unfamiliar numbers.