714-643-2819

What Company Is Calling Me From 714-643-2819? Are They A Scam And Why Are They Calling Me?

The phone number 714-643-2819 is most likely from the California area code of Anaheim, Buena Park, or Fullerton. It is associated with a debt collector, Portfolio Recovery Associates, according to Robokiller users. There are also reports of this number being a scam or spam. It is unclear why they are calling without leaving a message.

When receiving unknown calls, especially those associated with debt collection or reports of scamming, it is essential to be cautious. To handle such calls, you can block the number and set unknown calls to go to voicemail. You can also send a cease and desist letter and document the calls for potential legal action. Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) protections and rights for consumers regarding debt collection calls.

If the call is related to a debt, request debt validation through a debt validation letter and dispute any inaccuracies. Negotiate a settlement or payment plan, considering options like partial payment, credit counseling, or legal action. Revoke any prior permission given to the collector outside FDCPA guidelines and validate the debt’s legitimacy by requesting written confirmation and dispute any inaccuracies.

If the collector violates laws, consult a consumer law attorney and sue for removal and damages. Other options include negotiating a pay-for-delete agreement, offering a partial settlement, or hiring a credit repair service. Remember to be cautious when receiving calls from unknown numbers and protect your personal information.

How Can I Block Or Stop Calls From 714-643-2819?

To block or stop calls from the number 714-643-2819, follow these steps:

1. Determine if the unknown caller is a debt collector by not answering the call and checking the voicemail for any debt-related information.

2. Contact your phone carrier to block the number permanently, or use call blocking apps like Nomorobo or Hiya.

3. Set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

4. Send a cease and desist letter via certified mail, demanding no further calls from the debt collector.

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

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

7. Speak to a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

8. While blocking calls may stop harassment, it’s essential to address any outstanding debts proactively.

By following these steps, you can effectively stop calls from debt collectors and protect your rights.

Is 714-643-2819 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is designed to protect consumers from unfair debt collection practices. If you’re receiving calls from 714-643-2819, document all details of the calls to create a record of potential harassment or violations. To assert your rights under the FDCPA, you can:

1. Revoke consent for calls outside normal hours.
2. Request no contact at your workplace if prohibited by your employer.
3. Send a cease and desist letter via certified mail demanding no further contact.
4. Verbally request the collector to stop calling during any conversation.

If you suspect FDCPA violations, report them to the Consumer Financial Protection Bureau and consider consulting with a consumer protection attorney. You can also contact your state Attorney General’s office for guidance. Additionally, ask a credit counselor for advice on addressing the debt without incurring further collection calls. Adhering to the FDCPA is mandatory for collectors contacting you, and taking action to protect your rights can help prevent further harassment.

If 714-643-2819 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from a debt collector with the number 714-643-2819, ensure they are legitimate by identifying the company as Portfolio Recovery Associates. If they are a debt collector, you have rights under the Fair Debt Collection Practices Act (FDCPA). To validate the debt, send a debt validation letter by mail requesting written proof of the debt.

Review the validation for accuracy, disputing any incorrect information and requesting removal from your credit report. If the debt is valid, consider negotiating a settlement or payment plan, possibly offering a partial payment of 30-50% if affordable. Request deletion from your credit report in exchange for the payment.

You can also consult a non-profit credit counseling agency for guidance negotiating debt resolution or contact an attorney to explore options like bankruptcy or legal action against the collector. Always keep detailed records of correspondence and calls, and revoke any prior verbal or written permission given to the collector if they violate FDCPA guidelines.

Ultimately, 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 714-643-2819 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector like 714-643-2819 calls you, they may sue to recover the debt and potentially garnish your wages. To avoid this, you can negotiate affordable payments, assert your inability to pay, seek help from a credit counselor, hire a consumer law attorney, or consider bankruptcy.

Before deciding to settle, make sure the proposed payment plan is realistic based on your budget. Ensure any settlement terms or agreements are in writing before making payments, and remember that the collector can still sue if you fail to meet the settlement terms. Settling might be helpful to avoid legal action, but make sure you don’t agree to payments you can’t maintain. Seek guidance to understand your options and rights better.

If 714-643-2819 Is A Collection Company, How Can I Remove It From My Credit Report?

If 714-643-2819 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 carefully for accuracy. If any information is incorrect, send a written dispute stating the debt is inaccurate per the Fair Credit Reporting Act (FCRA) and demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider the following steps to potentially remove it:

1. Negotiate a pay-for-delete agreement in writing to settle the debt in exchange for removal.
2. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill.
3. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed.
4. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report.
5. File a complaint with the Consumer Financial Protection Bureau (CFPB) if the collector violates laws and refuses to remove inaccurate information.
6. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.
7. Keep detailed written records showing your efforts to resolve the disputed collection account.

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

What Feedback And Comments Do People Leave About 714-643-2819?

People leave various feedback and comments about 714-643-2819, often mentioning that it is associated with debt collectors like Portfolio Recovery Associates. Users report receiving calls from this number, but no messages. The call type is listed as unknown and debt collector, indicating its use for debt collection purposes. Some users have even labeled the number as spam or a scam.

To handle concerns about these calls, you can:

1. Block the number and set unknown calls to go to voicemail.
2. Send a cease and desist letter, and document calls for potential legal action.
3. Familiarize yourself with the Fair Debt Collection Practices Act (FDCPA) and its protections for consumers.
4. Request debt validation through a debt validation letter and challenge any inaccuracies.
5. Negotiate a settlement or payment plan, considering options like partial payment, credit counseling, or legal action.
6. Revoke any prior permission given to the collector outside FDCPA guidelines.
7. Verify the debt’s authenticity by requesting written confirmation and dispute any inaccuracies.
8. Negotiate a pay-for-delete agreement, offer a partial settlement, or hire a credit repair service.
9. Consult a consumer law attorney if the collector violates laws and sue for removal and damages.

Remember to be proactive in managing debt collection calls and understanding your rights under the FDCPA to safeguard yourself from potential scams and illegal collection practices.