714-908-2342

What Company Is Calling Me From 714-908-2342? Are They A Scam And Why Are They Calling Me?

Portfolio Recovery Associates is the company calling you from 714-908-2342. While some users may have reported this number as spam or a telemarketer, debt collectors are legally allowed to contact individuals regarding debts. To verify if the caller is a debt collector, request their name, company, address, and the name of the creditor and amount of the debt. If you suspect a violation, file a complaint with the Federal Trade Commission (FTC) or your state Attorney General’s office.

To address unwanted calls, you can try the following steps:

1. Identify if 714-908-2342 is a debt collector by not answering directly and letting calls go to voicemail.
2. Block the number using phone carrier features, call blocking apps, or smartphone settings.
3. Send a cease and desist letter via certified mail and check state laws for additional rights.
4. Consult a non-profit credit counselor or attorney for assistance in resolving the debt and addressing potential violations.
5. Regularly check voicemails to monitor any messages from identified collectors.
6. Request written validation of the debt via a debt validation letter.
7. Review the validation for accuracy and dispute any incorrect information.
8. Negotiate a settlement or payment plan before making any payment.
9. Assert rights under FDCPA if collectors violate regulations.
10. Maintain detailed records of all correspondence and calls.

How Can I Block Or Stop Calls From 714-908-2342?

To stop calls from 714-908-2342, first identify if it’s a debt collector by letting it go to voicemail. If it is, contact your phone carrier to permanently block the number. Alternatively, use call blocking apps or smartphone settings to automatically block the number. Next, send a cease and desist letter via certified mail, demanding no further calls. Seek assistance from a non-profit credit counselor to negotiate debt resolution, and consider speaking to a consumer protection attorney if collectors violate regulations. Regularly check voicemail for messages from identified collectors and maintain detailed records of all calls as evidence of harassment, if needed.

Is 714-908-2342 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is a federal law that safeguards consumers from unfair, deceptive, and abusive debt collection practices. If you receive calls from 714-908-2342, remember that you have rights as a consumer to ensure these calls are conducted ethically and lawfully.

To determine if the calls are violating the FDCPA, document the date, time, frequency, phone number, and details of all calls. Take note if they call outside the allowed hours of 8 am to 9 pm in your time zone, call repeatedly over a short period, or use abusive language.

If you believe the calls are violating the FDCPA, take action to protect yourself. First, revoke any prior consent given to call outside normal hours. Next, request they cease contact at your workplace if prohibited by your employer. 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 violations persist, 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. Finally, 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 714-908-2342 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To start, ensure that 714-908-2342 is indeed a debt collector by not answering their calls and letting them go to voicemail. Next, block their number using your phone carrier features, call blocking apps, or smartphone settings. Then, send a cease and desist letter via certified mail, while also checking your state laws for additional rights.

Consider seeking help from a non-profit credit counselor or attorney to assist in resolving the debt and addressing potential violations. Keep an eye on your voicemails for any messages from identified collectors. Request written validation of the debt via a debt validation letter and carefully review it for accuracy. Dispute any incorrect information and negotiate a settlement or payment plan before making any payment.

Always assert your rights under the FDCPA if collectors violate regulations and maintain detailed records of all correspondence and calls. 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 714-908-2342 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

First, determine if 714-908-2342 is a debt collector by not answering their calls and letting them go to voicemail. Next, block the number using your phone carrier features, call blocking apps, or smartphone settings. You can also send a cease and desist letter via certified mail, following state laws for additional rights. Consult a non-profit credit counselor or attorney for assistance in resolving the debt and addressing potential violations.

Regularly check voicemails to monitor any messages from identified collectors. Request written validation of the debt using a debt validation letter, reviewing it for accuracy and disputing any incorrect information. Negotiate a settlement or payment plan before making any payment, and assert your rights under the Fair Debt Collection Practices Act (FDCPA) if collectors violate regulations.

Maintain detailed records of all correspondence and calls to have a clear record of your efforts to address the debt. Before agreeing to settle, ensure the proposed payment plan is realistically affordable based on your budget, and get any settlement terms or agreements in writing before making payments. Be aware that a collector can still sue if you default on a settlement, and settling for a lump sum that you can’t afford may do more long-term financial harm. Seek assistance to understand your options and rights first.

If 714-908-2342 Is A Collection Company, How Can I Remove It From My Credit Report?

If you suspect that 714-908-2342 is a debt collection company, it’s crucial to validate the debt first. Request written confirmation and review it thoroughly for accuracy. If any information is incorrect, send a written dispute to the collection agency, citing the Fair Credit Reporting Act.

If the debt is confirmed as valid, consider these active 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 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.

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

What Feedback And Comments Do People Leave About 714-908-2342?

The phone number 714-908-2342 is frequently associated with negative feedback and comments, primarily due to scammers, telemarketers, prank calls, and debt collectors. Users often report calls from debt collectors named Felicia, Lydia, and Steve Benson from Portfolio Recovery Associates. To combat these unwanted calls, consider taking the following steps:

1. Identify if the number is a debt collector by not answering directly and letting the call go to voicemail.
2. Block the number using your phone carrier features, call blocking apps, or smartphone settings.
3. Send a cease and desist letter via certified mail, ensuring you check state laws for additional rights.
4. Consult a non-profit credit counselor or attorney for assistance in resolving the debt and addressing potential violations.
5. Regularly check voicemails to monitor any messages from identified collectors.
6. Request written validation of the debt via a debt validation letter.
7. Review the validation for accuracy and dispute any incorrect information.
8. Negotiate a settlement or payment plan before making any payment.
9. Assert your rights under the Fair Debt Collection Practices Act (FDCPA) if collectors violate regulations.
10. Maintain detailed records of all correspondence and calls.

By taking these steps, you can effectively address any unwanted calls from 714-908-2342 and protect yourself from potential scams or violations.