757-272-1654

What Company Is Calling Me From 757-272-1654? Are They A Scam And Why Are They Calling Me?

Portfolio Recovery Associates (PRA) is the company calling from 757-272-1654. They might be attempting to collect a debt. If they keep calling without leaving messages or revealing their identity, it could be harassment. Although PRA is a real company, scammers can pretend to be debt collectors. To confirm a debt, request written proof and report any harassing or illegal behavior to the FTC or your state Attorney General’s office. Make sure you know your rights under the Fair Debt Collection Practices Act (FDCPA) and take the necessary steps to protect yourself from potential scams and harassment.

How Can I Block Or Stop Calls From 757-272-1654?

To block or stop calls from 757-272-1654, first, identify if the caller is a debt collector by letting unknown calls go to voicemail and checking for messages about debt collection. If confirmed, take these steps:

1. Contact your phone carrier to block the number permanently. Most carriers offer call blocking through customer support or your online account.
2. Utilize call blocking apps like Nomorobo or Hiya to automatically block and filter the number at the network level.
3. For smartphones, set contacts not in your address book to go straight to voicemail or be blocked.

After blocking the number, send a cease and desist letter via certified mail, demanding that the collector stops calling. If the collector continues to harass you, consult a non-profit credit counselor for debt resolution or a consumer protection attorney for potential lawsuits. Keep detailed records of all calls to demonstrate a pattern of harassment if considering legal action.

Is 757-272-1654 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 protects consumers from unfair debt collection practices. If you are receiving calls from the number 757-272-1654, it’s important to know your rights. To determine if the calls are violating the FDCPA, document the date, time, frequency, phone number, and details of all calls.

Some red flags to look for include calls outside of the allowed hours (8am-9pm in your time zone), calls made too frequently, or the use of abusive, threatening, or obscene language. If you believe your rights are being violated, you can revoke any prior consent given for calls outside of normal hours, request they stop calling your workplace, send a cease and desist letter, and verbally request them to stop calling during any conversation.

If you suspect FDCPA violations, report them to the Consumer Financial Protection Bureau for investigation. Consult with a consumer protection attorney for guidance on your specific rights and options, including suing for damages. Additionally, contact your state Attorney General’s office for help if you believe FDCPA violations have occurred. Lastly, seek advice from an experienced credit counselor on how to address the debt without facing further collection calls.

Remember, debt collectors must adhere to the FDCPA when contacting you. Keep detailed records and assert your rights to prevent further harassment from debt collectors.

If 757-272-1654 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

To determine if 757-272-1654 is a debt collector and validate the debt, follow these steps:

1. First, ask the caller for their name, company, and the debt they are trying to collect.
2. If they are a debt collector, request written validation of the debt via mail. They are legally obligated to provide this information under the Fair Debt Collection Practices Act (FDCPA).
3. Carefully review the validation letter for accuracy. Ensure your personal details, the creditor name, account number, and amount owed are correct.
4. Dispute any incorrect or unrecognized information in writing and request its removal from your credit report.

Once you’ve validated the debt, consider the following options:

– Negotiate a reasonable settlement or payment installment plan in writing before sending any payment.
– Offer a partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange.
– Assert your rights under the FDCPA if the collector violates regulations during collection.
– Consult a non-profit credit counseling agency for guidance on debt resolution.
– Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
– Keep detailed records of all correspondence and calls for potential complaints.
– 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 757-272-1654 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 757-272-1654 and it’s a debt collector, they may be able to sue you or garnish your wages if the debt is legitimate. To avoid legal action, try negotiating a payment plan, asserting your inability to pay, or seeking guidance from a non-profit credit counselor or attorney. Document all communication and consider bankruptcy if debts are overwhelming. Before settling, ensure the payment plan is affordable and get any agreements in writing. Be cautious of agreeing to payments you can’t maintain, as it may do more long-term financial harm. Seek assistance to understand your options and rights before making any decisions.

If 757-272-1654 Is A Collection Company, How Can I Remove It From My Credit Report?

If 757-272-1654 is a collection company, the first step to remove it from your credit report is to validate if the debt is legitimate by requesting written confirmation. Review the validation carefully to ensure your personal details and the debt information is accurate. If any information is incorrect, send a written dispute to the collection agency stating the debt is inaccurate per the Fair Credit Reporting Act. Demand they remove the collection tradeline from your credit file.

If the collector verifies the debt is valid, consider negotiating a pay-for-delete agreement in writing to settle the debt in exchange for removal. Offer a good faith partial settlement payment and request deletion as a gesture of goodwill. Hire a credit repair service to formally dispute the debt on your behalf and provide legal resources to assist in getting it removed. Wait out the 7-year credit reporting time limit for the collection to automatically fall off your report. File a complaint with the Consumer Financial Protection Bureau if the collector violates laws and refuses to remove inaccurate information. Consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

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 757-272-1654?

People often leave feedback about 757-272-1654, a phone number associated with Portfolio Recovery Associates, a debt collection agency. Common complaints include receiving calls without messages, multiple callers, and disruptions during nighttime hours. These calls are often related to debt collection for Capital One. Some individuals have also reported issues with the number not leaving voicemails and calling during working hours. To address these concerns, it is crucial to verify the debt, report harassment or illegal behavior to the appropriate authorities, block the calls, and consider seeking legal counsel. Knowing your rights under the Fair Debt Collection Practices Act (FDCPA) and maintaining detailed records of communication can help manage these situations.