757-664-9001

What Company Is Calling Me From 757-664-9001? Are They A Scam And Why Are They Calling Me?

When you receive a call from 757-664-9001, it is likely from a company called Portfolio Recovery. This company is a debt collection agency that may call with recorded messages. To ensure your safety, be cautious when receiving calls from this number and do not share any personal information without verifying the caller’s identity.

If you think the call is a scam or unwanted, consider blocking the number and sending a cease and desist letter to request no further contact. It is vital to document any potential Fair Debt Collection Practices Act (FDCPA) violations and seek help from a non-profit credit counselor or consumer protection attorney to address the debt and potential legal action.

To handle the debt, request written validation of the debt, dispute any incorrect information, and negotiate a settlement or payment plan. If the debt is legitimate, you may face legal action such as wage or bank account garnishment. In this case, validate the debt authenticity, dispute incorrect information, and negotiate a pay-for-delete agreement or partial settlement.

Lastly, maintain detailed written records of your efforts to resolve the disputed collection account and report any unwanted calls to the Federal Trade Commission (FTC).

How Can I Block Or Stop Calls From 757-664-9001?

To block or stop calls from 757-664-9001, first, let the unknown caller go to voicemail and check if they leave a message about collecting a debt. If so, consider blocking the number. Contact your phone carrier to block the number permanently or use call blocking apps like Nomorobo or Hiya. You can also set contacts not in your address book to go straight to voicemail or be blocked on your smartphone.

Once you identify the calls as from a debt collector, send a cease and desist letter via certified mail, requesting no further contact. Demand that they stop calling you or only contact you to confirm they will stop calls or notify of specific actions. Seek help from a non-profit credit counselor to negotiate debt resolution or consult a consumer protection attorney regarding your rights and potential lawsuits if the collector violates regulations.

Maintain detailed records of all calls to demonstrate a pattern of harassment if considering legal action. Blocking calls does not eliminate any outstanding debts, but taking proactive steps can stop harassment while addressing any owed debts.

Is 757-664-9001 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The Fair Debt Collection Practices Act (FDCPA) is in place to protect consumers from unfair debt collection practices. If you’re receiving calls from the number 757-664-9001, it’s important to document the details of these calls, such as the date, time, frequency, phone number, and any abusive language used. Keep track of whether they’re calling outside of the allowed hours (8am-9pm) in your time zone.

To assert your rights, you can revoke any prior consent given for calls outside normal hours, request they stop calling your workplace if it’s prohibited, and send a cease and desist letter via certified mail. You can also verbally request them to stop calling during any conversation.

If you believe the collector is violating the FDCPA, report them to the Consumer Financial Protection Bureau to initiate an investigation. Seek guidance from a consumer protection attorney on your specific rights and options, including suing for damages. Additionally, contact your state Attorney General’s office for further assistance.

To manage the debt without further collection calls, consider reaching out to a knowledgeable credit counselor. Always maintain thorough records and adhere to the FDCPA to avoid additional harassment from debt collectors.

If 757-664-9001 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 757-664-9001 is a debt collector, the first step to validate the debt is to request written validation of the debt by mailing a debt validation letter to the collector. This is legally required under the Fair Debt Collection Practices Act (FDCPA). Carefully review the validation for accuracy, checking your personal details, the creditor’s name, account number, and amount owed. Dispute any incorrect or unrecognized information in writing and request removal from your credit report.

Once validated, consider the following options: negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment. Offer partial payment of 30-50% of the balance if affordable, and request deletion from your credit report in exchange. Formally assert your rights under the FDCPA if the collector violates regulations during collection. Consult a non-profit credit counseling agency for guidance negotiating 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 757-664-9001 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 757-664-9001 is a debt collector, they have the legal right to sue you for the debt owed. If they win the lawsuit, they can garnish your wages or bank accounts. To prevent this, try negotiating a payment plan in writing, stating your inability to pay, or seeking help from a non-profit credit counselor or consumer law attorney. Keep records of all calls, letters, and efforts to resolve the debt. Before settling, ensure the payment plan is manageable and consider the long-term financial impact.

If 757-664-9001 Is A Collection Company, How Can I Remove It From My Credit Report?

If 757-664-9001 is a collection company, you can remove it from your credit report by first verifying if the debt is legitimate. Request written confirmation from the collection agency and review it thoroughly to ensure your personal details and the debt information are 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.

If 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. Alternatively, hire a credit repair service to dispute the debt on your behalf and provide legal resources to assist in getting it removed.

You can also wait for 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 757-664-9001?

Various feedback and comments have been left about the phone number 757-664-9001, often associating it with debt collection activities or marking the calls as “Scam suspicion.” Users have reported missed calls with no messages left. The phone number is linked to Portfolio Recovery, a debt collector company. Some users might perceive these calls as scams due to aggressive or misleading tactics. To avoid receiving unwanted calls, users can block the number or use spam call blocking apps, and they can report unwanted calls to the FTC.

Ultimately, it is essential to verify the identity of the caller before sharing personal information and consider blocking the number. If the calls are legitimate and related to a debt, seek help from a non-profit credit counselor or consumer protection attorney to address the debt and potential legal action. Additionally, request written validation of the debt, dispute incorrect information, and negotiate a settlement or payment plan. Maintain detailed written records of efforts to resolve the disputed collection account and report unwanted calls to the FTC.