817-302-9232

What Company Is Calling Me From 817-302-9232? Are They A Scam And Why Are They Calling Me?

Portfolio Recovery Associates, LLC is the company calling from 817-302-9232. They are a debt collection agency, but users have reported spam calls and robocalls from this number. Although the company is not a scam, the calls may still be unwanted or fraudulent. To address this, don’t answer unknown calls and block them. If you think it’s Portfolio Recovery Associates, send a cease and desist letter to request no further contact.

To handle the underlying debt, consult credit counselors or attorneys to understand your rights and options. Request written validation of the debt and dispute any inaccuracies. Negotiate payment plans with the debt collector and assert your rights under the Fair Debt Collection Practices Act (FDCPA). Keep records of all calls and interactions with the debt collector. If the debt is legitimate and legal action may be taken, consult an attorney for guidance.

In the end, validate the debt’s legitimacy, dispute inaccurate information, and negotiate pay-for-delete agreements to resolve the situation. Be proactive and assert your rights when dealing with debt collectors to protect yourself from potential scams and unwanted calls.

How Can I Block Or Stop Calls From 817-302-9232?

To block or stop calls from 817-302-9232, first identify if it is a debt collector by not answering unknown calls and letting them go to voicemail. Contact your phone carrier to permanently block the number or use call blocking apps. Send a cease and desist letter via certified mail to demand no further calls. Check your state’s laws for additional protections and invoke those rights in your letter. Keep records of all calls for potential harassment cases.

Consider consulting a non-profit credit counselor to negotiate debt resolution or speak to a consumer protection attorney about your rights and legal options. Request written validation of the debt, dispute inaccuracies, and negotiate payment plans or pay-for-delete agreements. If the debt is legitimate, hiring an attorney for guidance is important, as it may lead to legal action.

Is 817-302-9232 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 817-302-9232 is associated with Portfolio Recovery Associates, LLC, a debt collection company. Users report receiving spam calls, robocalls, or recorded messages from this number. Although the company is legitimate, the calls may be unwanted or potentially fraudulent. To identify if it’s a debt collector, do not answer unknown calls and block them.

If you believe you owe the debt, you have rights under the Fair Debt Collection Practices Act (FDCPA). Document the date, time, frequency, phone number, and details of all calls. Note if they call outside allowed hours of 8am – 9pm in your time zone, repeatedly call over a short period, or use abusive language.

Assert your rights by revoking any prior consent given to call outside normal hours, formally requesting they cease contact at your workplace, sending a cease and desist letter, or verbally requesting they stop calling during any conversation. Report any violations, with documentation, 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. 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 817-302-9232 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 817-302-9232 is a debt collector, you need to first validate the debt. To do this, send a debt validation letter by mail, requesting written proof of the debt from the collector. They must provide this 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 ask for removal from your credit report.

Once the debt is validated, consider these options: negotiate a reasonable lump-sum 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. Exercise your rights under the FDCPA if the collector violates regulations. Consult a non-profit credit counseling agency for guidance on debt resolution. Contact an attorney to discuss bankruptcy or legal action against the collector. 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 817-302-9232 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you receive a call from 817-302-9232 and it’s from a debt collector, they have the right to sue you for the outstanding debt. If they win a court judgment, your wages or bank accounts could be garnished. To avoid legal action, you can negotiate a lump-sum or installment payment plan in writing, assert your inability to pay and request they stop contacting you, seek help from a non-profit credit counselor, hire a consumer law attorney, or consider bankruptcy if debts are overwhelming.

Before deciding to settle, make sure the payment plan is realistic based on your budget, 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 don’t agree to payments you can’t maintain. Seeking assistance to understand your options and rights is crucial for making informed decisions about your debt situation.

If 817-302-9232 Is A Collection Company, How Can I Remove It From My Credit Report?

If 817-302-9232 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 thoroughly to ensure your personal details and debt information are accurate. If there are any inaccuracies, send a written dispute to the agency stating the debt is inaccurate per the Fair Credit Reporting Act and demand they remove the collection tradeline from your credit file.

If the collector confirms the debt is valid, you can take further action to potentially remove it. Negotiate 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, 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, or consult a consumer law attorney to review if the collector broke laws enabling you to sue for removal and damages.

It’s crucial to proactively validate debts, negotiate with collectors, and assert your rights to potentially remove collections from your credit report. However, always focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 817-302-9232?

People leave various feedback and comments about 817-302-9232, often expressing dissatisfaction with the number being associated with spam calls and robocalls. The phone number is connected to Portfolio Recovery Associates, LLC, a debt collector. Users complain about aggressive or intrusive calling practices. To manage unwanted calls, one can block the number or send a cease and desist letter. It’s essential to verify the debt’s legitimacy, dispute inaccuracies, and negotiate payment plans while exercising rights under the Fair Debt Collection Practices Act (FDCPA). Maintaining call records and seeking legal advice from an attorney can be beneficial in handling such situations.