832-734-9150

What Company Is Calling Me From 832-734-9150? Are They A Scam And Why Are They Calling Me?

The phone number 832-734-9150 is linked to Portfolio Recovery Associates, a debt collection company. While they may call for legitimate purposes, there have been instances of scams, such as fake FedEx delivery confirmations. It’s crucial to verify the caller’s identity and exercise caution before sharing personal information. If you suspect a scam, report it to the authorities and consider using call-blocking services.

To determine if the call is from a debt collector, ask the caller to identify themselves and provide their company name. If it’s Portfolio Recovery Associates, inquire about the specific debt and request written validation. Legitimate collectors will provide this information, so be sure to review it for accuracy.

If you suspect a scam or feel uncomfortable with the call, consider consulting a non-profit credit counselor or attorney to negotiate debt resolution and address potential violations. Additionally, understand your rights under the Fair Debt Collection Practices Act (FDCPA), and document debt collection calls, track violations, and assert your rights.

In the end, always verify the identity of the caller and exercise caution before sharing personal information. Report suspected scams, block unwanted numbers, and consider consulting professionals to handle debt collection calls and negotiations.

How Can I Block Or Stop Calls From 832-734-9150?

To block or stop calls from 832-734-9150, first identify if it’s a debt collector. Unanswered calls may leave messages about a debt. Contact your phone carrier to block the number or use call blocking apps like Nomorobo or Hiya. Set contacts not in your address book to voicemail or block them on your smartphone.

If the calls are from a debt collector, send a cease and desist letter via certified mail demanding no further calls. Check your state laws for any regulations beyond the FDCPA. Send a cease and desist letter invoking those rights and keep detailed records of calls as evidence of harassment.

To handle the debt, consult a non-profit credit counselor for debt resolution or speak to a consumer protection attorney about your rights and potential lawsuits if the collector violates regulations. Blocking calls won’t eliminate any legitimate debts, but taking action can stop harassment and address outstanding debts.

Is 832-734-9150 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The phone number 832-734-9150 is associated with Portfolio Recovery Associates, a debt collection company. Under the Fair Debt Collection Practices Act (FDCPA), you have certain protections and rights as a consumer regarding debt collection calls. To ensure you are not being violated, document the date, time, frequency, phone number, and details of all calls. Track 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 if prohibited, sending a cease and desist letter, and 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.

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 832-734-9150 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 832-734-9150 and suspect it’s a debt collector, it’s crucial to first validate the debt and explore your options. To do this, follow these steps:

1. Request written validation of the debt by sending a debt validation letter to the collector via mail. They are obligated to provide this under the FDCPA.
2. Carefully review the validation for accuracy. Check your personal information, the creditor’s name, account number, and amount owed.
3. Dispute any incorrect or unrecognized information in writing and request its removal from your credit report.

After verifying the debt, consider these options:

4. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
5. Offer a partial payment of 30-50% of the balance if affordable and request debt removal from your credit report in exchange.
6. Assert your rights under the FDCPA if the collector violates regulations during collection.
7. Seek guidance from a non-profit credit counseling agency for assistance in resolving the debt.
8. Consult an attorney to explore bankruptcy or legal action against the collector as viable options.
9. Keep detailed records of all correspondence and calls for potential complaints.
10. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Never ignore a potential debt collector. Confirm if the debt is valid and exercise your consumer rights under federal and state law to determine the best path to resolution. Seek help from professionals to ensure a fair outcome.

Can 832-734-9150 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If the debt collector is calling from 832-734-9150, they are likely associated with Portfolio Recovery Associates, a debt collection company. Ensure you verify the caller’s identity and exercise caution before sharing any personal information. Report any suspected scams to authorities and consider using call-blocking services. If you identify the unknown call as being from a debt collector, block the number. Consult a non-profit credit counselor or attorney to negotiate debt resolution and address potential violations of the Fair Debt Collection Practices Act (FDCPA). Understand your rights as a consumer and document debt collection calls, track violations, and assert your rights. Request written validation of the debt and negotiate a settlement before sending any payment. If the debt collector sues for recovery, consider negotiating payment plans, consulting an attorney, or even considering bankruptcy. Validate the debt’s legitimacy, review the validation for accuracy, and seek credit repair services if needed.

If 832-734-9150 Is A Collection Company, How Can I Remove It From My Credit Report?

If 832-734-9150 is a debt collection company, the first step to remove it from your credit report is to validate the debt’s legitimacy. Request written confirmation of the debt and review the information carefully. If there are any inaccuracies, 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, offering a good faith partial settlement payment and requesting deletion, or hiring a credit repair service to dispute the debt on your behalf. Alternatively, you can wait for the 7-year credit reporting time limit for the collection to automatically fall off your report.

If the collector violates laws, file a complaint with the Consumer Financial Protection Bureau or consult a consumer law attorney to review your options for removal and damages. Keep detailed written records of 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.

What Feedback And Comments Do People Leave About 832-734-9150?

Many people have left comments about the phone number 832-734-9150, stating that it is often associated with debt collection activities. Users have reported receiving calls and texts related to debt collection from this number, and in some cases, it has been used for impersonation attempts. Robokiller users have flagged this number as a debt collector with a negative user reputation.

When receiving calls from this number, it is essential to verify the caller’s identity and exercise caution before sharing any personal information. If you suspect a scam, report it to the appropriate authorities and consider using call-blocking services to prevent unwanted calls.

To handle unknown calls from this number, identify the caller and block the number. Consult a non-profit credit counselor or attorney to negotiate debt resolution and address potential violations of the Fair Debt Collection Practices Act (FDCPA).

Understand your rights as a consumer under the FDCPA and document any debt collection calls, tracking violations, and asserting your rights. Request written validation of the debt and negotiate a settlement before sending any payment. If a collector sues for recovery, consult an attorney, consider payment plans, or even explore bankruptcy as an option.

Lastly, validate the debt’s legitimacy, review the validation for accuracy, and seek credit repair services if needed. By following these steps, you can protect yourself from potential scams and manage debt collection calls effectively.