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What Company Is Calling Me From 866-323-1309? Are They A Scam And Why Are They Calling Me?

The company calling from 866-323-1309 is Portfolio Recovery, a legitimate debt collection agency. While they are not a scam, many users report receiving unsolicited calls from them. To verify the legitimacy of a debt collection call, request written verification of the debt. Additionally, consider blocking the number through your phone carrier or call blocking apps, sending a cease and desist letter via certified mail, and documenting call details for potential Fair Debt Collection Practices Act (FDCPA) violations. Consult a non-profit credit counselor or consumer protection attorney to address debt and potential lawsuits, request debt validation, and negotiate a settlement or payment plan. Legitimate debt collectors may sue for owed amounts, leading to wage or bank account garnishment. It is crucial to verify the debt’s legitimacy and take necessary actions to protect yourself from potential scams and identity theft.

How Can I Block Or Stop Calls From 866-323-1309?

If you are receiving calls from 866-323-1309, it is likely from Portfolio Recovery, a debt collection company. To block these unwanted calls, first let unknown callers go to voicemail and avoid answering directly. Then, contact your phone carrier or use call blocking apps to block the number. If you confirm it is a debt collector, send a cease and desist letter via certified mail and document call details for potential FDCPA violations.

Consult a non-profit credit counselor or consumer protection attorney to address your debt and potential lawsuits. Request debt validation through a written letter and negotiate a settlement or payment plan. If you believe the debt is illegitimate, file a complaint with the CFPB. By taking these proactive steps, you can stop harassment while addressing any outstanding debts.

Is 866-323-1309 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The number 866-323-1309 is associated with Portfolio Recovery, a debt collection company. If you are receiving multiple unsolicited calls from this number, you may be experiencing potential FDCPA violations. To protect your rights as a consumer, document the date, time, frequency, phone number, and details of all calls. Keep track of any calls outside of the allowed hours of 8am-9pm in your time zone, frequent calls, and any abusive language used.

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 for guidance on your specific rights and options, which may include suing for damages. Contact your state Attorney General’s office for further assistance if you believe FDCPA violations have occurred.

To address the debt without incurring further collection calls, ask an experienced credit counselor for help. Verify the legitimacy of the call by not answering directly and requesting written verification. Block the number through your phone carrier or call blocking apps to prevent future calls. Remember, adhering to the FDCPA is required for any collector contacting you, and keeping detailed records will help you prevent further harassment from debt collectors.

If 866-323-1309 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 866-323-1309 is a debt collector, the first step is to validate the debt by sending a debt validation letter requesting proof of the debt, including your personal details, creditor name, account number, and amount owed. Review the validation and dispute any incorrect or unrecognized information, requesting removal from your credit report.

Once the debt is validated, consider the following options:

1. Negotiate a reasonable lump-sum settlement or payment installment plan in writing before sending any payment.
2. Offer partial payment of 30-50% of the balance if affordable, requesting deletion from your credit report in exchange.
3. Formally assert your rights under the FDCPA if the collector violates regulations during collection.
4. Consult a non-profit credit counseling agency for guidance negotiating debt resolution.
5. Contact an attorney to understand if bankruptcy or legal action against the collector are viable options.
6. Keep detailed records of all correspondence and calls for potential complaints.
7. Revoke any prior verbal or written permission given to contact you outside FDCPA guidelines.

Always 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 866-323-1309 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If 866-323-1309 is a debt collector trying to contact you, they have the right to sue you for the outstanding debt. If they win the lawsuit, your wages or bank accounts could be garnished. To avoid legal action, consider negotiating affordable payment terms in writing, asserting your inability to pay and requesting they cease contact, seeking guidance from a non-profit credit counselor, hiring a consumer law attorney, or even considering bankruptcy.

Before settling the debt, make sure the proposed payment plan is realistic based on your budget, get any settlement terms in writing, be aware that the collector can still sue if you default on a settlement, and avoid agreeing to payments you can’t maintain. Seek assistance to understand your options and rights before making any decisions.

If 866-323-1309 Is A Collection Company, How Can I Remove It From My Credit Report?

If 866-323-1309 is a collection company, you can take several steps to remove it from your credit report. First, validate the debt by requesting written confirmation. Review the validation carefully, ensuring 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 and 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 dispute the debt on your behalf and provide legal resources to assist in getting it removed. 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. However, focus first on determining if the debt is legitimate before taking action.

What Feedback And Comments Do People Leave About 866-323-1309?

People who have interacted with the phone number 866-323-1309 have predominantly left negative feedback and comments. Many users report receiving multiple calls, often from a robocall, with some identifying the caller as Portfolio Caller, a debt collection company. Others have experienced calls from individuals claiming to be Bank of America representatives, demanding payment for outstanding debts and possessing personal information. These unsolicited and suspicious calls have led to frustration and concern among users. To protect yourself, it’s crucial to verify the legitimacy of the call, block the number, and potentially consider taking legal action if necessary.

You must check your credit report

Go to CreditSesame.com and pull your 3-bureau report FOR FREE