916-233-0651

What Company Is Calling Me From 916-233-0651? Are They A Scam And Why Are They Calling Me?

The phone number 916-233-0651 belongs to Portfolio Recovery Associates, a debt collection agency. If you receive calls from this number, it’s likely a debt collector trying to reach you about past debts they’ve purchased for collection. Make sure not to provide any financial information during the call and confirm if you indeed owe the debt. If the debt is valid but already settled or the statute of limitations has expired, familiarize yourself with your rights regarding debt collection harassment and keep records of all attempts at contact. Follow guidelines to validate, negotiate, and resolve the debt under the Fair Debt Collection Practices Act. Keep an eye out for potential legal action and consider seeking credit counseling or legal assistance if needed.

How Can I Block Or Stop Calls From 916-233-0651?

To stop receiving calls from 916-233-0651, follow these steps:

1. Let unknown calls go to voicemail and avoid answering directly.

2. If it’s a debt collector, contact your phone carrier to block the number.

3. Use call blocking apps to block the number on your phone.

4. Send a cease and desist letter to the debt collector, keeping records of calls and communication.

5. Consult a non-profit credit counselor or consumer protection attorney for assistance with outstanding debts and guidelines.

6. Be cautious of legal action and seek legal help if necessary. Remember to protect yourself by not giving out financial information and confirming if you owe the debt before engaging with the collector.

Is 916-233-0651 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The phone number 916-233-0651 is linked to Portfolio Recovery Associates, a debt collection agency. Under the Fair Debt Collection Practices Act (FDCPA), you have certain rights and protections as a consumer when it comes to debt collection calls. If you’re receiving calls from this number, it’s crucial to document the date, time, frequency, phone number, and details of the calls, especially if they’re made outside allowed hours, repeatedly, or involve abusive language.

To assert your rights, you can revoke consent for the collection agency to contact you, request no further contact, and send a cease and desist letter. If you believe the calls are violating the FDCPA, report the violations to the Consumer Financial Protection Bureau. You can also consult a consumer protection attorney or contact your state Attorney General’s office for guidance on handling the situation.

If the debt is valid, follow the guidelines to validate, negotiate, and resolve it under the FDCPA. Be cautious of potential legal action, and consider seeking credit counseling or legal assistance to ensure your rights are protected and the debt is handled appropriately.

If 916-233-0651 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If 916-233-0651 is a debt collector, you can validate the debt and protect your rights by following these steps. First, request written validation from the collector using a debt validation letter. Review the validation for accuracy and dispute any incorrect information. Next, consider negotiating a settlement or payment plan, or seek legal action if needed.

To resolve the debt, consult a non-profit credit counseling agency or attorney for guidance. Keep detailed records of all communication, and revoke permission for contact outside the Fair Debt Collection Practices Act (FDCPA) guidelines. Exercise your consumer rights under federal and state law for a fair outcome. Remember, if the debt collector violates the FDCPA, you may have grounds for a lawsuit.

Can 916-233-0651 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If a debt collector like 916-233-0651 is pursuing you for a debt, they can sue you in court and potentially garnish your wages if they win the case. To avoid this, you can negotiate affordable payment plans, assert your inability to pay, seek credit counseling, hire an attorney, or even consider bankruptcy. It’s important to document your efforts and weigh the consequences before agreeing to any payment plan. Settling a debt may have long-term effects on your credit score, so carefully consider your options.

If 916-233-0651 Is A Collection Company, How Can I Remove It From My Credit Report?

First, verify if the debt from 916-233-0651 is legitimate by requesting written confirmation. Carefully review the validation for accuracy. If the debt is incorrect, dispute it per the Fair Credit Reporting Act. If the debt is valid, consider negotiating a pay-for-delete agreement, offering a good faith settlement, hiring a credit repair service, waiting for the 7-year limit, filing a complaint, or consulting an attorney. Keep detailed records and focus on validating debts before taking action. Ultimately, the key to handling calls from 916-233-0651 is to verify the debt’s legitimacy, follow guidelines to validate and resolve the debt, and seek professional assistance if necessary. By staying proactive and informed, you can protect your credit and financial well-being.

What Feedback And Comments Do People Leave About 916-233-0651?

People often leave feedback and comments about 916-233-0651, claiming it to be a suspected robocaller. They advise others to be cautious and block the number due to its “Robocall” status and annoyance. The calls from this number are infrequent but still occur. It may be linked to a debt collector called “Portfolio Recovery Associates,” but users mention outdated debt information. To avoid further calls, people recommend blocking the number. In essence, 916-233-0651 is a phone number that has been reported as a potential robocaller. Users have shared their experiences with this number, often urging others to be cautious and block it to avoid receiving unwanted calls. While the number may be associated with a debt collection agency, some users have mentioned that the debt information provided is outdated. To protect yourself from such calls, it is advised to block the number and be cautious when dealing with any unsolicited calls.