954-780-8872

What Company Is Calling Me From 954-780-8872? Are They A Scam And Why Are They Calling Me?

The phone number 954-780-8872 is from Coral Springs, Florida, and belongs to Portfolio Recovery Service, a debt collection agency. They may call about defaulted debts or those sold to them. Evaluate call intentions and consider blocking the number with call blocking services. To handle the situation, let calls go to voicemail, send a cease and desist letter, and report any harassment to the authorities. The Fair Debt Collection Practices Act (FDCPA) protects you from such issues. Validate the debt, negotiate a settlement or payment plan, and consult a credit counselor or attorney for legal advice. If they sue, your wages or bank accounts may be garnished; negotiate affordable payments to avoid legal action. Keep detailed records of all communications with the collector.

How Can I Block Or Stop Calls From 954-780-8872?

First, let the call from 954-780-8872 go to voicemail and do not answer directly. Block the number through your phone carrier or call blocking apps to prevent further calls. If you need to communicate with the collector, send a cease and desist letter requesting no further contact. Keep records of all calls and any violations of the Fair Debt Collection Practices Act (FDCPA).

If you believe the debt is valid, consult a non-profit credit counselor or attorney to discuss your options for repayment or negotiation. Monitor voicemail messages from identified collectors and be cautious of any threats or harassment. By following these steps, you can effectively manage calls from 954-780-8872 and protect yourself from potential financial risks.

Is 954-780-8872 Violating Fair Debt Collection Practices Act? What Are My Rights As A Consumer?

The phone number 954-780-8872 is associated with Portfolio Recovery Service, a debt collection agency. If you receive calls from this number, document the details to determine if they are violating the Fair Debt Collection Practices Act (FDCPA). Under the FDCPA, you have rights to protect you from harassment during debt collection calls.

If you believe your rights are being violated, you can revoke consent for calls outside normal hours and send a cease and desist letter. If harassment continues, report the violations to the Consumer Financial Protection Bureau, consult with a consumer protection attorney, or contact your state Attorney General’s office for assistance.

Validate the debt, negotiate a settlement or payment plan, and seek advice from a credit counselor or attorney for legal guidance. If debt collectors take legal action against you, maintain detailed records of communications to protect your rights and have evidence of any violations.

If 954-780-8872 Is A Debt Collector, How Do I Validate This Debt And What Are My Options?

If you receive a call from 954-780-8872 and the caller claims to be a debt collector, it’s essential to validate the debt and explore your options. Start by asking for written validation from the collector, and review the details to ensure accuracy. Dispute any inaccuracies and request removal from your credit report.

Consider negotiating a settlement or payment plan, exercising your rights under the Fair Debt Collection Practices Act (FDCPA), seeking advice from a credit counselor, or consulting an attorney. Keep records of all correspondence and calls, and be mindful of your rights and responsibilities when dealing with debt collectors.

Can 954-780-8872 Sue Me Or Garnish My Wages If They'Re A Debt Collector? Should I Just Settle?

If you’re wondering if 954-780-8872 can sue you or garnish your wages, the answer is that it depends on whether the caller is a debt collector and if you owe a legitimate debt. If it’s a debt collector, you can negotiate an affordable payment plan, assert your inability to pay, seek credit counseling, hire a consumer law attorney, or consider bankruptcy. It’s essential to keep records of your efforts and communications with the collector. If you choose to settle, make sure the payment plan is affordable, get the agreement in writing, and be aware of the potential consequences of not meeting your obligations.

If 954-780-8872 Is A Collection Company, How Can I Remove It From My Credit Report?

First, confirm that the call is from a legitimate debt collection company by requesting written confirmation. If there are discrepancies in the debt, dispute it. To potentially remove the debt from your credit report, try negotiating a pay-for-delete agreement, offering a partial settlement, or hiring a credit repair service. Alternatively, wait for the time limit (usually seven years) to pass, or file a complaint with the Consumer Financial Protection Bureau or your state’s attorney general’s office. If necessary, consult an attorney and keep detailed records of all communications with the collection agency.

What Feedback And Comments Do People Leave About 954-780-8872?

People often leave feedback and comments about 954-780-8872, reporting it as an unwanted call from a debt collector called Portfolio Recovery Service. The calls seem to target individuals with the same first and last name, attempting to collect a debt purchased from another party. The calls originate from Coral Springs, Florida, and are labeled as “robocaller warnings” on tracking websites.

To address these calls, you can let them go to voicemail, block the number using call blocking services, or send a cease and desist letter. Remember to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA), which protects you from harassment. If you think your rights have been violated, document the call details and report the violation.

To assess the collector’s intentions, you can ask them to validate the debt and discuss a settlement or payment plan. It’s recommended to consult a credit counselor or attorney for legal advice regarding your situation. If the collector decides to sue, your wages or bank accounts may be garnished. In such cases, negotiating affordable payment plans can help you avoid legal action.

Maintain detailed records of all communications with the collector and stay calm and assertive during the calls. By taking these steps, you can protect yourself from harassment and work towards resolving the debt issue.