Who is 2102804095 and why are they calling me?

The phone number 210-280-4095 is associated with Portfolio Recovery Associates, a known debt collection company. When you receive a call from this number, it's crucial that you take steps to protect yourself.

First, don't engage directly with the caller. You should avoid speaking, calling back, or any form of contact.

Next, remember that you are not obligated to pay immediately. Make sure you verify the debt’s validity by requesting a debt validation letter.

You should also check your credit report for any discrepancies or unfamiliar debts. You can get a free credit report from AnnualCreditReport.com.

Contact your original creditor to confirm if they have assigned the debt to Portfolio Recovery Associates.

If you suspect a scam, report the incident to the Federal Trade Commission (FTC) and your state attorney general's office.

If you need assistance, call us, and we'll provide a free, thorough 3-bureau credit report analysis for you.

If 2102804095 is harassing you, here's how you can report them and stop the calls:

1. Document the Calls: Keep a log of every call. Note the date, time, and any details about the conversation or threats.
2. Do Not Call Registry: Register your number at DoNotCall.gov. This takes only a couple of minutes.
3. Block the Number: Use your phone's call-blocking feature or an app like “Robokiller” (Apple) or “Call Blocker” (Android). You can also contact your service provider for additional options.
4. File Complaints:
- FCC: Report unwanted calls through fcc.gov/complaints using the "phone form."
- FTC: If these are telemarketing calls or if they ignore your Do Not Call registration, report at donotcall.gov.
- CFPB: Submit a complaint about debt collection at consumerfinance.gov/complaint. You can also call them at (855) 411-2372.
5. Escalate if Needed:
- Cease and Desist: Send a cease and desist letter using the template from eforms.com.
- Lawyer: Consider hiring a harassment lawyer if calls persist, as harassment is against both Federal and State laws.
- Local Law Enforcement: For continued or escalating harassment, provide your documented evidence to local law enforcement.

By following these steps, you can protect yourself and report the harassment, ensuring action is taken against the offending party.

You should block or ignore the number 2102804095 if you suspect it's a debt collector and they are harassing you. Here’s why blocking might be the best step:

- No Immediate Consequence: Blocking or ignoring won't affect your credit score. If the debt is already on your credit report, blocking them can't make it worse.
- Reduce Stress: Blocking the number helps you avoid constant calls, reducing your stress and annoyance.
- Legal Protection: If Portfolio Recovery Associates is calling you, ongoing harassment might be a violation of your rights.

However, it is crucial that you address any inaccuracies on your credit report. Working with a reputable credit repair company like The Credit Pros can help you remove any inaccurate negative items from your report. Blocking the calls gives you space to work on fixing or disputing the debt without constant interruptions.

Take these steps:
1. Block the Number: Use your phone settings to block unwanted calls.
2. Contact The Credit Pros: We can help you evaluate and dispute any inaccuracies on your credit report.

By taking these actions, you manage your stress levels while proactively addressing your financial situation.

Yes, a debt collector like 2102804095 can sue you, but it’s unlikely. Collectors often pursue legal action as a last resort, particularly for debts over $5,000. They must prove you owe the debt, the amount is correct, and they have the right to sue you. This can be challenging, especially if the debt has changed hands multiple times.

Suing is expensive and time-consuming, so collectors usually prefer calling or sending letters. Additionally, the statute of limitations could prevent them from suing if the debt is old.

If you do get sued, you will receive a court summons and complaint. It is crucial that you respond to avoid a default judgment, which can lead to wage garnishment or bank account levies, though such outcomes are rare.

Remember, the Fair Debt Collection Practices Act (FDCPA) protects you from abusive practices. If you receive a lawsuit, consider consulting an attorney to explore your options and defenses.

Receiving calls from 2102804095 Might Have Your Personal Information, so you need to be cautious. It's crucial that you don't provide any personal details to debt collectors contacting you through this number. To avoid any potential risks, we advise you not to answer the call at all.

Here is what we recommend you do:

- Don't provide information: Never share or verify your personal details with callers from numbers like 2102804095.
- Avoid picking up: Don't even pick up the call. Debt collectors can be persistent and use different tactics to get your information.
- Get your credit report: Focus on obtaining your 3-bureau credit report. This allows you to see the full picture of your credit status.
- Build a credit plan: Start building a comprehensive plan to improve your credit. Address any issues you find on your report proactively.
- Work with a reputable credit repair company: We recommend partnering with a reputable credit repair company. They can help you navigate disputes and inaccuracies on your credit report, ensuring a more professional and effective handling of your credit repair process.

Bringing it all together-you should avoid sharing any personal information with callers from 2102804095, steer clear of answering these calls, obtain your comprehensive credit report, build a tailored credit improvement plan, and consider working with a professional credit repair company to safeguard your information and enhance your credit health.

Debt collectors, like those using the number 2102804095, often handle various types of debt. Here are some common types they might collect:

- Credit Card Debt: If you fall behind on your credit card payments, your original creditor might sell the debt to a collector.
- Auto Loans: Missing several payments on your car loan often results in debt being transferred to a collector.
- Personal Loans: This includes loans from banks, credit unions, or other financial institutions that you haven't paid.
- Medical Bills: Unpaid hospital or doctor’s bills are frequently collected by third parties.
- Utility Bills: Overdue payments for services like electricity, water, and gas can also be collected.

Many creditors sell debts to collection agencies when they can’t collect payments themselves. When you’re contacted by a debt collector, they should provide details about the amount owed and the original creditor's name. Always verify the debt before making any payments to ensure its legitimacy.

To check if you owe money to 2102804095, follow these steps:

1. Review Your Records: Go through any old bills, account statements, or receipts related to the debt. This can help you confirm if you owe anything.
2. Request Debt Validation: Write to the collections agency and ask them to validate the debt. They must provide details like who the creditor is and how much you owe.
3. Check Your Credit Report: Look at your credit report to see if the debt appears. This can give you a clear picture of any outstanding debts.
4. Be Aware of Scams: If someone contacts you claiming you owe money, verify their identity first. Ask for their name, company, address, and a callback number. Real debt collectors will have this information ready.
5. Consult a Lawyer if Necessary: If you face harassment or feel the debt is not valid, consider talking to a consumer protection lawyer.

Remember, it's crucial that you don't engage with the debt collector directly until you have all the necessary information to avoid issues restarting the statute of limitations on old debts. Gathering this documentation helps ensure you're proactive and protected against any inaccurate collection efforts.

Debt collection laws like the Fair Debt Collection Practices Act (FDCPA) protect you from unfair practices by companies like Portfolio Recovery Associates. The FDCPA stops debt collectors from using abusive, deceptive, or unfair tactics.

Here are a few key things you should know:

- Prohibited Conduct: Collectors can’t contact you before 8 AM or after 9 PM, harass you with frequent calls, or use abusive language.
- Workplace Restrictions: They can't call you at work if your employer prohibits it.
- False Representation: They can't pretend to be lawyers or government officials to scare you into paying.

Collectors must also provide you with a written notice detailing the debt, including the amount owed and how to dispute it. If you dispute the debt within 30 days, they must verify it before contacting you again.

You have the right to demand that they stop contacting you, except for certain exceptions. You can sue them for FDCPA violations to recover damages and attorney fees. If you face any violations, report them to the FTC or CFPB for enforcement.

Understanding these protections helps you deal confidently with debt collectors like Portfolio Recovery Associates. If needed, seek further assistance from organizations like The Credit Pros for support.

Yes, Portfolio Recovery Associates (PRA) has numerous lawsuits and complaints against them.

Lawsuits:
1. CFPB v. Portfolio Recovery Associates (2023): The Consumer Financial Protection Bureau (CFPB) charged PRA with violating a 2015 order, including deceptive conduct and initiating debt collection lawsuits without proper documentation.
2. Green v. Portfolio Recovery Associates (2024): The Virginia Court of Appeals found PRA failed to prove it owned the debt in question.
3. Tejero v. Portfolio Recovery Associates (2020): PRA was sued under the Fair Debt Collection Practices Act (FDCPA) for failing to communicate that a disputed debt was indeed disputed.
4. Lutz v. Portfolio Recovery Associates (2022): A class action suit alleged PRA made false statements about debt and attempted to collect a debt not permitted by law.

Complaints:
- CFPB Complaints: PRA was ordered to pay over $24 million for illegal debt collection practices, including collecting on unsubstantiated debt and suing for time-barred debt.
- Better Business Bureau (BBB): PRA received nearly 1,500 complaints related to aggressive and illegal debt collection tactics over the last three years.

This information should help you understand the legal challenges PRA has faced. If you have any specific concerns about PRA, consider consulting with a legal professional.

People online have a lot to say about calls from 2102804095.

Reddit user u/bizzaro_sam described them as “constant harassment," and u/thriftyjane_19 said, “I’ve blocked this number multiple times, but they keep calling." On WhoCallsMe, someone shared, “These scam artists blow my phone up constantly. I block one number and they call using other numbers."

You will also find similar complaints on Robokiller, where user ‘SCAM!’ noted, “Portfolio Recovery - another phone number for them..." Many reviews emphasize, "These people have hundreds of phone numbers!" Clearly, dealing with these calls is a common issue that causes significant annoyance.

If you want to take action, you can:
- Block the number on your phone.
- Report the number to your service provider.
- Use apps like Robokiller to manage and block unwanted calls.

Remember, you're not alone in dealing with this; many people share your frustration.

Yes, you really need to remove 2102804095 from your credit report if it's inaccurate. Getting rid of this mistake can improve your credit score significantly.

First, you should confirm inaccuracies by regularly checking your credit report. If you find 2102804095 listed and it's incorrect, contact the credit bureaus to dispute this item. This process can take up to 30 days for the credit bureau to investigate and respond.

Handling these disputes on your own can be time-consuming and frustrating. Instead, we recommend reaching out to a reputable company like 'The Credit Pros' to manage the dispute for you.

Here’s why this is beneficial:
- Professional help can simplify the process.
- They increase your chances of successfully removing incorrect items.
- You save time and avoid unnecessary hassle.

Be wary of unreliable credit repair services. A trustworthy company can make a significant difference in correcting your credit report efficiently.

Every number you see below is separate number that ‘Collection’ uses to attempt to collect a potentially inaccurate debt on your credit report and/or spam you.

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