Who Is 3128158373 (+ How Are They Hurting My Credit Score)

The phone number 312-815-8373 is linked to a company called Portfolio Recovery Associates, a debt collection agency. However, it might also be a scam.

Here’s what we advise you to do:

- Do not engage with the caller. It's best to avoid direct communication whether they are legitimate or not.
- You should never pay any debt immediately, especially if you're unsure about the details.
- Check your credit report to see if Portfolio Recovery Associates shows up as a collection or negative item.
- Look over your credit report for any inaccurate negative items that could be affecting your score. The Credit Pros can help with this process.
- If it’s a legitimate debt, The Credit Pros can assist you in verifying and disputing any inaccuracies.

To sum up – avoid direct communication, verify any debt through your credit report, and seek help from The Credit Pros if needed. This careful approach protects your financial health.

To stop 3128158373 from harassing you and report them, follow these steps:

First, document every unwanted call. Keep a detailed log of dates, times, and what was said. This information will be critical for reporting.

Next, register your phone number at DoNotCall.gov. If calls persist after 31 days, file a complaint on the same site.

You should block the number using your phone's built-in feature or by contacting your mobile carrier. Specific apps can also help:
• For Android: Use 'Call Blocker - Stop spam calls'.
• For Apple: Use 'Robokiller: Spam Call Blocker'.

For further action, file a complaint with the Federal Communications Commission (FCC) at fcc.gov/complaints and with the Federal Trade Commission (FTC) at ReportFraud.ftc.gov.

If the harassment includes threats, contact your local police. You may need to record calls and save messages as evidence.

Finally, consider legal actions such as a restraining order or a cease and desist letter. You can find templates at eforms.com/cease-and-desist. Consult a harassment lawyer for personalized advice if needed.

To wrap things up: document everything, block the number, report to FCC and FTC, and consider legal actions if necessary. Taking these steps can help you effectively handle and report harassment from 3128158373.

You should block the number 3128158373. Blocking this number is a practical step to avoid unwanted calls, especially if it's from Portfolio Recovery Associates, who are known for debt collection. Blocking stops their calls completely, providing you with peace of mind.

Ignoring the number means you might still receive calls, which can be intrusive. Blocking, on the other hand, completely stops the disturbance.

Here’s what we advise you to do:

- Block the number to ensure they can’t contact you.
- Work with a reputable credit repair company to remove any inaccurate negative items on your credit report.
- Understand that blocking or ignoring them won't harm your credit score further.

Taking these steps helps you manage the situation effectively and reduces stress.

In the end, you should block the calls, seek professional credit repair assistance, and move forward with more control over your financial health.

Yes, a debt collector like one at 3128158373 can sue you, but it's unlikely. Suing is typically their last resort. They usually try calling and sending letters first.

They might sue if:

• You owe over $5,000.
• They can prove you owe the debt and have the legal right to sue.
• It's within the statute of limitations in your state.

Suing is expensive and time-consuming. They prefer to settle out of court. If they do sue, you'll get a court summons and complaint. You must respond to avoid a default judgment, which could lead to wage garnishment or bank account levies.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). If you're sued, consider consulting an attorney to understand your options.

As a final point, understand that while a debt collector like 3128158373 can sue you, it's rare and often preventable if you know your rights and respond properly.

3128158373 might have your personal information, but you should not engage with them. You shouldn't provide any information or pick up their calls. This debt collector can't change what you need to do.

Instead, you should get your 3-bureau credit report and start creating a plan to improve your credit. Working with a reputable credit repair company is your best move because they can help fix inaccuracies and handle disputes on your credit report. These professionals know the ins and outs and will save you time and stress.

If you do answer, simply block the number to avoid further contact.

Bringing it all together - avoid engaging with 3128158373 and focus on improving your credit report with professional help to save time and stress.

Debt collected by 3128158373 includes various types of consumer debt. You might deal with credit card debt, medical bills, personal loans, auto loans, or even household utility debts like unpaid phone or electricity bills. If you fall behind on any of these payments, they might contact you through calls, letters, or other notifications.

They usually acquire debt from various creditors, including banks and service providers, to recover the owed amounts. However, you should always verify any debt claim before making any payments to avoid scams or mistakes.

Remember, you have rights when dealing with debt collectors. They must provide clear details about the debt and follow specific rules to avoid any deceptive or abusive practices.

All things considered, by understanding the types of debt collected by 3128158373, verifying claims, and knowing your rights, you can handle these situations more effectively and avoid unnecessary stress.

To check if you owe money to 312-815-8373, follow these steps:

First, review your personal records. Look through your bills, account statements, and any equipment return receipts to verify if there are any unpaid balances.

Next, check your credit report. Pull it up to see if there are any debts listed that are related to this phone number.

Then, request debt validation if a debt appears on your report. You should ask the collection agency for proof. They are legally required to provide documentation of the debt.

Verify any calls or emails from Portfolio Recovery Associates. Ensure their authenticity by cross-checking with your credit report or by directly contacting the agency through verified channels.

If you face harassment over disputed debts, it's a good idea to consult a consumer protection lawyer. They can help you navigate through the legalities.

Lastly, be cautious. Avoid direct contact with the caller as it might restart the statute of limitations on old debts. This keeps you protected while managing your debts effectively.

Debt collection laws protect you from unwanted calls, like those from 3128158373. Key regulations include the Fair Debt Collection Practices Act (FDCPA) and state-specific laws.

FDCPA Protections:
- Prohibited Conduct:
- They can’t contact you before 8 AM or after 9 PM.
- They can't call you at work if your employer disallows it.
- They must avoid abusive, obscene, or profane language.
- They can’t make threats of violence or criminal actions.
- They can’t harass you with repeated or continuous calls.
- They can't falsely pretend to be attorneys or government officials.
- They can’t reveal your debt to third parties without your permission.
- They must not demand more money than legally allowed.

- Required Disclosures:
- They must send you a validation notice with your debt details.
- They must verify the debt if you dispute it within 30 days.
- They have to state that the communication is an attempt to collect a debt.

Your Rights:
- Stop Communication:
- You can ask them to stop contacting you in writing.
- Attorney Representation:
- If you have a lawyer, they must only contact your attorney.
- Legal Actions:
- You can sue for FDCPA violations within one year for damages.
- Report Violations:
- Report to the FTC, CFPB, or your state Attorney General.

State Protections:
- State laws can provide additional protections. For example, New York has strict licensing for debt collectors.

If you experience unfair practices from 3128158373, these laws are there to protect you. You can reach out to us at The Credit Pros for help managing your debt and navigating these protections.

Finally, it's crucial that you understand and use your rights under these laws to stop harassment and protect yourself.

Yes, Portfolio Recovery Associates (3128158373) have been involved in multiple lawsuits and official complaints regarding their debt collection practices. Here's what you should know:

Lawsuits:
- 2015 CFPB Order: The Consumer Financial Protection Bureau (CFPB) found Portfolio Recovery Associates engaging in illegal collection practices, resulting in a $27 million restitution order.
- 2023 CFPB Complaint: Filed on March 23, 2023, the CFPB accused Portfolio Recovery Associates of violating the 2015 order, the Fair Debt Collection Practices Act (FDCPA), the Consumer Financial Protection Act (CFPA), and the Fair Credit Reporting Act (FCRA). The court ordered the company to pay over $24 million in restitution and penalties.
- Multiple Individual Lawsuits: Various individual cases where Portfolio Recovery Associates filed lawsuits against consumers, but they were dismissed with no money paid to the company. Examples include:
- Case 900,413 (Harris County Court at Law No. 1)
- Case JC1100809G (Dallas County Justice Court 4-1)
- Case 02-JC-11-00259 (Collin County Justice Court 2-1)
- Case 62710 (Travis County Justice Court 1-1)
- Case 986,262 (Harris County Court #2)

Official Complaints:
- CFPB Complaints: The CFPB reported Portfolio Recovery Associates for:
- Making unsubstantiated debt claims without proper documentation.
- Failing to investigate consumer disputes.
- Misrepresenting documentation timelines to consumers.
- Collecting on time-barred debts without proper disclosures.
- Initiating debt collection lawsuits without necessary documentation.

You should be aware of these issues if you are dealing with Portfolio Recovery Associates.

In closing, Portfolio Recovery Associates have faced significant legal action and numerous complaints due to their debt collection methods. It is essential that you stay informed and cautious if you encounter them.

Here's what people online say about the phone number 3128158373:

Reddit users often mention that 3128158373 is linked to a debt collector from Portfolio Recovery Associates. User BigBen444 expressed frustration, saying the calls are super annoying. JSmith89 reported receiving multiple calls with voicemails about owed money. TechGuru88 speculated that it's a scam, since they were accused of having a debt they never took on.

You might find these calls persistent and bothersome. Many online suggest blocking the number. Using call-blocking services like Nomorobo could help you reduce such interruptions.

Overall, people online believe 3128158373 is a debt collector, often viewed as annoying or potentially a scam, and blocking the number is widely recommended.

Yes, you should consider removing 3128158373 from your credit report if you have confirmed it's there and identified it as potentially inaccurate.

Instead of hiring typical credit repair companies with poor reputations, you should handle the dispute yourself or seek help from a reputable company like The Credit Pros. Disputing it yourself can take a lot of time and energy.

As a final point, it's crucial that you address any inaccuracies. Reach out to The Credit Pros for a trustworthy resolution.

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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