Who Is 4044101117 (+ How Are They Hurting My Credit Score)

Updated: June 19, 2024
Call Type: Debt Collector
Spam Risk: Very High
Fact Checked

Phone number 4044101117 is likely a debt collector called:' Portfolio Recovery Associates'.
Your credit score likely dropped because this is potentially a debt collection on your report.
Call (888) 488-5855 and learn how we can help you potentially improve your score.

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Main phone number related with this page is: 8664300311

The phone number 4044101117 likely belongs to a debt collection agency, probably Portfolio Recovery Associates. They might be trying to collect a debt, or it could be a spam or scam call. Engaging with them could negatively impact your credit score.

If it's a debt collector, they bought an outstanding debt of yours and are trying to collect. Ignoring or blocking these calls might stop the immediate harassment but won't solve the underlying issue. You need to address it properly to prevent potential legal actions and further credit score damage.

Call The Credit Pros using the number above. We'll review your entire 3-bureau credit report to see if this is a debt collector and identify any other negative items. We've helped many people remove potentially inaccurate items, which often results in a credit score boost and an improved financial situation. Don't let these calls continue to disrupt your life; take action now.

Who Is 4044101117: Scam Or Legitimate

The number 4044101117 is linked to a debt collection agency, possibly Portfolio Recovery Associates. While it might be legitimate, it could also be a scam. It's crucial that you don’t engage or share any personal information.

Instead, take these steps:

• Block the number to stop further calls.
• Review your credit report for inaccurate entries.
• Contact The Credit Pros for a free 3-bureau credit report evaluation and help with disputing discrepancies.

To sum up, block the number, check your credit report, and get professional help to ensure your financial peace of mind.

How Do I Stop 4044101117 From Harassing Me (How To Report Them)

If you're asking, 'How do I stop 4044101117 from harassing me (how to report them),' here’s what you can do:

First, document every call. Note the date, time, and what was said. This will provide evidence if you need it later.

Next, do not engage. Avoid answering or returning calls from this number. If it’s a debt collector like Portfolio Recovery Associates, steer clear of direct communication.

You should block the number.
• Register your number on the Do Not Call Registry.
• Use your phone’s call-blocking feature.
• Consider apps like ‘Call Blocker - Stop spam calls’ for Android or ‘Robokiller: Spam Call Blocker’ for Apple.

Report to authorities:
• File a complaint with the FCC at fcc.gov/complaints by selecting 'unwanted calls.'
• Report telemarketing or illegal calls to the FTC at ReportFraud.ftc.gov.
• Submit a complaint to the CFPB at consumerfinance.gov/complaint or call (855) 411-2372.

Contact your phone carrier to learn about their specific tools for blocking harassing calls.

For legal steps, consider getting a restraining order if calls are threatening, sending a cease and desist letter using templates from eforms.com/cease-and-desist, or consulting a harassment lawyer for persistent issues.

To wrap things up - make sure you document every call, block the number, report to the appropriate authorities, and contact your phone carrier. If necessary, take legal steps to protect yourself from ongoing harassment.

Stop the harassment today. Reach out to us for expert help. Call (888) 488-5855

Should I Block Or Ignore 4044101117

You should block 4044101117. If this number is linked to a debt collector like Portfolio Recovery Associates, blocking is a proactive step to avoid harassment. Blocking won’t impact your credit score, and it prevents further calls. Ignoring might work, but blocking ensures they won't bother you again.

If they're indeed debt collectors, blocking them and seeking help from a reputable credit repair company is a smart move. You’ll manage any inaccuracies or disputes on your credit report with less stress. Your credit score won’t drop just because you block or ignore these calls-the damage from the collection is already accounted for.

Here’s a clear plan for you:

• Block the number to stop harassment.
• Work with a reputable credit repair company for disputes.
• Don’t worry about your credit score dropping because of blocking.

In the end, blocking the number and getting professional help can simplify things for you.

Can A Debt Collector Like 4044101117 Sue Me

Yes, a debt collector like 4044101117 can sue you for unpaid debt, although it's not very likely.

Debt collectors usually consider suing as a last resort. They prefer to try collection methods like calls and letters first. Lawsuits are expensive and time-consuming, so they often avoid them to save money.

To sue you, they need to prove you owe the debt, the amount is correct, and they have the right to sue. This can be challenging, especially if the debt has been sold multiple times. Also, each state has a statute of limitations for suing over debt. If your debt is old, it's less likely they'll take legal action.

If they do choose to sue, you'll receive court papers. You must respond to avoid a default judgment, which could lead to wage garnishment.

As a final point, remember that you have rights under the Fair Debt Collection Practices Act. If sued, consider consulting an attorney to protect your interests effectively.

Worried about legal action? Call now to understand your rights. Call (888) 488-5855

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

4044101117 Might Have Your Personal Information

If you're getting calls from 4044101117, it might have your personal information and is likely a debt collector, specifically Portfolio Recovery Associates. Here's what we advise you to do:

1. Don't Provide Personal Information: You should never share personal details over the phone with these callers.

2. Avoid Picking Up the Call: Let the call go to voicemail to avoid giving them reasons to keep calling.

3. Check Your Credit Reports: Get your credit reports from Experian, TransUnion, and Equifax to understand your financial status and spot any discrepancies.

4. Plan to Improve Your Credit: You need a strategy to enhance your credit score, which can include paying off debts, disputing errors, and better managing your finances.

5. Consider a Credit Repair Company: A reputable credit repair service can help you navigate disputes, remove inaccuracies, and offer expert credit improvement advice.

6. Block Their Number: Reduce the stress by blocking these calls for fewer interruptions.

Bringing it all together - follow these steps to keep your personal information safe and improve your financial health.

Protect your personal information. Speak with our experts today. Call (888) 488-5855

Types Of Debt Collected By 4044101117

You might wonder about the types of debts collected by 4044101117. They usually handle common debts including credit cards, personal loans, medical bills, and utility bills. They purchase these debts from various creditors to seek repayment from you.

• Credit card debts
• Personal loans
• Medical bills
• Utility bills

We know dealing with debt can be stressful, but understanding the types of debts they collect might help you manage it better.

All things considered, knowing that 4044101117 collects debts like credit cards, personal loans, medical bills, and utility bills can make the process less daunting. We're here to support you every step of the way.

How Do I Check If I Owe Money To 4044101117

To check if you owe money to 4044101117, start by reviewing your credit reports. You can get a free copy from annualcreditreport.com. Look for any debts or collection accounts tied to this number.

Next, gather your records. Check past bills, account statements, and letters from debt collectors for any references to 4044101117.

If you find a debt related to this number, send a written request to the debt collector asking for validation. This will confirm whether the debt is legitimate.

Avoid calling the number directly, as it might restart the statute of limitations on old debts.

Consider consulting a consumer protection lawyer if you encounter harassment or disputed debts. They can provide legal advice tailored to your situation.

Lastly, online debt advice tools can guide you on managing your debts and what you can afford. Being proactive and thorough will help you determine if you owe money to 4044101117 and handle the situation effectively.

Need to verify your debts? Contact us for a thorough check. Call (888) 488-5855

Which Debt Collection Laws And Regulations Protect Me From 4044101117

You have several laws protecting you from aggressive debt collection practices, especially from numbers like 4044101117. The main law is the Fair Debt Collection Practices Act (FDCPA), which stops third-party debt collectors from using abusive, deceptive, or unfair methods. It applies to personal debts like credit cards, auto loans, medical bills, and mortgages.

Under the FDCPA, debt collectors cannot:
• Contact you before 8 AM or after 9 PM.
• Call you at work if your employer forbids it.
• Use obscene or abusive language.
• Threaten violence or legal action.
• Call repeatedly to harass you.
• Pretend to be lawyers or government agents.
• Tell others about your debt.
• Ask for more money than you owe.

Debt collectors must also provide a validation notice with the debt amount, creditor’s name, and your rights to dispute. If you dispute the debt in writing within 30 days, they must stop collecting until they verify it.

You can stop them from contacting you by sending a written request. If they violate these rules, you can sue them within one year for damages and attorney fees.

State laws might offer extra protections, and you can report violations to the Federal Trade Commission (FTC), the Consumer Financial Protection Bureau (CFPB), or your state attorney general.

Finally, these rules arm you with tools to handle debt collectors like 4044101117 by knowing your rights and taking appropriate steps.

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

Does 4044101117/Portfolio Recovery Associates Have Any Lawsuits Against Them

Yes, Portfolio Recovery Associates (PRA) has faced several lawsuits over their debt collection practices. PRA has been under scrutiny for misleading and deceptive practices, leading to significant legal actions against them.

In 2015, the Consumer Financial Protection Bureau (CFPB) ordered PRA to pay over $27 million in restitution due to unsubstantiated debt collections and other illegal practices. Despite this, the CFPB filed another complaint in 2023, resulting in PRA being ordered to pay over $24 million for continuing similar violations.

You might also find numerous complaints against PRA from consumers and regulatory bodies:
- Many consumers report PRA for using false or misleading information.
- The Better Business Bureau (BBB) has multiple complaints about their unethical collection practices.
- The CFPB has received numerous complaints regarding PRA's failure to investigate and resolve credit reporting disputes.

In closing, PRA's ongoing legal issues highlight their repeated violations of debt collection laws. You should stay informed and protect your rights when dealing with debt collectors like PRA.

What Do People Online Say About 4044101117

People online frequently discuss the phone number 4044101117 on various forums and comment sections. Here are some specific quotes:

- User: Unknown, 'Scam' (November 20, 2023) - Source: Robokiller
- User: Portfolio, 'Portfolio Recovery Associates' (January 17, 2019) - Source: Robokiller

Most online opinions describe calls from this number as scams or unwanted communications linked to Portfolio Recovery Associates.

If you’re receiving calls from this number, you should avoid engaging with the caller. Consider using a call-blocking app to filter these calls.

Overall, it's vital that you block calls from 4044101117 to avoid potential scams and unwanted interactions.

Do I Really Need To Remove 4044101117 From My Credit Report

Yes, you really need to remove 4044101117 from your credit report if it is potentially inaccurate. Here's why and how you can do it:

First, confirm it's an error. Double-check your credit reports from all three major credit agencies-Experian, Equifax, and TransUnion. You should carefully review your records for any discrepancies.

Avoid typical credit repair companies. Many are poorly rated, scummy, and deceptive. They often fail to maximize your chances of removing potentially inaccurate negative items effectively.

DIY disputes are time-consuming. If you dispute it on your own, you need to contact the credit agencies, provide supporting documentation, and follow up persistently. This process will take a lot of your time and energy.

Consider reputable help. Instead of disputing the error yourself, you can save time by reaching out to a reputable credit repair company, like The Credit Pros. They can help you navigate the process and increase your chances of success.

As a final point, removing a potentially inaccurate collection account like 4044101117 can significantly impact your credit score, so you should take steps to address it promptly.

Wondering if you should remove this number from your report? Speak with us to find out. Call (888) 488-5855

Here are other formats 4044101117 can be written

- +1 404-410-1117
- +1 (404) 410-1117
- +1 404 410 1117
- (404) 410-1117
- 404-410-1117
- 404.410.1117
- 404 410 1117
- +14044101117
- (404) 410-1117
- 404.410.1117
- 4044101117

Professionals can help you with your score

Let Professionals help you find and dispute potentially inaccurate negative items hurting your score

Call (888) 488-5855

List of every other phone number that Portfolio Recovery Associates uses:

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.