Home / Who Is 5099284611 (+ How Are They Hurting My Credit Score)

Who Is 5099284611 (+ How Are They Hurting My Credit Score)

  • Phone number 5099284611 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 1(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

That number, 5099284611, might be a debt collector or spam call affecting your credit score. It could be Valley Empire Collection or even Portfolio Recovery Associates. Ignoring or blocking the number might stop the calls temporarily but doesn’t fix the underlying issue of a potential outstanding debt.

Debt collectors usually buy your debt and then pursue you to recover it. Ignoring them might seem like an easy fix, but it won’t help your credit score or financial situation. Dodging their calls is only a temporary solution.

Here’s what you should do: Call The Credit Pros. We’ll chat and review your three-bureau credit report in a simple, no-pressure setting. You might discover more negative items besides that one call. We’ve helped many people remove inaccurate items, improve their credit scores, and stop those annoying calls. Don’t let these collectors disrupt your peace of mind-let’s tackle this together.

Who Is 5099284611: Scam Or Legitimate

The number 509-928-4611 is tied to Valley Empire Collection, a legitimate debt collection agency in Spokane Valley, WA. However, scammers might spoof legitimate numbers. It's crucial that you stay cautious.

Here’s what we advise you to do:

1. Pull Your Credit Report: Check for any negative items or collections from Portfolio Recovery Associates or Valley Empire Collection.
2. Verify the Debt: Make sure the debt is yours and verify the details.
3. Seek Professional Advice: Contact us for a free 3-bureau credit report evaluation. We can help you identify inaccuracies and dispute any negative items.

To sum up, if you receive a call from 509-928-4611, pull your credit report, verify the debt, and seek professional guidance to protect your finances.

How Do I Stop 5099284611 From Harassing Me (How To Report Them)

To stop 5099284611 from harassing you and report them, follow these steps:

First, document all unwanted interactions. Keep a detailed log of the harassing calls, including dates, times, and any abusive language.

Next, register your number at DoNotCall.gov. Use your phone’s call-blocking feature or contact your service provider to block the number.

For escalating measures:
- Restraining Order: If calls persist or threats escalate, consider a restraining order to legally prevent the caller from contacting you.
- Harassment Lawyer: Hiring a harassment lawyer can provide legal advice and might help you win compensation.
- Cease and Desist Letter: Send a cease and desist letter using a template from eforms.com.

You can also use call-blocking apps:
- Android: Try 'Call Blocker - Stop spam calls'.
- Apple: Use 'Robokiller: Spam Call Blocker'.

File a complaint with the Federal Communications Commission (FCC) if it was an illegal robocall or if your number is being spoofed. Visit fcc.gov/complaints and specify 'unwanted calls' with details of the call.

Report telemarketing calls or violations of the Do Not Call Registry to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov or DoNotCall.gov.

Additionally, gather information and submit a complaint with the Consumer Financial Protection Bureau (CFPB) by visiting consumerfinance.gov/complaint, calling (855) 411-2372, or sending a detailed letter to CFPB, 1700 G Street, NW, Washington, DC 20552.

If you use Nomorobo, report unwanted robocalls directly through their platform. Contact your phone carrier about call-blocking tools and options. Check for additional resources or complaint mechanisms through your local or state consumer protection offices.

To wrap things up – make sure you document unwanted interactions, register your number on the Do Not Call list, block the number, and use available apps to stop the harassment. Reporting to the FCC, FTC, and CFPB can provide further protection and resolution.

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

Should I Block Or Ignore 5099284611

You should block 5099284611. Blocking this number is a smart move, especially if it’s from a debt collector who might be harassing you. Ignoring or blocking these calls can help prevent unnecessary stress and disruptions in your day.

Here’s what we advise you to do:

• Block the number immediately to stop the harassment.
• Contact a reputable credit repair company for assistance.
• Don't worry-blocking the number won’t impact your credit score further.

If the debt already appears on your credit report, it can't harm your score any further. However, it’s crucial that you address any inaccuracies on your credit report by working with professionals.

In the end, blocking 5099284611 is a proactive step to reduce stress. Seek help from a credit repair company and rest assured that your credit score won't be affected by this action.

Can A Debt Collector Like 5099284611 Sue Me

Yes, a debt collector like 5099284611 can potentially sue you, but it's quite rare. They usually prefer calls and letters to collect the debt.

Debt collectors weigh the cost and effort of a lawsuit. Suing can be expensive and time-consuming, so they typically only sue if the debt is over $5,000. They also need to prove you owe the debt, the amount is correct, and they have the right to sue, which can be tough.

Each state has a statute of limitations on debt, meaning old debts might not be eligible for lawsuits. If you receive a court summons and complaint, it's crucial you respond within the deadline 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), which protects you from abusive practices by debt collectors. If you face a lawsuit, you should consult an attorney to explore your options and defenses.

As a final point – yes, a debt collector like 5099284611 can sue you, but it's rare. They prefer cheaper methods. If sued, respond in time and consider consulting an attorney.

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

5099284611 Might Have Your Personal Information

509-928-4611 might have your personal information. This number is associated with a debt collector. Here’s what you should do:

1. Don't provide any information to debt collectors. Engaging with them can lead to more stress and confusion.
2. Ideally, don't even answer these calls. They are persistent and might pressure you into financial commitments without proper verification.
3. Obtain your 3-bureau credit report. This gives you a comprehensive view of your credit situation and helps in identifying any discrepancies or improper charges.
4. Work with a reputable credit repair company like The Credit Pros. They can help you handle any inaccuracies or disputes on your credit report.

Bringing it all together – avoid engaging with debt collectors at 509-928-4611, check your credit reports, and let a trusted credit repair company like The Credit Pros handle any issues.

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

Types Of Debt Collected By 5099284611

Valley Empire Collection, reachable at 509-928-4611, collects various debts on behalf of businesses and private individuals. You might find they handle commercial debts from companies, personal loans, and unpaid service invoices. Additionally, they manage receivables, helping clients address overdue payments before starting formal collection actions.

• They work with businesses to collect commercial debts.
• Private individuals can rely on them for collecting personal loans.
• They also assist with managing and recovering unpaid service invoices.

All things considered, Valley Empire Collection covers a broad spectrum of debts, providing valuable services for both businesses and individuals in managing and collecting overdue payments.

How Do I Check If I Owe Money To 5099284611

To check if you owe money to 5099284611, first gather your records for any final bills, account statements, or equipment return receipts. It is important that you avoid direct contact to prevent restarting the statute of limitations on old debts.

Next, review your credit reports from all three major credit bureaus: Experian, TransUnion, and Equifax. You can request weekly free reports through AnnualCreditReport.com or by calling 877-322-8228. This ensures you catch any debts that might only appear on one report but not others.

If you see a debt listed on your credit report, request debt validation from the collection agency. Verify the debt to avoid scams and ensure you only pay what you owe. If contacted by Portfolio Recovery Associates, ask for detailed information about the debt they are referring to, then compare the details with your credit report and personal records.

If you face continuous harassment over disputed debts, consider consulting a consumer protection lawyer for advice.

Lastly, verify all communications and document everything before taking any action to ensure you accurately and safely manage any potential debts.

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

Which Debt Collection Laws And Regulations Protect Me From 5099284611

You are protected by several laws and regulations from unfair debt collection practices. The main federal law is the Fair Debt Collection Practices Act (FDCPA). It prohibits third-party debt collectors from using abusive, deceptive, or unfair practices when collecting personal, family, or household debts like credit card debt, auto loans, and medical bills.

Key protections under the FDCPA:
• Prohibited Conduct: Collectors can't call you before 8 AM or after 9 PM, or at work if your employer disallows it. They can't use obscene language, harass, threaten, or falsely present themselves as attorneys or government officials. They also can't disclose your debt to third parties or demand more than what you owe.
• Disclosure Requirements: Debt collectors must send you a written validation notice within five days of first contact. This notice will detail the amount you owe, the creditor's name, and your rights to dispute the debt. If you dispute the debt in writing within 30 days, they must verify it and stop collection efforts until they do.
• Consumer Rights: You can ask collectors to stop contacting you by sending a written request. If you have an attorney, they must communicate only with them. You can sue for violations and report misconduct to the FTC, CFPB, or your state attorney general.

State Laws:
Many states offer additional protections. For example, New York requires debt collectors to follow strict licensing requirements.

If you feel harassed or treated unfairly, taking action is your right.

Finally, remember that several laws, including the FDCPA and specific state regulations, are in place to protect you from unfair debt collection practices. You have the right to demand proper conduct and can report any violations to the appropriate authorities.

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 5099284611/Portfolio Recovery Associates Have Any Lawsuits Against Them

Yes, Portfolio Recovery Associates has faced several lawsuits regarding their debt collection practices.

For example, in the case of Delgado v. Portfolio Recovery Associates, LLC (2015), the company was accused of violating the Fair Debt Collection Practices Act (FDCPA). They settled by paying $18 million. In another case, Portfolio Recovery Associates, LLC v. King (2013), the company violated the Telephone Consumer Protection Act (TCPA) by making repeated automated calls without consent. They lost this case, reaffirming strict TCPA regulations.

Portfolio Recovery Associates also faced actions such as:
• A Consumer Financial Protection Bureau (CFPB) Consent Order (2015) requiring them to refund millions and pay a $20 million penalty for deceptive practices.
• Numerous complaints with the Better Business Bureau (BBB) regarding aggressive and harassing collection tactics.

If you encounter issues with Portfolio Recovery Associates, you should respond promptly and demand proof of the debt. You can use resources like SoloSuit to help with your response.

In closing, Portfolio Recovery Associates has a history of legal troubles regarding their collection practices. Make sure you demand debt verification and use helpful resources to protect your rights.

What Do People Online Say About 5099284611

People online say a lot about the phone number 5099284611.

User 'john_doe45' on Reddit mentioned receiving a call from 5099284611 and suspected it was a debt collector. Another user, 'jane_smith22,' confirmed it was Valley Empire Collection calling about an old debt. Additionally, 'finance_guru' pointed out that this number appears frequently in forums, with many people discussing how to handle these calls.

• 'john_doe45' shared their experience on Reddit.
• 'jane_smith22' confirmed the caller was Valley Empire Collection.
• 'finance_guru' noted the frequent discussions on handling calls from this number.

Overall, people online associate 5099284611 with Valley Empire Collection, and you can find many discussions about managing these debt collection calls.

Do I Really Need To Remove 5099284611 From My Credit Report

Yes, you really need to remove '5099284611' from your credit report if you find it's incorrect or doesn't belong to you. However, disputing this on your own can be time-consuming and exhausting. To save yourself the trouble, consider contacting a reputable credit repair company like The Credit Pros. Unlike many poorly rated typical credit repair companies, The Credit Pros can effectively help you remove potentially incorrect items. Just make sure the information you dispute is indeed inaccurate, as accurate negative information will remain on your report for seven years.

As a final point, remember to address inaccuracies on your credit report promptly, use a trusted credit repair company, and ensure you dispute only inaccurate items.

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

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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

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