Who Is 5125888313 (+ How Are They Hurting My Credit Score)

Updated: July 10, 2024
Call Type: Debt Collector
Spam Risk: Very High
Fact Checked

Phone number 5125888313 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

Calls from 5125888313 can cause stress, especially if you think it's a debt collector or scammer trying to damage your credit. If Portfolio Recovery Associates owns the number, they likely bought your unpaid debt and want to collect it. Ignoring or blocking the calls might feel like a temporary fix, but it won't solve the main issue-they'll keep trying to contact you about the debt.

Instead of just blocking or ignoring the calls, take steps to address any potential debt problems. Engage with The Credit Pros for a straightforward, pressure-free evaluation of your complete 3-bureau credit report. They'll help you determine if 5125888313 belongs to a debt collector or if there are other negative items impacting your credit score. Ignoring the issue can increase stress, lead to legal actions, and hurt your financial health even more.

The Credit Pros have helped many people in similar situations by removing potentially inaccurate negative items from credit reports. Addressing the issue directly can improve your credit score and overall financial health. Plus, you'll stop those annoying and persistent calls. Taking control now can prevent bigger problems later-empower yourself with informed action.

Who Is 5125888313: Scam Or Legitimate

The number 5125888313 is linked to Portfolio Recovery Associates, a debt collection agency. However, it could also be a scam. You shouldn't engage with the caller right away. You don’t need to pay the debt immediately, especially if you doubt its legitimacy.

Here's what we advise you to do:
• Pull your free 3-bureau credit report to check for any negative items.
• Analyze the report for inaccurate information that could harm your credit score.
• If you find this collection agency on your report, the call might be legitimate, but it’s still better not to respond directly.

We, The Credit Pros, have helped many people in similar situations. We can help you verify if the debt is real, dispute incorrect negative items, and improve your financial prospects. If you feel stressed or unsure, block the number and contact us for peace of mind.

To sum up, block the number to avoid stress, verify your credit report, and contact us for assistance with any issues.

How Do I Stop 5125888313 From Harassing Me (How To Report Them)

First, document every unwanted interaction with 5125888313. Write down dates, times, and any abusive language used. Register your number on the Do Not Call Registry. It only takes a couple of minutes. Then, block the number through your phone's built-in call-blocking feature or ask your service provider for help.

If the calls keep coming or become threatening, consider these escalating measures:

• Restraining Order: This legal order can protect you from further harassment.
• Harassment Lawyer: A lawyer can offer legal advice and take action since harassment violates federal and state laws.
• Cease and Desist Letter: Send one using a template from eforms.com.

You can also use apps to block the calls:
• Android: 'Call Blocker - Stop spam calls'
• Apple: 'Robokiller: Spam Call Blocker'

Report these calls to federal authorities:
• FCC: File a complaint at fcc.gov/complaints. Select the phone form, specify 'unwanted calls,' and provide details like the number, date, and time.
• FTC: Report violations of the Do Not Call Registry at ReportFraud.ftc.gov.

Contact the CFPB (Consumer Financial Protection Bureau) for additional support:
• Online: Use their form at consumerfinance.gov/complaint.
• Phone: Call (855) 411-2372 for assistance.
• Mail: Write to CFPB at 1700 G Street, NW, Washington, DC 20552.

For more help, check tools and options your phone carrier offers and look into resources from local or state consumer protection offices.

To wrap things up, remember to document every interaction, register with the Do Not Call Registry, block the number, and escalate to legal and federal authorities if necessary. We've outlined clear steps and resources to help you handle 5125888313's harassment effectively.

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

Should I Block Or Ignore 5125888313

You should block 5125888313. Blocking ensures you won't receive calls or texts, protecting you from potential harassment, especially if it's a debt collector. If you ignore them, you might still get annoying notifications.

Blocking doesn't affect your credit score. If this number is tied to a debt collection already on your credit report, it won’t harm your score further. If you believe the debt is incorrect, work with a reputable credit repair company to handle disputes. Blocking them while you sort this out will make the process stress-free.

Here’s what you should do:
• Block the number to avoid disturbances.
• Contact a credit repair company to address inaccuracies or disputes.
• Remember, blocking the number won’t directly impact your credit score.

In the end, blocking 5125888313 and seeking professional help will simplify the situation and reduce your stress.

Can A Debt Collector Like 5125888313 Sue Me

Yes, a debt collector like 5125888313 can sue you, but it's very unlikely. Debt collectors usually sue as a last resort, often for significant amounts over $5,000. They must prove you owe the debt, the amount is correct, and they have the legal right to sue, which can be challenging, especially if the debt has changed hands multiple times. Suing is expensive and time-consuming, so many collectors prefer settling out of court.

Each state has a statute of limitations, which is the time frame within which a debt collector can sue you. If your debt is old, it might be beyond this period. Typically, they start with calls and letters. If sued, you'll receive a court summons and must respond to avoid a default judgment, which could lead to wage garnishment or bank account levies.

Remember, under the Fair Debt Collection Practices Act (FDCPA), you have rights to protect you from abusive practices. Consulting with an attorney if you receive a lawsuit can provide additional protection and guidance.

As a final point, remember that while a debt collector like 5125888313 can sue you, it's rare. You should stay informed about your rights, check the statute of limitations, and seek legal help if necessary.

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

5125888313 Might Have Your Personal Information

If you receive a call from 5125888313, you should be cautious about sharing any personal information. This number is associated with debt collectors, and there's a risk of identity theft or scams. It's best that you avoid picking up calls from unknown numbers to protect yourself. If you do answer, do not provide any personal details.

Instead, here’s what we advise you to do:
• Obtain your 3-bureau credit report to understand your current credit standing.
• Start building a comprehensive credit improvement plan.
• Work with a reputable credit repair company. They can help you identify inaccuracies on your credit report and assist in disputing errors.

These steps ensure you manage your credit responsibly while protecting your personal information from potential scams or fraud.

Bringing it all together - avoid engaging with unknown callers, check your credit report, and work with a reliable credit repair company to keep your financial information secure.

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

Types Of Debt Collected By 5125888313

The types of debt collected by 5125888313 cover a range of consumer debts, such as credit card bills, personal loans, and medical bills. They collaborate with multiple creditors to buy and collect these debts, which can include banks, hospitals, and other financial institutions with unpaid accounts.

You will find they specialize in credit card debt, personal loans, and outstanding medical bills. They work closely with various creditors in buying and collecting these debts, helping banks, hospitals, and financial institutions recover unpaid accounts.

All things considered, 5125888313 focuses on collecting various consumer debts, including credit card bills, personal loans, and medical bills, by partnering with multiple creditors, such as banks and hospitals, to recover unpaid accounts.

How Do I Check If I Owe Money To 5125888313

To check if you owe money to 5125888313, follow these steps:

First, review your records. Look for any final bills, account statements, or equipment return receipts related to the debt. Double-check your paperwork and emails for any old debts or missed payments.

Next, obtain a free copy of your credit report from annualcreditreport.com. Check if there's any debt from Portfolio Recovery Associates or other collectors listed.

If you find a debt, you should request validation from the collection agency. They must provide proof of the debt's validity.

Consider consulting a consumer protection lawyer if you're uncertain or face harassment. They can offer advice tailored to your situation.

Avoid directly contacting the number. Doing so could reset the statute of limitations on old debts. Gather all necessary information first.

Lastly, be proactive by reviewing your records, checking your credit report, and seeking validation to prevent inaccurate collection attempts from affecting your credit.

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

Which Debt Collection Laws And Regulations Protect Me From 5125888313

The main law protecting you from debt collectors like Portfolio Recovery Associates is the Fair Debt Collection Practices Act (FDCPA). Here's how it helps:

• 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 using obscene language, threats, or repeated calls to harass you.
• Debt collectors can't pretend to be attorneys or government officials or disclose your debt to others like friends or coworkers.
• They must send you a written notice with details about the debt, including the amount owed, the creditor's name, and your right to dispute the debt. If you dispute in writing within 30 days, they must verify the debt before continuing collection efforts.
• You can ask them in writing to stop all communications, except for specific legal notifications.

Finally, you can sue for FDCPA violations within one year, and report them to the FTC, CFPB, or your state's attorney general. State laws might offer extra protections, so it's worth checking local regulations.

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 5125888313/Portfolio Recovery Associates Have Any Lawsuits Against Them

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

The Consumer Financial Protection Bureau (CFPB) has taken action against them multiple times. In 2015, the CFPB found that Portfolio Recovery Associates engaged in illegal collection practices, leading to over $27 million in restitution for deceptive tactics. A 2023 order required them to pay more than $24 million for continued violations.

The CFPB noted that Portfolio Recovery Associates collected on unsubstantiated debts, filed lawsuits without necessary documentation, and pursued time-barred debts, among other issues.

If you are dealing with them, it's crucial to know your rights and consider seeking legal advice.

In closing, Portfolio Recovery Associates has a history of lawsuits for illegal practices, so make sure you understand your rights and consider legal guidance.

What Do People Online Say About 5125888313

People online say that 5125888313 makes robocalls, pretending to be government entities, businesses, or even family and friends. Many have reported these calls as aggressive and harassing.

Reports from the FTC DNC Spamlist highlight:
• Calls related to pretending to be government, businesses, or family and friends.
• Harassment calls.
• Recorded message robocalls.

Overall, online feedback indicates that calls from 5125888313 are considered intrusive and deceptive, causing frustration for many recipients.

Do I Really Need To Remove 5125888313 From My Credit Report

Yes, you really should consider removing 5125888313 from your credit report if it's related to a collection and appears inaccurate. Removing such entries can boost your credit score and make qualifying for loans easier.

First, confirm that the collection appears on your credit report by checking it thoroughly. You can get free copies from annualcreditreport.com. If you find any incorrect information, you have the right to dispute it.

We recommend using a reputable credit repair company, like The Credit Pros, to handle these disputes. This can save you time and effort compared to doing it yourself.

- Check your credit report for the collection.
- Identify any inaccuracies.
- Dispute incorrect information, preferably with expert help.

As a final point, it's essential to remove inaccurate collections from your credit report, and working with a reputable company can significantly streamline the process.

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

Here are other formats 5125888313 can be written

- +1 512-588-8313
- +1 (512) 588-8313
- +1 512 588 8313
- (512) 588-8313
- 512-588-8313
- 512.588.8313
- 512 588 8313
- +15125888313
- (512) 588-8313
- 512.588.8313
- 5125888313

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.