Who Is 5593583901 (+ How Are They Hurting My Credit Score)

The phone number 5593583901 appears to belong to a debt collection agency called Portfolio Recovery Associates. However, it could also be a scam. It's important that you don't engage with the caller, whether legitimate or a scammer. You are not obligated to pay the debt immediately if you are unsure about the details.

Here's what we advise you to do:

1. Pull your credit report and check for any potentially inaccurate negative items.
2. If this brand shows up as a collection or negative item, it could be a legitimate call, but responding is still unnecessary.
3. Call us for a free 3-bureau credit report evaluation to verify any debts and dispute any inaccuracies.

By taking these steps, you can protect your financial interests and avoid falling victim to potential scams. The Credit Pros have helped many people navigate similar situations, and we are here to assist you in improving your financial prospects.

To sum up – make sure you don't engage with the caller, verify your debts by checking your credit report, and reach out to us for a free evaluation to ensure your financial security.

To stop 5593583901 from harassing you and report them, start by documenting every unwanted interaction. Keep a log with dates, times, and any abusive language used.

Register your number at DoNotCall.gov. It only takes about 2 minutes. Block the number using your phone’s call-blocking feature or contact your service provider for help.

• If calls persist or threats escalate, consider getting a restraining order.
• Hiring a harassment lawyer can help you understand your rights and take action.
• Send a cease and desist letter using a template from eforms.com/cease-and-desist.

Use call-blocking apps:
• Android: 'Call Blocker - Stop spam calls.'
• Apple: 'Robokiller: Spam Call Blocker.'

You can also file a complaint with the FCC by visiting fcc.gov/complaints if it’s an illegal robocall or your number is spoofed. Report telemarketing calls or Do Not Call Registry violations at ReportFraud.ftc.gov or DoNotCall.gov.

Document all interactions and submit a complaint at consumerfinance.gov/complaint. You can also call (855) 411-2372 or mail your complaint to the CFPB. If you use Nomorobo, report unwanted robocalls through their platform.

Contact your phone carrier about their call-blocking tools and options. Check with your local or state consumer protection offices for additional resources or ways to file complaints.

To wrap things up, remember this: document everything, block the number, and report the harassment to the right authorities. Use these steps to take action and protect yourself from unwanted calls.

You should block the number 5593583901. If you ignore the number, you'll still receive calls and messages, but you won't be notified. However, blocking it ensures all contact is cut off. If the number is from a debt collector and they're harassing you, blocking it is a smart move. It won't affect your credit score and will reduce stress from unwanted calls.

Working with a reputable credit repair company to handle any inaccuracies or disputes on your credit report is a proactive step. This helps maintain your credit health while managing the situation efficiently.

• Blocking stops all contact and notifications from the number.
• Ignoring allows contact but mutes notifications.
• Blocking won't affect your credit score.

In the end, blocking the number and seeking professional help protect you from harassment and help manage your credit smoothly.

Yes, a debt collector like 5593583901 can sue you, but it's very unlikely. Debt collectors usually sue for substantial amounts, typically over $5,000. They must prove that you owe the debt, the amount is correct, and they have the legal right to sue, which can be challenging if the debt has changed hands.

Suing is expensive and time-consuming, so debt collectors often prefer to settle out of court. Additionally, each state has a Statute of Limitations that limits the time frame within which a debt collector can sue you. If the debt is old, it might be beyond this period, making a lawsuit less likely.

Debt collectors usually try other methods like calls and letters first. If they do decide to sue, you will receive a court summons and complaint. You must respond to avoid a default judgment, which could lead to wage garnishment or bank account levies, though this is rare.

You have rights under the Fair Debt Collection Practices Act (FDCPA), which protects you from abusive or deceptive practices. If you receive a lawsuit, consider consulting with an attorney to understand your options and defenses.

As a final point, remember that while a debt collector like 5593583901 can sue you, it's rare. Addressing the issue early and knowing your rights are essential steps to take.

If you receive a call from 5593583901, don't provide any personal information. Ideally, don't even pick up. These calls are often from debt collectors or scammers who might misuse your details. The best approach is to obtain your 3-bureau credit report and build a comprehensive plan to improve your credit. We advise you to work with a reputable credit repair company because they can handle inaccuracies and disputes more effectively. Block the number and report any suspicious activity to the Federal Trade Commission.

Here are a few steps you should take:

• Block the phone number to prevent further calls.
• Do not verify any personal information over the phone.
• Obtain your credit report from the three major bureaus.
• Work with a reputable credit repair company for fixing inaccuracies and disputes.

Bringing it all together, by you blocking the number, securing your credit report, and working with a reputable credit repair company, you can protect your personal information and improve your credit situation effectively.

Portfolio Recovery Associates collects various types of debt, including consumer debts like credit card balances, personal loans, and auto loans. They may also collect commercial debts.

You typically face these collections whether Portfolio Recovery Associates works directly with your original creditors or purchases debt portfolios from them. If you're uncertain about any specific debt they are trying to collect, it's always good to ask for validation to ensure it's accurate.

All things considered, you should always verify any debts they contact you about and understand the process they use to recover these debts. Take these steps to ensure you manage your finances responsibly.

To check if you owe money to 5593583901, you should follow these steps:

First, obtain copies of your credit reports from Experian, TransUnion, and Equifax. Visit AnnualCreditReport.com for free weekly reports. Look for any debts associated with 5593583901 or Portfolio Recovery Associates.

Next, go through your mail and email for any unpaid bills, account statements, or collections notices related to 5593583901. Verify the legitimacy of these documents by checking the collection agency online.

Then, if you find a debt from 5593583901 on your credit report, request debt validation from Portfolio Recovery Associates. This ensures the debt is accurate and legally collectible.

Lastly, if you're facing harassment over a disputed debt, consulting a consumer protection lawyer for advice and potential actions can be helpful. Remember, it's important that you gather as much documentation as possible before reaching out to any parties involved.

If you're dealing with debt collection calls from 5593583901, here's how you’re protected:

The Fair Debt Collection Practices Act (FDCPA) stops collectors from using abusive, deceptive, or unfair practices. They can’t call you before 8 AM or after 9 PM, use threatening language, or harass you with repeated calls. You’re entitled to a written validation notice about your debt, and collectors must stop contacting you if you request it in writing, except for specific reasons.

State debt collection laws might offer extra protections. Some states have strict licensing requirements and additional rules against unfair practices.

Debt collectors can’t contact you at inconvenient times or at work if your employer disapproves. They can’t falsely claim to be attorneys or government representatives, nor can they disclose your debt to third parties without your permission.

You can dispute the debt in writing within 30 days, and the collector must verify it before continuing collection efforts. If you have an attorney, collectors must communicate with your attorney. You can report violations to the FTC, CFPB, and your state attorney general. You have the right to sue for FDCPA violations within one year, potentially recovering damages and attorney fees.

Finally, remember these protections ensure you’re not harassed or misled. Use these steps to report issues and assert your rights confidently.

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

• In 2015, the Consumer Financial Protection Bureau (CFPB) sued them for illegal debt collection practices, resulting in over $27 million paid to consumers.
• In 2022, the CFPB took further action, proposing a court order for more than $24 million in restitution and penalties due to continued violations.
• They've also faced numerous complaints for violating the Fair Debt Collection Practices Act (FDCPA), using false and misleading info, aggressive tactics, and collecting on unsubstantiated debts.

You should be aware of your rights to protect yourself. It is important to address any inaccuracies on your credit report and seek legal advice if needed.

In closing, Portfolio Recovery Associates has a history of multiple lawsuits for their debt collection practices. Knowing your rights and getting legal assistance can help you handle any issues effectively.

If you're wondering What Do People Online Say About 5593583901, the feedback isn't great.

Reddit user 'paulson123' mentioned, “These guys from 559-358-3901 keep calling. Total spam!” Another user, 'maria_99,' commented, “I got a call and it was dead air. So annoying!” Meanwhile, on Robokiller, 'pornfolio recoveryz' reported, “Called on a recorded line asking for an individual. Call ended due to no response.”

Many people consider calls from 559-358-3901 as spam or a nuisance. You often find reports of dead air or automated messages. Users express frustration and find these calls bothersome.

You should block the number and use call-filtering apps to prevent future disruptions.

Overall, it’s clear that calls from 559-358-3901 are seen as spam. People online advise you to block it and use tools to avoid such annoying interruptions.

Yes, you should consider removing 5593583901 from your credit report if you confirm that it's there and believe it's potentially inaccurate. Make sure you check your credit report for any errors. Correcting mistakes can improve your credit score.

While you might be tempted to handle the dispute on your own, it can be very time-consuming and stressful. Instead, consider reaching out to a reputable credit repair company like The Credit Pros. They can save you a lot of time and increase your chances of successfully removing potentially inaccurate negative items from your report.

Avoid typical credit repair companies as most are poorly rated. Be proactive and check your credit reports frequently for accuracy.

As a final point - always be proactive in checking and correcting your credit report. Consider using a reputable credit repair service to handle any disputes effectively.

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