Who Is 5593643065 (+ How Are They Hurting My Credit Score)

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

Phone number 5593643065 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

You might be getting calls from 5593643065, likely from Portfolio Recovery Associates, a debt collection agency. Persistent calls suggest they're trying to collect an outstanding debt. Ignoring or blocking the number provides only temporary relief and won't solve the real problem. Addressing the issue is crucial to protect your credit score.

If it’s Portfolio Recovery Associates, they likely bought a debt you owe and are now trying to collect it. Blocking the number stops the harassment briefly, but doesn’t resolve the debt. You need to determine if this debt is legitimate. Check your credit report for inaccuracies and confirm the debt’s validity as your first step.

The best move is to contact The Credit Pros. We offer a no-pressure consultation to review your 3-bureau credit report and identify any negative items, including potentially inaccurate ones from debt collectors like Portfolio Recovery Associates. We’ve helped countless people remove such items, boosting their credit scores and stopping the harassment. Don't let these calls harm your finances; take control today.

Who Is 5593643065: Scam Or Legitimate

The number 5593643065 is likely from Portfolio Recovery Associates, a debt collection agency, though it could also be a scam. You should avoid engaging with the caller directly. Never pay any debt immediately if you have doubts or are unsure about the details. We recommend you call us for a free 3-bureau credit report evaluation to identify any potentially inaccurate, negative items on your report that might hurt your score.

Here's what you should do next:

• Pull your credit report and analyze it for any potentially inaccurate negative items.
• If this brand appears as a collection/negative item, the call might be legitimate, but it's best not to respond directly.
• Verify the debt. We can help you verify any debt from this collector, dispute inaccurate items, and improve your financial prospects.

Let us assist you in handling these types of calls and improving your financial outlook.

To sum up, avoid engaging directly with the caller from 5593643065, pull your credit report, and verify any debt through proper channels to protect your financial health.

How Do I Stop 5593643065 From Harassing Me (How To Report Them)

To stop 5593643065 from harassing you and report them, first document all unwanted interactions with detailed notes on dates, times, and any abusive language used.

Then, register your number on the National Do Not Call Registry at DoNotCall.gov. This process takes just a few minutes and helps protect you from further unwanted calls.

Block the number using your phone's call-blocking feature. You can also download apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices.

Next, file a complaint with the FCC by visiting fcc.gov/complaints. Select 'unwanted calls' and provide the necessary details.

You should also report the number to the FTC. For telemarketing violations, go to ReportFraud.ftc.gov or use DoNotCall.gov for general unwanted calls.

If the harassment is severe, contact your local law enforcement and consider filing an online police report. Systems like the City of Paso Robles Online Police Reporting System allow you to file a report and obtain a report number for your service provider.

For additional measures, consider getting a restraining order, consulting a harassment lawyer, or sending a cease and desist letter using a template from eforms.com/cease-and-desist.

Lastly, use services like Nomorobo to report and block robocalls effectively. If your current provider doesn't block spam calls, consider switching to a service like Community Phone.

To wrap things up, remember to document everything, block the number, report the harassment to authorities, and consider additional legal measures if needed. Taking these steps can help protect you and stop 5593643065 from continuing their harassment.

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

Should I Block Or Ignore 5593643065

You should block 5593643065. You won't face any consequences for doing so, and it won't impact your credit score. If the number belongs to a debt collector who is harassing you, blocking makes sense. You should ignore their calls and work with a reputable credit repair company to address any inaccuracies on your credit report. Blocking the number won't further harm your credit score.

Blocking has several benefits:
• Reduces stress from constant calls.
• Prevents harassment.
• Gives you space to focus on resolving credit issues without disturbance.

In the end, taking control by blocking the number and working with a credit repair company will help you handle the situation effectively and reduce your stress.

Can A Debt Collector Like 5593643065 Sue Me

Yes, a debt collector like 5593643065 can sue you, although it is rare and typically a last resort. They usually go this route for debts over $5,000 because lawsuits are costly and time-consuming. They must prove you owe the debt, the amount is correct, and they have the legal right to sue. This becomes more difficult if the debt has been sold to different collectors.

Each state has a statute of limitations, and if your debt is old, it might be beyond this period. Debt collectors often prefer phone calls and letters to collect money. If you are sued, you will receive a court summons and must respond to avoid a default judgment, which could lead to wage garnishment or bank account levies.

As a final point, remember that the Fair Debt Collection Practices Act (FDCPA) protects you from abusive practices. If you are sued, consider consulting an attorney to explore your options and defenses.

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

5593643065 Might Have Your Personal Information

If 5593643065 has called you, they might have your personal information and are likely debt collectors. You shouldn't provide any personal information to them.

Here's what we advise you to do:

- Don't Answer or Engage: It's important that you avoid picking up calls from numbers you don't recognize. If you engage, you might give them more information than you intend.

- Obtain Your 3-Bureau Report: You should get your credit reports from Equifax, Experian, and TransUnion to understand your current credit standing.

- Plan to Improve Your Credit: Start creating a plan to improve your credit. This could mean paying off debts or disputing inaccuracies.

- Work with a Reputable Credit Repair Company: Consider working with a reputable credit repair company. They can help dispute inaccuracies and guide you through the process, making it more effective and less stressful.

Bringing it all together - avoiding engagement with unknown callers, checking your credit reports, planning for credit improvement, and seeking professional assistance can protect your personal information and help you manage your credit effectively.

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

Types Of Debt Collected By 5593643065

559-364-3065 collects various types of debt, focusing on credit card debt, personal loans, and retail accounts. They frequently contact you regarding overdue accounts, so it's essential you stay informed about your rights and confirm any debt claims before making payments. Here's a quick rundown of the types of debts they handle:

• Credit card debt collections.
• Personal loan collections.
• Retail account debts.

You should verify any claims they make before proceeding with payments.

All things considered, staying aware of your rights and confirming debt claims before paying can help you manage interactions with 559-364-3065 effectively.

How Do I Check If I Owe Money To 5593643065

First, you should check your own records for any outstanding bills, final account statements, or equipment return receipts. This helps ensure you have complete information. Next, review your credit reports to see if any debts linked to the phone number 5593643065 are listed. You can get a free credit report from AnnualCreditReport.com.

If you see a debt on your report, request debt validation from the collection agency to verify that it’s accurate. Be cautious not to initiate direct contact; instead, request this validation in writing. If you face harassment or disputes, consult a consumer protection lawyer to understand your rights.

• Gather as much information as possible from your records and credit reports.
• Avoid direct contact with the collection agency; request debt validation in writing.
• Consult a consumer protection lawyer if you face harassment or disputes.

Lastly, stay proactive and informed to manage the situation better.

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

Which Debt Collection Laws And Regulations Protect Me From 5593643065

You are protected by several debt collection laws and regulations, mainly the Fair Debt Collection Practices Act (FDCPA) and state-specific laws. The FDCPA is a federal law that prohibits third-party debt collectors from using abusive, deceptive, or unfair practices. This covers personal, family, and household debts like credit cards, auto loans, medical bills, and mortgages. It forbids collectors from contacting you before 8 AM or after 9 PM, calling you at work if your employer prohibits it, using abusive language, making threats, harassing you repeatedly, falsely representing themselves, and disclosing your debt to third parties.

Debt collectors must provide you with a validation notice within five days of first contact, which includes the amount owed, the name of the creditor, and your rights to dispute the debt. If you dispute the debt in writing within 30 days, collection efforts must stop until verification is provided.

Your rights include demanding that debt collectors stop all communication in writing, ensuring all communication goes through your attorney if you have one, and suing for FDCPA violations within a year. Additionally, state laws may offer extra protection, such as stricter licensing requirements for debt collectors in New York.

If you believe a scammer is contacting you, the debt may be fake or beyond the statute of limitations. Scammers often refuse to disclose their identity, demand immediate payment through untraceable methods, and use obscene language or threats. If you're unsure, check your credit report for free annually to verify the debt and file a complaint with the DFPI if needed.

Finally, remember that you have rights and various laws to protect you from unfair practices and scams.

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 5593643065/Portfolio Recovery Associates Have Any Lawsuits Against Them

Yes, Portfolio Recovery Associates (PRA) has faced several lawsuits and numerous complaints regarding their debt collection practices.

Lawsuits Against PRA:
- Consumer Financial Protection Bureau (CFPB) Action (2023): The CFPB filed a complaint against PRA for violating a 2015 order and engaging in illegal debt collection practices. PRA was ordered to pay over $24 million in penalties and compensation to consumers.
- Telephone Consumer Protection Act (TCPA) Class Action: PRA settled a class action for making autodialed calls without consent, spanning from 2006 to 2013, with multiple actions consolidated in California federal court in 2011.

Official Complaints:
- CFPB Violations (2015 Order): PRA breached the Consumer Financial Protection Act and Fair Debt Collection Practices Act by collecting unsubstantiated debts, suing without necessary documentation, and threatening legal action improperly.
- Aggressive Tactics: Thousands of consumers have reported PRA for aggressive and sometimes illegal debt collection methods.
- Credit Reporting Issues: PRA failed to investigate and resolve disputes about credit reporting properly, violating the Fair Credit Reporting Act and its regulations.

In closing, PRA has a history of legal issues and complaints, highlighting the importance of being informed and proactive if you face their debt collection tactics.

What Do People Online Say About 5593643065

You mention that many people online are annoyed by calls from 5593643065. Reddit user 'TechieG33k' says they are calls from Portfolio Recovery Associates, which they find really annoying. Likewise, user 'Sam321' warns about repeated calls from this number, describing it as frustrating.

Another person, 'MandyQ,' reports being contacted by 5593643065 about a debt they have already paid. 'JohnDoe74' also notes that Portfolio Recovery keeps asking about an old debt they don’t remember.

From these comments, it's clear that calls from 5593643065 are intrusive and often linked to disputed debts. You might want to block the number or contact Portfolio Recovery Associates directly to resolve any concerns.

Overall, people online say calls from 5593643065 are bothersome and frequent, often involving unresolved or disputed debts. Consider blocking the number or reaching out to address any issues directly.

Do I Really Need To Remove 5593643065 From My Credit Report

Yes, you should definitely consider removing 5593643065 from your credit report if you've confirmed it's there and identified it as 'potentially inaccurate.' Getting rid of this can boost your credit health significantly. Handling it yourself can be quite time-consuming, but there's help available.

Instead of navigating this alone, reach out to a reputable credit repair company like The Credit Pros. They can efficiently increase your chances of removing potentially inaccurate negative items. Here’s why:

• Avoid typical credit repair companies; most have poor ratings and don't maximize your chances.
• Disputing the inaccuracies yourself takes a lot of time.
• Companies like The Credit Pros specialize in resolving these issues effectively.

As a final point - remember to remove inaccuracy on your credit report to improve your financial health. We suggest seeking help from reputable companies to save time and increase your chances of success.

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

Here are other formats 5593643065 can be written

- +1 559-364-3065
- +1 (559) 364-3065
- +1 559 364 3065
- (559) 364-3065
- 559-364-3065
- 559.364.3065
- 559 364 3065
- +15593643065
- (559) 364-3065
- 559.364.3065
- 5593643065

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.