Who Is 6025988606 (+ How Are They Hurting My Credit Score)

Who is 6025988606: Scam or Legitimate

6025988606 belongs to Portfolio Recovery Associates, a debt collection agency. The number has been reported for harassment calls. If you receive a call from this number, here's what we advise you to do:

• Check your credit report to see if Portfolio Recovery Associates is listed as a collection item.
• Look for any inaccuracies or negative items that could harm your credit score.
• Contact us for a free 3-bureau credit report evaluation to identify any errors.

You should block the number to stop the harassment. You are not obligated to pay the debt immediately if you're unsure about its legitimacy. We, The Credit Pros, can help verify the debt and dispute any inaccuracies on your report.

To sum up: If 6025988606 calls you, check your credit report, block the number, and reach out to us for verification and support. Stay calm, and take control of your financial future.

To stop 6025988606 from harassing you, follow these steps:

First, document every unwanted interaction. Keep a detailed log of the calls, including dates, times, and any abusive language. Next, register your number at DoNotCall.gov and block the number through your phone’s call-blocking feature or by contacting your service provider.

Consider escalating measures if the harassment continues or involves threats:
• Obtain a restraining order.
• Hire a harassment lawyer, as harassment is illegal under federal and state laws.
• Send a cease and desist letter using the template from eforms.com/cease-and-desist.

Use call-blocking apps. For Android, try 'Call Blocker - Stop spam calls,' and for Apple, 'Robokiller: Spam Call Blocker.' Report the unwanted calls to the FCC at fcc.gov/complaints, detailing the number, date, and time. Also, report telemarketing calls to the FTC at ReportFraud.ftc.gov or general unwanted calls at DoNotCall.gov.

If necessary, submit a complaint to the CFPB at consumerfinance.gov/complaint or call (855) 411-2372. Use services like Nomorobo to report unwanted robocalls. Finally, contact your phone carrier for call-blocking options and reach out to local or state consumer protection offices for additional resources.

To wrap things up, you should document the harassment, block the number, use call-blocking apps, and report the harassment to the relevant authorities. This approach will help you to effectively stop and report the harassment calls from 6025988606.

You should block 6025988606. Blocking the number stops the calls and helps you maintain peace of mind without impacting your credit score or financial status. Here's why:

1. Stress Reduction: Blocking the number reduces stress by stopping the unwanted calls.
2. No Credit Impact: Blocking the number does not harm your credit score. If there's already a collection on your credit report, it doesn't worsen the situation.
3. Debt Verification: By blocking, you avoid potential harassment and have time to verify if the debt is legitimate later.

We advise you to work with a reputable credit repair company. They can help remove any inaccurate negative items from your report. It's important that you don't engage directly with the caller to keep control over the situation.

In the end, blocking and ignoring 6025988606 is a smart move to reduce stress and avoid potential scams. Take control by blocking the number and seeking help from credit experts.

Yes, a debt collector like 6025988606 (likely Portfolio Recovery Associates) can potentially sue you, but it's very unlikely. Here’s why:

• Lawsuits are usually their last resort, preferring to first try calls and letters.
• They often sue for substantial debts, typically over $5,000.
• They must prove you owe the debt, the amount is correct, and they have the right to sue, which is challenging if the debt has changed hands multiple times.
• Suing is expensive and time-consuming, so many collectors avoid court to save costs.
• Each state has a statute of limitations, and if your debt is old, it might be beyond this period.

You have rights under the Fair Debt Collection Practices Act (FDCPA) to protect you from abusive practices. If you are sued, you’ll receive a court summons and complaint. Respond within the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies. If this happens, consider consulting an attorney.

As a final point, remember that lawsuits are a last resort, they must prove your debt, and state limitations might protect you. If you are sued, respond promptly and seek legal advice.

If you receive a call from 6025988606, do not provide any personal information. This number might have your personal information and could be trying to collect more data. It's best to avoid picking up when they call, as engaging can lead to phishing scams or unwanted pressure.

Instead, here's what we advise you to do:

1. Obtain your 3-bureau credit report. This will help you understand your credit status and identify any potential issues.
2. Consider working with a reputable credit repair company. They can guide you through the process, help dispute inaccuracies, and offer expert advice to enhance your credit profile.
3. Block this number to avoid further calls.

Bringing it all together - do not engage with callers from 6025988606, get your 3-bureau credit report, and partner with a reputable credit repair company to safeguard your personal information and improve your credit.

Portfolio Recovery Associates, using the number 6025988606, collects various types of debt. You might face collections for credit card debt, auto loans, personal loans, or even cell phone bills that are past due. They often buy debt from original creditors and then work to collect it.

To protect yourself, always verify any debt claims you receive to avoid scams. If you engage, understand your rights and the legitimacy of the debt.

All things considered, understanding the types of debt collected by 6025988606 helps you navigate these issues better and protect yourself from potential scams.

To check if you owe money to 6025988606, follow these steps.

First, review your records. Look through any final bills, account statements, or receipts that might show a debt. Next, check your credit report. You might find any debts listed there, which can give you clues about what you might owe.

Request debt validation if the debt appears on your credit report. This means getting proof from the collections agency that you owe the debt. Avoid direct contact with the number to prevent restarting the statute of limitations on the debt.

Consider consulting a lawyer if you're being harassed or if the debt is disputed. Lastly, gather as much documentation as you can before taking any further steps.

Lastly, by being proactive and thorough, you can take control of any potential debts and protect your credit while reducing stress.

To protect you from 6025988606, a likely debt collector, several debt collection laws and regulations are in place.

First, the Fair Debt Collection Practices Act (FDCPA) offers you robust protections:

Contact Rules: They can't call you before 8 AM or after 9 PM, or at your workplace if your employer forbids it.
Abuse and Misrepresentation: They can't use abusive language, threats, or falsely present themselves as attorneys or government agents.
Privacy: They're not allowed to disclose your debt to third parties without permission.
Overcharging: They can't demand more money than what's legally allowed.

Additionally, they must provide written validation notice about the debt, and if you dispute it within 30 days, they must verify it. They also must notify you that they're attempting to collect a debt.

Many states, like New York, offer extra protections such as strict licensing requirements for debt collectors, adding another layer of safety for you.

You have rights:

Stop Communication: You can demand they stop contacting you, except for certain legal notices. Do this in writing.
Attorney Representation: If you have an attorney, they must communicate only with them.
Legal Recourse: You can sue for violations within a year and potentially recover damages and legal fees.
Reporting Violations: Report breaches to the FTC, CFPB, or your state attorney general.

Finally, understanding your rights can help you guard against improper or illegal practices from the number 6025988606.

Yes, Portfolio Recovery Associates has faced multiple lawsuits and official complaints regarding their debt collection practices.

You might be interested to know that they were involved in a significant 2015 CFPB order. The Consumer Financial Protection Bureau filed a lawsuit against Portfolio Recovery Associates, resulting in them having to pay over $27 million in restitution. Additionally, they were banned from several practices, such as collecting debts without a legal basis or collecting outside the statute of limitations.

In another case, the CFPB filed a complaint in 2023, claiming the company violated the 2015 order and engaged in actions that breached the Fair Debt Collection Practices Act and the Consumer Financial Protection Act.

There are also numerous official complaints against them. For example, the CFPB found in 2015 that Portfolio Recovery Associates made misleading statements, filed false affidavits, and collected debts without proper documentation. You should be aware that they failed to investigate and resolve consumer disputes about credit reporting. They were also accused of collecting debts outside the statute of limitations and using aggressive collection tactics.

In closing, it's clear that Portfolio Recovery Associates has a history of lawsuits and complaints due to non-compliance with debt collection regulations. Be cautious and stay informed about your rights if you ever have to deal with them.

Online comments about the number 602-598-8606 share varied experiences.

You might find Reddit User Eve S mentioning that the caller claims to represent Bridgecrest, a recent car financing company. However, she reports a continual busy tone when trying to reach them, which raises suspicions about the call's legitimacy.

Another Reddit User, Vonnie J, had a positive experience. They describe a courteous representative from credit collections who helped resolve an overlooked hospital copay efficiently and promptly.

There's also a report from an investigator named FTC DNC Spamlist, which highlights calls related to reducing debt (credit cards, mortgage, student loans) and mentions robocalls received in Spring Hill, Florida.

Overall, feedback about 602-598-8606 is mixed. Some users suggest potential scams or robocalls, while others report helpful and legitimate interactions.

Yes, you really need to remove 6025988606 from your credit report if it's there. If you verify the entry and it's incorrect, you should take action immediately. Don't waste time with typical credit repair companies, as many are deceptive. Handling disputes on your own can be stressful and time-consuming. Instead, we advise you to consider a reputable company like The Credit Pros. They can efficiently manage the dispute for you, saving you effort and stress.

Here's what you should do:
• Confirm the collection account on your credit report.
• Determine if the account is inaccurate.
• Avoid typical, possibly deceptive, credit repair companies.
• Reach out to a reputable company to handle disputes on your behalf.

As a final point, remember that removing inaccurate items from your credit report can significantly boost your credit score. Take action now by confirming the account, identifying inaccuracies, and seeking reputable help to manage disputes.

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.

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