Who is 6193091938 and why are they calling me?

When you receive a call from 6193091938, it's likely Portfolio Recovery Associates, a debt collection agency. While they may be legitimate, you should treat the call with caution. Don't engage directly - it's not worth the risk. You're not obligated to pay anything immediately, especially if you're unsure about the debt.

We suggest you take these steps:

• Block the number to stop unwanted calls
• Pull your free 3-bureau credit report
• Check for potentially inaccurate negative items
• Contact us at The Credit Pros for a free evaluation

We've helped thousands of people in similar situations. Whether this is a real collector or not, it's crucial that you examine your credit report. If Portfolio Recovery Associates shows up as a collection, it's probably legitimate - but you should still ignore it for now.

Let us verify any claimed debts, dispute potential errors, and boost your financial outlook. We're here to guide you through this process and improve your credit situation.

To wrap things up, remember that you have options and support available. You don't have to face this alone - we're here to help you navigate this situation and work towards a better financial future.

To stop 6193091938 from harassing you and report them, you should follow these steps:

First, you need to document all unwanted interactions. Keep a detailed log of calls, noting dates, times, and any abusive language you hear.

Next, register your number at DoNotCall.gov and block the number on your phone. You can also contact your service provider for additional blocking options. We recommend you install call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices.

If you're dealing with an illegal robocall, spoofing, or unwanted call, you should file a complaint with the FCC. Visit fcc.gov/complaints and select the phone form to report "unwanted calls." You can also report telemarketing calls or violations of the Do Not Call Registry at ReportFraud.ftc.gov or DoNotCall.gov.

For persistent issues, you should document all interactions and submit a complaint to the CFPB online at consumerfinance.gov/complaint or by calling (855) 411-2372. If the harassment doesn't stop, consider taking legal action:

• Get a restraining order
• Hire a harassment lawyer
• Send a cease and desist letter using a template from eforms.com/cease-and-desist/

Don't forget to reach out to your phone carrier. They can often provide additional call-blocking tools and services to help you.

To wrap things up, remember you have options to stop this harassment. By following these steps, you'll protect yourself and report the harasser effectively. Stay strong and don't hesitate to use these resources – they're here to help you regain your peace of mind.

You should block 6193091938. Here's why:

When you block this number, you stop unwanted calls from a debt collector without any consequences. If you ignore them, you'll likely keep receiving disruptive calls throughout your day. By blocking, you reduce your stress and take control of the situation.

Don't worry about your credit score dropping from blocking. Any existing impact from the collection remains unchanged. Blocking can also provide legal protection if they're harassing you.

We recommend that you:

• Block the number immediately
• Avoid engaging with them directly
• Work with a reputable credit repair company to handle the situation

This approach helps you:
- Minimize disruptions to your daily life
- Address the underlying issue properly
- Potentially remove inaccurate negative items from your credit report

Remember, you're not obligated to communicate with debt collectors. When you block them, you give yourself space to deal with the situation on your terms.

To wrap things up, blocking 6193091938 is your best move. It gives you peace of mind and control over your situation. We're here to support you through this process, so don't hesitate to take action and reclaim your peace.

Yes, a debt collector like 6193091938 can sue you, but it's unlikely. They usually only resort to legal action when you owe a substantial amount, typically over $5,000. Here's what you need to know:

Debt collectors face challenges when suing. They must prove you owe the debt, the amount is correct, and they have the legal right to sue. This can be difficult, especially if the debt has changed hands multiple times.

You should understand that suing is expensive and time-consuming for collectors. Many prefer to settle out of court instead. Each state has a statute of limitations, so if your debt is old, they might not be able to sue you legally.

Before considering legal action, debt collectors will usually try other methods to collect. You can expect:

• Phone calls
• Letters
• Settlement offers

If they do decide to sue, you'll receive a court summons and complaint. It's crucial that you respond to avoid a default judgment. This could lead to wage garnishment or bank account levies, though these outcomes are very unlikely.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). This law protects you from abusive or deceptive practices by debt collectors. We advise you to consult with an attorney if you receive a lawsuit. They can help you understand your options and potential defenses.

To wrap things up, while a debt collector can sue you, it's not common. You should focus on understanding your rights, responding to any legal notices, and seeking professional advice if needed. This way, you'll be better prepared to handle the situation effectively.

If you've received a call from 6193091938, you should be cautious as it might have your personal information. Portfolio Recovery Associates, a debt collection agency, often uses this number. You shouldn't answer calls from this number or provide any personal details.

Instead, we recommend you take these steps:

• Get your three-bureau credit report. This will give you a complete picture of your credit status.
• Check for any inaccuracies in your report. You need to identify any errors that might be affecting your credit score.
• Consider working with a reputable credit repair company. They can help you dispute errors and negotiate with creditors.

Remember, you're not obligated to speak with debt collectors over the phone. If you choose to communicate, it's best to do so in writing. This way, you have a record of all interactions.

We understand dealing with debt collectors can be stressful. However, you have rights under the Fair Debt Collection Practices Act. This law protects you from unfair or abusive collection practices.

If you're unsure about the legitimacy of the debt, you can request validation. The collector must provide proof that you owe the debt before continuing collection efforts.

To finish up, remember that you're in control of your financial situation. Block the number if calls persist, get your credit report, and consider professional help if needed. You've got this!

When 6193091938 contacts you, they're likely trying to collect various types of debt. You might owe money on credit card accounts, medical bills, or different kinds of loans, including personal and student loans. They don't specify which creditors they're working for, so it's important that you verify any debt they claim you owe.

You should know that this company uses several methods to recover the money they believe you owe. They'll probably call you on the phone, send you letters, and might even use other tactics to get your attention. It's crucial that you understand your rights when dealing with debt collectors like 6193091938.

We advise you to be cautious in your interactions with this company. Don't give out personal information without verifying the debt first. You have the right to ask for proof of the debt they're trying to collect. If you're unsure about the validity of the debt, you can dispute it.

Here are some steps you can take to protect yourself:

• Ask for written verification of the debt
• Don't share personal or financial information over the phone
• Keep records of all communications with the debt collector

To finish up, remember that you have rights when dealing with debt collectors. If you feel 6193091938 is harassing you or using unfair practices, you can file a complaint with the Consumer Financial Protection Bureau. Stay informed and don't hesitate to seek legal advice if you're unsure about how to proceed.

To check if you owe money to 6193091938, here's what we advise you to do:

First, you should review your personal records. Look for any final bills, account statements, or equipment return receipts that might show an outstanding debt. This step helps you get a clear picture of your financial situation.

Next, we recommend that you obtain your credit reports from Experian, TransUnion, and Equifax. These are the three major credit bureaus. You should carefully examine these reports for any entries related to this debt. This gives you a comprehensive view of your credit status.

If you find an entry, it's crucial that you request debt validation from the collector in writing. This means you're asking them to provide proof that the debt is actually yours. Don't skip this step – it's your right to verify the debt's legitimacy.

We strongly advise you to avoid direct phone contact. Why? Because it might restart the statute of limitations on old debts. Instead, stick to written communication to protect yourself.

Throughout this process, you should:

• Keep detailed records of all communications
• Gather any documentation you have about past payments or settlements
• Stay organized to track your progress and protect your rights

If you believe the debt is incorrect or you're being harassed, it's a good idea to consult a consumer protection lawyer. They can provide expert guidance tailored to your situation.

To finish up, remember that you're taking control of your financial health. By being proactive, you're protecting your credit and peace of mind. Don't hesitate to seek help if you need it – you've got this!

You are protected by several laws and regulations when dealing with calls from numbers like 6193091938. The main law protecting you is the Fair Debt Collection Practices Act (FDCPA). This federal law prohibits third-party debt collectors from using abusive, unfair, or deceptive practices when collecting personal, family, and household debts.

Under the FDCPA, you have the right to be free from certain behaviors. Debt collectors cannot:

• Contact you before 8 AM or after 9 PM
• Call you at work if your employer prohibits such calls
• Use abusive or obscene language
• Harass you with repeated calls
• Falsely represent themselves as attorneys or government officials

You also have the right to receive a written validation notice from the debt collector. This notice must include the amount you owe, the name of the creditor, and your rights to dispute the debt. If you dispute the debt in writing within 30 days, the collector must verify it before continuing collection efforts.

You can request that the debt collector stop contacting you entirely. We recommend you make this request in writing. If you have an attorney, inform the collector to communicate only with your lawyer.

Many states offer additional protections beyond the FDCPA. We advise you to contact your state attorney general's office to learn about specific laws in your area.

To finish up, remember you have the power to protect yourself from unfair debt collection practices. If you believe a collector has violated your rights, don't hesitate to report them to the FTC, CFPB, or your state attorney general. You're not alone in this process, and there are resources available to help you navigate these challenging situations.

Yes, Portfolio Recovery Associates (PRA) faces multiple lawsuits. The Consumer Financial Protection Bureau (CFPB) has filed a significant lawsuit against them for violating a 2015 order. You should know that PRA allegedly collected unsubstantiated debt and filed lawsuits without proper documentation. As a result, PRA may have to pay over $12 million in consumer restitution and penalties.

You might be interested to learn that several individual lawsuits against PRA were dismissed:

• Portfolio Recovery LLC vs. Our Client 900,413 in Harris County Court at Law No. 1
• Portfolio Recovery LLC vs. Our Client JC1100809G in Dallas County Justice Court 4-1
• Portfolio Recovery LLC vs. Our Client 02-JC-11-00259 in Collin County Justice Court 2-1

In all these cases, no payments were made.

We want you to be aware of official complaints against PRA:

• September 2015: CFPB complained about violations of consumer protection laws and deceptive debt collection tactics.
• March 2023: CFPB filed another complaint for non-compliance with the 2015 order, misrepresentations, and unlawful collection practices.

To finish up, if you want to dig deeper, we recommend you check out the CFPB website and court records. You'll find more specific information there about PRA's legal troubles and how they might affect you.

People online generally express frustration with calls from 619-309-1938, a number associated with Portfolio Recovery Associates, a debt collection agency. You'll find numerous complaints on platforms like Reddit about receiving frequent, inconvenient calls from this number.

Here's what users are saying:

• "Got a call from 619-309-1938, it's a debt collector. Super annoying," shares Reddit user u/jonathan_doe.
• Another Redditor, u/susan87, complains: "I keep getting calls from this number, 619-309-1938. They call at the worst times."
• A Robokiller report from April 26, 2019, confirms: "Portfolio Recovery Associates is using this number."
• On August 8, 2021, a Robokiller user noted: "Uses multiple phone numbers including 619-309-1938."

You'll notice a consistent theme in these comments - people find the calls disruptive and irritating. Many users report receiving multiple calls at inconvenient times, which adds to their frustration.

To wrap things up, if you're getting calls from 619-309-1938, you're not alone. Many others are experiencing the same issue with this debt collection agency. Remember, you have rights when it comes to debt collection practices, so don't hesitate to explore your options if these calls are causing you stress.

You should remove 6193091938 from your credit report if it's inaccurate. We understand dealing with collections is stressful, but don't waste time disputing on your own. Instead, we recommend you reach out to a reputable credit repair company like The Credit Pros. We can save you hours of effort and boost your chances of success.

Most credit repair companies are scams, but a few good ones can make a world of difference for you. They'll thoroughly investigate the item and handle disputes professionally. This approach is far more effective than if you go it alone.

Here's what you need to remember:
• Only dispute if it's truly inaccurate
• Avoid shady "credit repair" outfits
• Let experts handle the complex process for you
• Save your time and increase removal odds

We're here to help you clean up your credit report so you can move forward with confidence. Our team has the expertise to challenge potentially inaccurate items and improve your overall credit profile.

To finish up, you should take action if 6193091938 is inaccurately on your report. Let us handle the heavy lifting so you can focus on rebuilding your financial future.

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