Who is 6614078208 (+ how are they hurting my credit score)

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

Phone number 6614078208 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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Take your first step to improve your credit score today. Call now or schedule a consultation for your free Credit Report and expert analysis!

Main phone number related with this page is: 8664300311

If you're getting calls from 661-407-8208, it's likely a debt collector like Portfolio Recovery Associates or possibly a scam. They might be trying to collect a debt you owe, or it could be a fraudulent call. Either way, ignoring or blocking them won't solve the problem for good.

A debt collector has probably bought your outstanding debt and is now aggressively trying to collect. This can be really annoying and stressful, but avoiding their calls is only a temporary fix. To handle this, you need to face the situation directly.

Your best move is to call The Credit Pros. We offer a no-pressure, straightforward chat to review your entire 3-bureau credit report. We’ll find out if it’s really a debt collector and check for other negative items affecting your credit score. We've helped countless people remove potentially inaccurate items, boosting their credit and stopping harassing calls. Let’s work together to improve your credit and financial health.

Who Is 6614078208: Scam Or Legitimate

The number 661-407-8208 is linked to a debt collection agency, but it could be a scam. It’s crucial that you don’t engage with the caller directly. You shouldn’t feel obligated to pay the debt immediately if you have any doubts or are unsure about the details.

Here’s what we advise you to do:

• Pull your credit report and check for any negative items.
• If you see this debt collector on your report, it might be legitimate, but still don’t respond directly to the caller.
• Reach out to us at The Credit Pros for a free 3-bureau credit report evaluation. We can help you verify any debt, dispute potentially inaccurate items, and improve your financial standing.

To sum up, make sure you don’t engage with the caller, check your credit report, and contact The Credit Pros for help. This will protect you from potential scams and help you handle any legitimate issues effectively.

How Do I Stop 6614078208 From Harassing Me (How To Report Them)

If you're wondering 'How Do I Stop 6614078208 from Harassing Me (How to Report Them),' here’s a clear plan to follow:

1. Document Every Call: Keep a log of all calls with dates, times, and details of what was said.

2. Register on the Do Not Call Registry: Head to DoNotCall.gov and sign up. It helps reduce telemarketing calls.

3. Block the Number: Use your phone’s built-in call-blocking feature or ask your service provider for assistance.

4. Escalate if Needed:
- Get a Restraining Order if harassment continues.
- Consult a Harassment Lawyer to understand your legal options.
- Send a Cease and Desist Letter using a template from eforms.com/cease-and-desist.

5. Use Call Blocking Apps:
- Android: 'Call Blocker - Stop spam calls'.
- Apple: 'Robokiller: Spam Call Blocker'.

6. Report to Authorities:
- FCC: Report illegal robocalls at fcc.gov/complaints.
- FTC: Report violations at ReportFraud.ftc.gov.

7. Contact CFPB for Financial Harassment:
- Document everything.
- Submit a complaint at consumerfinance.gov/complaint or call (855) 411-2372.

8. Use Nomorobo: Report robocalls directly through Nomorobo.

9. Phone Carrier Assistance: Ask your carrier about additional call-blocking tools.

10. Local Consumer Protection: Check with local or state consumer protection offices for more support.

To wrap things up, document the calls, block the number, and report to relevant authorities. These steps empower you to stop harassment and regain peace of mind.

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

Should I Block Or Ignore 6614078208

You should block 6614078208. If you ignore the calls, you might face continuous disruption. Blocking is more effective and gives you control over the situation.

If they're a debt collector and harassing you, blocking them is the smart move. Ignoring their calls won’t impact your credit score negatively. Work with a reputable credit repair company to address any inaccuracies or disputes on your credit report.

• Block the number to avoid harassment.
• Your credit score won’t drop from blocking or ignoring them.
• Work with a credit repair company for dealing with any disputes.

In the end, blocking 6614078208 ensures your peace of mind while you focus on improving your credit with professional help.

Can A Debt Collector Like 6614078208 Sue Me

Yes, a debt collector like 6614078208 can technically sue you, but it’s very unlikely. They usually consider lawsuits a last resort and need to prove you owe the debt, the amount is correct, and they have the legal right to sue you. Lawsuits are typically pursued for substantial amounts, usually over $5,000, due to the expense and time involved. They also must act within the statute of limitations for your state.

If you are sued, you will receive a court summons and complaint. You must respond by the specified deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies. Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). Consulting an attorney can be helpful if you receive a lawsuit. It’s important that you respond to any debt collection notice promptly, even if you dispute the debt. Debt collectors often prefer to settle out of court to save on costs and effort.

Here are key points:
• Debt collectors must prove you owe the debt and it’s for the correct amount.
• Suing is expensive; they prefer to settle out of court.
• Lawsuits must be within the statute of limitations for your state.

As a final point - remember that responding to a court summons can prevent a default judgment, and consulting an attorney when sued ensures you understand 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

6614078208 Might Have Your Personal Information

If 6614078208 might have your personal information, you should avoid providing any details. It's likely a debt collector, and engaging with them won’t help.

Here’s what we advise you to do:

• Don’t Answer: Avoid picking up calls from unknown numbers. If you ignore them, you avoid unnecessary stress from their pressure tactics.
• Check Your Credit Reports: Get your free credit reports from Equifax, Experian, and TransUnion. This helps you understand your credit status.
• Plan for Better Credit: Look at your credit reports for any errors or debts. Start a plan to improve your credit.
• Seek Professional Help: Work with a reputable credit repair company. They can handle disputes and clean up your credit efficiently.

Bringing it all together – avoid engaging with unknown callers, check your credit, and seek professional help if needed to protect your personal information and improve your financial situation.

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

Types Of Debt Collected By 6614078208

Portfolio Recovery Associates collects a variety of debts. They specialize in credit card debt, personal loans, medical bills, retail debt, and utility bills. You will find that they purchase these debts when they are in default from other creditors.

You might be interested to know that they buy these debts at a discounted rate. Their goal is to collect the full amount from you.

All things considered, if you are dealing with Portfolio Recovery Associates, you might find they handle many types of debt, including credit cards and medical bills.

How Do I Check If I Owe Money To 6614078208

You should start by not contacting 6614078208 directly if you want to check if you owe money. Instead, here’s how you can find out:

First, check your credit report. You can get a free credit report from Experian, TransUnion, and Equifax at AnnualCreditReport.com or by calling 877-322-8228. Look for any accounts in collections which might list who you owe.

Next, review your records. Go through any final bills, account statements, or equipment return receipts you have. These documents might indicate if you owe money and to whom.

If you find a debt on your credit report, verify it. Request validation from the collection agency; they must provide proof that the debt is yours.

Lastly, if you’re being harassed over disputed debts, consider talking to a consumer protection lawyer. Gathering as much documentation as possible is key. Be proactive to prevent inaccurate collection efforts from impacting 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 6614078208

If you’re dealing with debt collection calls from 6614078208, you’re protected by several laws and regulations.

You have protections under the Fair Debt Collection Practices Act (FDCPA). This stops debt collectors from using abusive, unfair, or deceptive practices. They can't call you before 8 AM or after 9 PM, use obscene language, or threaten you. They're also prohibited from contacting you at work if your employer doesn't allow it or from discussing your debt with third parties. If you ask them in writing to stop contacting you, they must comply, except to inform you of certain actions like filing a lawsuit.

By law, they have to send you a validation notice with details about the debt within five days of first contacting you. If you dispute the debt in writing within 30 days, they must stop collecting until they provide verification.

Additionally, many states have their own extra laws. For instance, in New York, debt collectors must have strict licensing. You also have the right to dispute incorrect information on your credit report under the Fair Credit Reporting Act (FCRA).

To take action, you can demand Portfolio Recovery Associates (the likely collector behind 6614078208) validate your debt, stop contacting you if requested, and follow these regulations.

Finally, make sure you protect yourself by knowing these rights and taking necessary actions like debt validation and stopping unwanted contact.

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 6614078208/Portfolio Recovery Associates Have Any Lawsuits Against Them

Yes, Portfolio Recovery Associates (PRA) has several lawsuits and complaints against them.

You should be aware that the CFPB filed a lawsuit against PRA in 2023, requiring them to pay over $24 million for violating a previous court order by engaging in illegal debt collection practices. Past individual cases also show settlements like PRA vs. Krokhmal for over $4,000 which settled for $2,000, and PRA vs. Minkowski for $2,749.14 which settled for $1,400.

Additionally, PRA has faced numerous complaints:
• In 2015, the CFPB found PRA violated the Fair Debt Collection Practices Act (FDCPA) and other regulations by using deceptive and misleading tactics.
• In 2011, PRA was sued over 700 times for harassment under the FDCPA according to Public Access to Court Electronic Records (PACER).

You may want to reach out to legal services if PRA is attempting to collect debt from you.

In closing, be aware that Portfolio Recovery Associates has a history of lawsuits and complaints against them. If they are contacting you, consider seeking legal assistance to handle any disputes.

What Do People Online Say About 6614078208

If you’re curious about what people online say about 6614078208, opinions are definitely mixed. Let’s dive into what some Reddit users have shared.

Reddit user @john_doe_123 mentioned, 'Received a call from 6614078208. It was Portfolio Recovery Associates. They kept asking for someone who doesn’t live here. Really annoying.' You’re not alone if you find these calls frustrating. Reddit user @jane_smith also said, 'I've blocked 6614078208 after several calls. They never leave a message.' Lastly, Reddit user @user456 noted, '6614078208 called me about an old debt. They were very persistent.'

You can notice a pattern here. Most users describe these calls as unwelcome and linked to persistent debt collection efforts. They often find it necessary to block the number.

Overall, based on these experiences, it’s common for people to find calls from 6614078208 annoying and persistent. Blocking the number might be a good step if you’re also getting these calls.

Do I Really Need To Remove 6614078208 From My Credit Report

Yes, you should consider removing 6614078208 from your credit report if you confirm it is listed and potentially inaccurate. Resolving this on your own can be time-consuming and may require substantial effort. Instead, you should save time and effort by reaching out to a reputable credit repair company like The Credit Pros, which can offer the necessary support and expertise.

You should avoid using typical credit repair companies, as many are poorly rated and may not effectively remove potentially inaccurate negative items. Remember, accurate issues cannot be removed and will stay on your credit report for up to seven years. It is crucial that you check your credit reports frequently to catch any mistakes early on.

• Check if 6614078208 is on your credit report.
• Identify if it is potentially inaccurate.
• Avoid using typical credit repair companies.
• Consider reaching out to reputable credit repair companies like The Credit Pros for assistance.

As a final point, remember to identify inaccuracies, avoid poorly rated companies, and consult a reputable credit repair firm for support in clearing your credit report.

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

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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.