Who is 7022082710 (+ how are they hurting my credit score)

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

Phone number 7022082710 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

Portfolio Recovery Associates, a debt collection agency, probably calls you from 7022082710. These calls can feel stressful, reminding you of a debt you forgot or didn't know existed. Ignoring or blocking them won’t fix the real issue; you need a lasting solution.

Debt collectors might try to collect what you owe if they're calling from 7022082710. They often buy old debts and then bombard you with repetitive, annoying calls to get you to pay up. Blocking their number might give you short-term relief, but it won't stop the potential hit to your credit score.

Contact The Credit Pros for help. Call us at the number above for a straightforward, no-pressure chat. We'll check your 3-bureau credit report to see if Portfolio Recovery Associates is calling and find other negative items. We’ve helped many people remove inaccurate negative items from their credit reports, improving their credit scores and financial health. Put an end to those harassing calls and start your journey to a better financial future!

Who Is 7022082710: Scam Or Legitimate

The phone number 7022082710 belongs to Portfolio Recovery Associates, a debt collection agency. However, you should be cautious as it might also be a scam.

First, don't engage with the caller directly. Verify the details before considering any payment. You can check your credit report for any negative items related to Portfolio Recovery Associates. If the call is legitimate, they might appear there. However, it's still wise not to respond right away.

Instead, consider contacting The Credit Pros for a free 3-bureau credit report evaluation. They can help you verify the debt, dispute any inaccuracies, and improve your financial situation.

To sum up, be cautious with calls from 7022082710. Verify any debt through your credit report, avoid immediate engagement, and get professional help to ensure your credit remains accurate and healthy.

How Do I Stop 7022082710 From Harassing Me (How To Report Them)

To stop 7022082710 from harassing you and report them, follow these steps:

Document every unwanted interaction. Keep a detailed log with dates, times, and any abusive language used.

Block the number using your phone's call-blocking feature or contact your service provider for assistance. Consider using apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices.

If the harassment persists, escalate your measures:
• Obtain a restraining order to legally restrict contact.
• Consult a harassment lawyer to understand your legal rights.
• Send a cease and desist letter using a template from eforms.com/cease-and-desist.

Report the harassment to the Federal Communications Commission (FCC). File a complaint at fcc.gov/complaints.

Report telemarketing calls to the Federal Trade Commission (FTC) at ReportFraud.ftc.gov.

Gather all details and submit a complaint to the CFPB (Consumer Financial Protection Bureau) online at consumerfinance.gov/complaint or call (855) 411-2372.

If you use Nomorobo, report unwanted robocalls through their service.

Contact your phone carrier about additional call-blocking tools they may offer.

Check with your local or state consumer protection office for extra resources or complaint mechanisms.

To wrap things up, document the harassment, block the number, and report it to the relevant authorities. Taking these steps can help you regain peace and control over your personal space.

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

Should I Block Or Ignore 7022082710

You should block the number 7022082710. Ignoring it might lead to continuous unwanted calls and unnecessary stress. Blocking a debt collector, especially if they're harassing, is a smart move. You won't face any negative impact on your credit score for blocking them.

If Portfolio Recovery Associates is already on your credit report, blocking this number won't worsen your situation. Instead, you should work with a reputable credit repair company to address any inaccuracies on your report.

Here’s what we advise you to do:
• Block the number to stop the calls.
• Work with a credit repair company to handle disputed items.
• Stay informed about your rights with debt collectors.

In the end, block the number, collaborate with a credit repair company, and know your rights to manage this situation effectively and reduce stress.

Can A Debt Collector Like 7022082710 Sue Me

Yes, a debt collector like 7022082710 can sue you, but it's very unlikely. Let’s break it down:

Debt collectors usually see lawsuits as a last resort. They prefer calling and sending letters first. They often sue only for substantial amounts, typically over $5,000, because lawsuits are costly. For them to successfully sue, they must prove you owe the debt, the amount is correct, and they have the legal right to sue, which is tough if the debt has changed hands multiple times.

Suing is expensive and time-consuming. Settling out of court is often easier for debt collectors. Plus, each state has a time limit (Statute of Limitations) on how long a debt collector can sue you. If your debt is too old, they probably can’t sue.

If they do decide to sue, you will receive a court summons. Make sure you respond to avoid a default judgment, which could lead to wage garnishment or bank levies. Remember, the Fair Debt Collection Practices Act (FDCPA) protects you. If you receive a lawsuit, consider talking to a lawyer to understand your options.

As a final point, lawsuits are rare for debt collectors because they're costly. If you get a court summons, respond to it to avoid further complications, and remember, the FDCPA is there to protect you.

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

7022082710 Might Have Your Personal Information

You might get calls from 702-208-2710, possibly linked to Portfolio Recovery Associates, a debt collection agency. You shouldn't provide any personal information to them. If you ignore them, you might receive continuous calls that disrupt your day.

You should focus on obtaining your 3-bureau credit report to understand your credit status. This helps you build a plan to improve your credit. Working with a reputable credit repair company can be beneficial. They have expertise in correcting inaccuracies, handling disputes, and guiding you towards better credit management.

Block their number to avoid stress. Let professionals assist you in managing your credit efficiently.

Bringing it all together - You shouldn't share personal information with them. Get your credit report, block their number, and consult a credit repair company to handle disputes effectively.

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

Types Of Debt Collected By 7022082710

7022082710 is associated with Portfolio Recovery Associates, a company that collects various types of debts. If you have unpaid credit card bills, medical bills, personal loans, or even some utility bills, you might hear from them. Portfolio Recovery Associates either works on behalf of creditors or buys delinquent debts at a discount to recover the amounts owed.

You should know that if they contact you, it's generally because you have one of these outstanding debts. It’s crucial that you address any inaccuracies on your credit report and verify the debt before making any payments.

• Unpaid credit card bills
• Medical bills
• Personal loans
• Utility bills

All things considered, if you receive a call from 7022082710, it’s likely related to a debt that Portfolio Recovery Associates is trying to collect. Make sure you verify the debt and address any inaccuracies on your credit report to manage the situation effectively.

How Do I Check If I Owe Money To 7022082710

To check if you owe money to 7022082710, you should first review your records. Go through your past bills, account statements, and any equipment return receipts. This helps you see if there might be any outstanding debts.

Next, you can check your credit report for any debts listed under your name from 7022082710. This can show if there are any collection efforts against you. If a debt related to 7022082710 appears, request debt validation. Ask the collection agency to provide proof that the debt is yours and the amount is accurate. They are obliged to give you this information.

If you're facing harassment over disputed debts, consulting a consumer protection lawyer could be beneficial. They help you deal with debt collectors appropriately and protect your rights.

Lastly, remember not to contact the debt collector directly as this could restart the statute of limitations on old debts. Instead, gather as much documentation as possible before taking any steps.

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

Which Debt Collection Laws And Regulations Protect Me From 7022082710

To protect yourself from calls from 7022082710, you have several key laws and regulations on your side.

First, the Fair Debt Collection Practices Act (FDCPA) prevents third-party debt collectors from using abusive or unfair practices. They can't call you before 8 AM or after 9 PM, use obscene language, make threats, or call repeatedly to harass. They must provide a written notice with the debt details, and if you dispute it within 30 days, they must verify the debt before continuing collections. Additionally, you can demand they stop all contact by sending a written request.

Many states have their own debt collection laws that offer extra protections, such as strict licensing requirements for debt collectors. You should check your state's specific laws to understand all your rights.

Regulation F, issued by the Consumer Financial Protection Bureau (CFPB), gives further guidelines under the FDCPA. It limits how often you can be called and specifies permissible call times.

You can report violations to the Federal Trade Commission (FTC), Consumer Financial Protection Bureau (CFPB), or your state's attorney general. These steps help you handle calls from numbers like 7022082710 effectively.

Finally, by knowing your rights under these protections, you can confidently manage and respond to unwanted debt collection calls.

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 7022082710/Portfolio Recovery Associates Have Any Lawsuits Against Them

Lawsuits Against Portfolio Recovery Associates

If you're wondering whether Portfolio Recovery Associates, including their phone number 7022082710, have any lawsuits against them, the answer is yes. Here are specific cases:

- Case 900,413: Dismissed, no money paid to Portfolio Recovery.
- Case JC1100809G: Dismissed, no money paid to Portfolio Recovery.
- Case 02-JC-11-00259: Dismissed, no money paid to Portfolio Recovery.
- Case 62710: Dismissed, no money paid to Portfolio Recovery.
- Case 986,262: Dismissed, no money paid to Portfolio Recovery.

Complaints About Portfolio Recovery Associates

You should also know that there are numerous complaints about Portfolio Recovery Associates, primarily focusing on their aggressive debt collection practices. Additionally, they have faced several enforcement actions from government regulators for violating debt collection regulations.

In closing, if you're dealing with Portfolio Recovery Associates or their number 7022082710, it’s clear they have a history of lawsuits and complaints, primarily related to aggressive collection tactics. Stay informed and take the necessary steps to protect your interests.

What Do People Online Say About 7022082710

People online have various opinions about the phone number 702-208-2710. Here's what some have shared:

- You might notice @debtfreedude on Reddit saying, 'This number keeps calling me about an old debt. It's Portfolio Recovery Associates.'
- Another Reddit user named @annoyed123 mentioned, 'They call every day, super annoying. Haven't even left a voicemail.'
- You could also see @moneymatters who commented, 'I googled the number, and it's definitely a debt collector.'

Based on these observations, 702-208-2710 is linked to debt collection calls from Portfolio Recovery Associates. People often find these calls frequent and bothersome, with concerns about old debts.

Overall, users report that 702-208-2710 is associated with annoying debt collection calls from Portfolio Recovery Associates, primarily about old debts.

Do I Really Need To Remove 7022082710 From My Credit Report

Yes, you should remove 7022082710 from your credit report if it's there and potentially inaccurate. First, verify that the debt is legitimate and actually belongs to you. Contact the collection agency and ask them to validate the debt to confirm there's no mistake. If you find any errors, you need to dispute them through the credit bureaus.

Handling disputes on your own can be time-consuming and requires gathering evidence, sending certified letters, and waiting for responses. We advise you to consider a reputable credit repair company to manage this process efficiently. While many typical credit repair companies have poor ratings and deceptive practices, a quality one like The Credit Pros can make a significant difference.

It’s crucial that you act promptly to protect your credit score and future financial opportunities.

As a final point - ensure you take these steps to safeguard your credit: verify the debt, dispute any inaccuracies, and consider professional help if needed. Your financial future depends on it!

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

Here are other formats 7022082710 can be written

- +1 702-208-2710
- +1 (702) 208-2710
- +1 702 208 2710
- (702) 208-2710
- 702-208-2710
- 702.208.2710
- 702 208 2710
- +17022082710
- (702) 208-2710
- 702.208.2710
- 7022082710

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.