Who is 7133540191 (+ how are they hurting my credit score)

Who is 7133540191: Scam or Legitimate

The number 7133540191 is believed to be associated with Portfolio Recovery Associates, a debt collection agency. However, it could also be a scam.

You shouldn't engage directly with the caller, whether the call is legitimate or not. Avoid making any immediate payments, especially if you're unsure about the debt. Pull your credit report to check for any inaccuracies or negative items.

We advise you to contact The Credit Pros. We can help you verify any debt and dispute potentially inaccurate items.

If you suspect scam tactics, such as demands for personal information or immediate payments, you should be cautious. Block the number and consider working with us to protect your financial health.

To sum up, it’s best not to engage with calls from 7133540191. Avoid immediate payments, pull your credit report, and contact The Credit Pros for assistance. Stay cautious, block the number, and protect your financial health.

Dealing with harassment from 713-354-0191 can be extremely stressful. Here’s how you can stop it and report them:

1. Document Unwanted Interactions: Keep a log with dates, times, and details of any abusive language used.
2. Do Not Call Registry: Register your number at DoNotCall.gov and block the number through your phone settings or by contacting your service provider.
3. Escalate If Needed:
- If threats are involved, consider getting a restraining order through your local court.
- Hiring a harassment lawyer can help since harassment violates both Federal and State laws.
- Send a cease and desist letter using a template from eforms.com.

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

5. Federal Communications Commission (FCC): File a complaint for illegal robocalls or unwanted calls at fcc.gov/complaints.
6. Federal Trade Commission (FTC): Report telemarketing calls or Do Not Call Registry violations at ReportFraud.ftc.gov.
7. Consumer Financial Protection Bureau (CFPB): Document all interactions and submit a complaint online at consumerfinance.gov/complaint or call (855) 411-2372.
8. Nomorobo: Report unwanted robocalls through Nomorobo if you use their service.
9. Phone Carrier: Contact your phone carrier about call-blocking tools and options.
10. Local or State Consumer Protection Office: Check for additional resources through your local or state consumer protection offices.

To wrap things up, dealing with harassment from 713-354-0191 involves documenting interactions, using tools like the Do Not Call Registry, blocking the number, escalating as needed, and leveraging resources from the FCC, FTC, and CFPB. This approach empowers you to manage and report harassment effectively.

You should block 713-354-0191. This number is often associated with debt collectors, possibly Portfolio Recovery Associates. By blocking them, you won't get notified, and you'll stop receiving their annoying calls and messages. If they're harassing you, blocking them will give you peace and quiet.

Ignoring them might result in continuous calls that can disrupt your day. Blocking ensures a cleaner solution without impacting your credit score, as blocking the number has no effect on that.

If you face any debt-related issues, you should reach out to a reputable credit repair company. They can help you sort out inaccuracies on your credit report, giving you more control over your financial health.

In the end, blocking 713-354-0191 helps you avoid stress and focus on addressing any credit problems with the help of professionals.

Yes, a debt collector like 7133540191 can sue you, but it's unlikely. They usually turn to lawsuits as a last resort, particularly if you owe a substantial amount, typically over $5,000. Here's what you need to know:

First, they must prove you owe the debt, the amount is correct, and they have the legal right to sue. This can be challenging, especially if the debt has changed hands multiple times.

Suing is expensive and time-consuming, so most debt collectors prefer to settle out of court. They may try calls and letters first. You also need to consider the statute of limitations in your state. If the debt is old, it might be beyond this period, making a lawsuit less likely.

If they decide to sue, you'll receive a court summons and complaint. You must respond within the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies.

As a final point, it's crucial to know your rights under the Fair Debt Collection Practices Act (FDCPA). If you're sued, consider consulting with an attorney to explore your options and defenses.

First things first, never provide any personal information to debt collectors like 7133540191. You should avoid picking up their calls because they might use various scams to get your details.

Even if you don't pick up, you still need to act. Get your 3-bureau credit report to check for any suspicious activity or accounts opened in your name. This way, you can build a plan to improve your credit.

Working with a reputable credit repair company, like The Credit Pros, can be a smart move. They guide you in disputing errors and help you work towards a healthier credit score. Reputable companies offer expertise, protect your rights, and save you from frustrating debt collectors.

So, in summary:
- Don't engage with debt collectors like 7133540191.
- Get your 3-bureau credit report.
- Consider working with a reputable credit repair company for the best results.

Bringing it all together - Stay proactive and informed to protect your personal information and improve your credit standing.

The types of debt collected by 7133540191 include medical bills, utility balances, retail purchases, and apartment fees. They also handle unpaid credit card debts and personal loans.

You might find yourself dealing with overdue hospital or clinic bills, or perhaps unpaid balances for electricity, water, or gas services. If you have unsettled amounts from store purchases or overdue rent, you're on their radar.

Moreover, they often pursue unpaid credit card debts and personal loans, covering a broad spectrum of financial obligations from varied creditors.

All things considered, whether it's medical bills, utility services, retail purchases, or apartment fees, you should stay informed and proactive about the types of debt collected by 7133540191.

To check if you owe money to 7133540191, you should follow these steps to avoid potential issues.

First, do not contact the number directly. If you do, it can reset the statute of limitations on any potential debt.

Next, check your own records thoroughly. Look through final bills, account statements, and equipment return receipts.

You should also get your credit report. Reviewing this can help you identify any entries linked to this number.

If you find a debt related to this number on your credit report, request debt validation from the collections agency. This step is crucial to ensure the legitimacy of the debt.

Lastly, seek legal advice. If you face harassment over disputed debts, consulting a consumer protection lawyer is important.

Lastly, remember to avoid direct contact, review your records, check your credit report, and seek legal advice to handle this situation carefully.

Debt collection laws protect you from unfair practices by companies like Portfolio Recovery Associates. Here's what you should know about the regulations that safeguard your rights:

1. Fair Debt Collection Practices Act (FDCPA):
- Prevents abusive practices: Collectors can't use threats or harassment.
- Sets contact limits: No calls before 8 AM or after 9 PM, and not at work if your employer forbids it.
- Requires validation notice: Collectors must send a written notice about the debt, including your rights to dispute it.
- Stops false representation: They can't pretend to be attorneys or government officials.

2. State Debt Collection Laws:
- Adds protection: Many states have extra rules, like requiring debt collectors to be licensed.

3. Telephone Consumer Protection Act (TCPA):
- Controls robo-calls: No auto-dialer calls without your consent. Violations can result in fines of $500-$1,500 per call.

You have the right to:
- Stop contact: Send a written request to cease communication.
- Dispute the debt: Write within 30 days to force the collector to verify the debt.
- Take legal action: Sue for FDCPA violations and report abuses to the FTC, CFPB, or your state attorney general.
- Use an attorney: Make sure the collector only talks to your lawyer if you have one.

Finally, it's crucial that you know and exercise these rights to protect yourself from unfair debt collection practices.

Portfolio Recovery Associates has faced multiple lawsuits and complaints regarding their debt collection practices, impacting many consumers like you.

Lawsuits include a notable case in 2015 where the CFPB found Portfolio Recovery Associates guilty of collecting unsubstantiated debt and taking legal action without proper documentation. This resulted in over $27 million in consumer refunds and penalties. In 2023, the CFPB again targeted them for continued breaches, leading to another $24 million in penalties.

Additionally, they settled a TCPA class action lawsuit due to claims of autodialed calls to consumer cell phones without consent, covering calls between 2006 and 2013. This was also aimed at minimizing further litigation costs.

Official complaints filed with the CFPB in 2023 highlighted issues like failing to resolve consumer disputes about credit reporting, leading to more legal and financial penalties.

If you experience issues with Portfolio Recovery Associates, document everything and seek legal advice immediately.

In closing, Portfolio Recovery Associates has a track record of lawsuits and official complaints against them for improper debt collection practices. If you're affected, ensure you document your interactions and seek legal guidance to protect your rights.

Here's what you should know about 713-354-0191:

People online say this number belongs to Portfolio Recovery Associates, a debt collection agency. You might have heard messages from individuals like Denise Crowley or Lydia, mentioning a callback number (877-803-0025) or a website (P-R-A-W-A-Y.com).

Many users report frustration, labeling the calls as spam or scams. Some have voiced extreme hostility towards the company, while others simply identify it as a debt collector.

Overall, you should be cautious if you receive a call from 713-354-0191. People online generally view it as unwanted or deceptive.

Yes, you should consider removing 7133540191 from your credit report if it’s there and you've identified it as potentially inaccurate. It's best that you avoid hiring typical credit repair companies, as many have poor reputations and might not be effective. Disputing it on your own requires significant time and effort. We advise you to reach out to a reputable credit repair company like The Credit Pros to handle this for you, saving both your time and ensuring a higher chance of success. If this debt from Portfolio Recovery Associates is wrong or not yours, disputing it through a reliable service can make a big difference.

Confirm the collection’s presence on your credit report and check if it's potentially inaccurate. Instead of hiring just any credit repair company, choose a reputable one like The Credit Pros.

Removing wrong items can significantly improve your credit score and financial opportunities.

As a final point – ensuring you remove any inaccuracies such as 7133540191 from your credit report can boost your credit score, so consider confirming inaccuracies and working with a trustworthy credit repair service for the best results.

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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