Home / Who is 7204187191 and why are they calling me?

Who is 7204187191 and why are they calling me?

  • Phone number 7204187191 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 1(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 typically calls from 7204187191. Although these calls can be stressful, handle them wisely to avoid bigger issues. Ignoring their calls won't help and might hurt your credit report.

To stop the calls, block 7204187191 through your phone's settings or a call-blocking app. Keep a record of each contact and any abusive language. Also, request your free 3-bureau credit report to check for inaccuracies and confirm the debt. Remember, debt collectors must provide proof of the debt, and you can dispute it within 30 days under the Fair Debt Collection Practices Act (FDCPA).

If you feel overwhelmed, The Credit Pros can assist you. Call us at 720-418-7191 for a no-pressure consultation. We'll evaluate your credit report and manage communications with debt collectors. Don’t let unresolved debt collection issues harm your financial health; let The Credit Pros guide you through the process efficiently.

Who Is 7204187191: Scam Or Legitimate

The number 7204187191 is likely a legitimate debt collection call, but you should proceed with caution. You don't need to engage directly with the caller - it's not worth the risk. You're not obligated to pay right away if you're unsure about the debt. Here's what we advise you to do:

• Block the number to stop unwanted calls from disrupting your day
• Pull your free 3-bureau credit report to check for any issues
• Look for potentially inaccurate negative items on your report
• Let us evaluate your report at no cost to you

If this collector shows up on your credit report, it's probably legitimate. But your next steps are the same either way. We can help you verify any debt, dispute inaccuracies, and improve your financial outlook. At The Credit Pros, we've assisted countless folks dealing with similar calls.

Don't stress - we're here to guide you through this process and boost your credit situation. We understand how overwhelming these calls can be. You're not alone in this, and there are clear steps you can take to regain control.

To wrap things up, remember that you have options. Block the number, check your credit report, and let us help you navigate the next steps. You've got this, and we're here to support you every step of the way.

How Do I Stop 7204187191 From Harassing Me (How To Report Them)

You can stop 7204187191 from harassing you by taking several steps. First, block the number using your phone's built-in features or a call-blocking app. We recommend 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices.

Next, you should document each call you receive. Keep a log of the date, time, and any abusive language used. This information will be crucial if you need to take legal action later.

It's important that you register your number on the Do Not Call List at DoNotCall.gov. This process only takes about two minutes and can help reduce unwanted calls.

You should also report the number to the appropriate authorities:

• File a complaint with the FCC at fcc.gov/complaints if you've received illegal robocalls or your number is being spoofed.
• Report telemarketing calls that ignore the Do Not Call list to the FTC at ReportFraud.ftc.gov or DoNotCall.gov.
• Contact your local or state consumer protection office for additional resources and complaint mechanisms.

If the harassment persists, you might need to consider legal action. You can obtain a restraining order or consult with a harassment lawyer. Remember, phone harassment is illegal under federal and state laws.

You can also send a cease and desist letter using a template from eforms.com/cease-and-desist/. This formal request can sometimes be enough to stop the harassment.

Don't hesitate to reach out to your phone carrier for assistance. They can provide call-blocking tools or set up a "Trap" to trace the call origin. Make sure you document the times and dates of calls if you use this service.

To wrap things up, you have several options to stop 7204187191 from harassing you. Start by blocking the number and documenting the calls, then escalate to reporting and legal action if needed. Remember, you're not alone in this – there are resources and professionals ready to help you regain your peace of mind.

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

Should I Block Or Ignore 7204187191

You should block 7204187191 to stop potential harassment and reduce stress. This number likely belongs to Portfolio Recovery Associates, a debt collection agency. When you block them, you won't hurt your credit score or create new issues.

We recommend you take these steps:

• Block the number on your phone
• Don't engage with their calls or messages
• Work with a reputable credit repair company

When you work with a credit repair company, you get help removing inaccurate items from your report. They'll also handle communications with collectors for you. This protects you and ensures proper handling of any legitimate debts.

Remember, blocking won't make your debts disappear. But it gives you control and peace of mind while you address the situation properly. We understand this can be stressful, but we're here to guide you through this process.

To wrap things up, you should block the number, avoid engaging, and consider professional help. This way, you'll take charge of your financial health and reduce unnecessary stress in your daily life.

Can A Debt Collector Like 7204187191 Sue Me

Yes, debt collectors like 7204187191 can sue you, but it's unlikely. They usually prefer other methods to settle debts before resorting to lawsuits. Here's what you need to know:

You're more likely to face a lawsuit if you owe a substantial amount, typically over $5,000. Before suing, debt collectors 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.

We advise you to keep these points in mind:

• Debt collectors prefer calls and letters over lawsuits because they're less expensive and time-consuming.
• They must provide proof of your debt, which can be difficult if it's been sold multiple times.
• Each state has a statute of limitations for debt collection lawsuits. If your debt is old, it might be past this period.

If a debt collector decides to sue, you'll receive a court summons. It's crucial that you respond to avoid a default judgment, which could lead to wage garnishment or bank account levies. However, this scenario is very unlikely.

You have rights under the Fair Debt Collection Practices Act (FDCPA). This law protects you from abusive or deceptive practices by debt collectors. If you receive a lawsuit, we recommend you consult with an attorney to understand your options and defenses.

To finish up, remember that while debt collectors can sue, it's not their preferred method. You should know your rights, respond to any legal notices, and seek legal advice if needed. We're here to help you navigate this stressful situation with confidence.

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

7204187191 Might Have Your Personal Information

You should be cautious if 7204187191 contacts you, as they might have your personal information. Don't provide any details to this debt collector. It's best if you don't answer their calls, as engaging could give them more information about you and lead to harassment.

We advise you to take these steps:

• Get your 3-bureau credit report
• Create a plan to improve your credit
• Work with a reputable credit repair company

A credit repair company can help you:

• Navigate disputes on your credit report
• Address inaccuracies
• Get personalized advice to boost your credit score

You should block the number to protect your personal information and reduce stress. Stay proactive about your financial health by seeking professional help and staying informed.

To finish up, remember that you have the power to take control of this situation. By following these steps and working with experts, you're setting yourself up for a healthier financial future.

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

Types Of Debt Collected By 7204187191

The types of debt collected by 7204187191 include credit card balances, personal loans, medical bills, and utility payments. You might receive calls about these debts if you have overdue accounts. When this number contacts you, it's likely they've purchased your debt from original creditors like banks or credit unions.

You should know that ignoring these calls won't make them stop. Instead, we advise you to understand your rights under the Fair Debt Collection Practices Act (FDCPA). This knowledge empowers you to manage communications and disputes with debt collectors effectively.

Here's what you can do to handle calls from 7204187191:

• Verify the debt: Ask for written proof before agreeing to pay anything.
• Know your rights: Familiarize yourself with the FDCPA to protect against unfair practices.
• Consider negotiation: You might be able to settle for less than the full amount owed.

Remember, you have options when dealing with debt collectors. If you're unsure about a debt's validity, don't hesitate to request verification. It's crucial that you address any inaccuracies on your credit report promptly.

To wrap things up, you should approach these calls with confidence. By understanding your rights and taking proactive steps, you can effectively manage your debt situation and work towards financial stability.

How Do I Check If I Owe Money To 7204187191

To check if you owe money to 7204187191, you should follow these steps:

First, don't call the number directly. We advise you to avoid this as it might restart the statute of limitations on old debts. Instead, start by reviewing your own records. Look through your papers for any final bills, account statements, or equipment return receipts that might be related to this debt.

Next, you should get your credit report. It's free, and you can easily check if this debt is listed there. If you find the debt on your report, your next step is to request debt validation. You should ask the collections agency to prove that you actually owe this money.

We understand this situation can be stressful. Here are some additional steps you can take:

• Block the number to stop any harassment
• Keep a record of all communications about the debt
• Consider seeking help from a credit counseling service

If you're facing harassment over disputed debts, it's a good idea to talk to a consumer protection lawyer. They can guide you through your rights and options.

To finish up, remember that you shouldn't pay anything without verifying the debt first. Gather all your documentation from your records and credit reports before you reach out to anyone. This approach will help you avoid issues with inaccurate collection efforts that could impact 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 7204187191

The Fair Debt Collection Practices Act (FDCPA) protects you from abusive practices by debt collectors, including potential communications from 7204187191. You are safeguarded against deceptive, unfair, or abusive tactics. Debt collectors can't contact you before 8 AM or after 9 PM, use obscene language, threaten violence, or repeatedly call to annoy you. They must identify themselves and provide a mini Miranda statement.

You may have additional protections under state laws. For example, if you're in New York, debt collectors face strict licensing requirements. They can't contact you at work if your employer prohibits such calls, nor can they disclose your debt to others.

If you believe the debt isn't yours or contains errors, you have the right to dispute it within 30 days of receiving a validation notice. The collector must then verify the debt and pause collection until they provide documentation.

You can request the debt collector to stop contacting you entirely, except to inform you of specific actions they plan to take. If a collector violates these laws, you can report them to the Consumer Financial Protection Bureau (CFPB) or your state attorney general. You also have the right to sue for FDCPA violations within one year, potentially recovering damages and legal costs.

To finish up, remember you have strong legal protections against unfair debt collection practices. Don't hesitate to assert your rights if you feel they're being violated by 7204187191 or any other debt collector.

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 7204187191/Portfolio Recovery Associates Have Any Lawsuits Against Them

Yes, Portfolio Recovery Associates (PRA) has faced multiple lawsuits due to their debt collection practices. You should be aware of the following legal actions against them:

• In 2015, the Consumer Financial Protection Bureau (CFPB) ordered PRA to pay over $27 million for deceptive practices, including collecting unsubstantiated debts and using misleading affidavits.

• The CFPB filed another complaint in March 2023, resulting in PRA being ordered to pay more than $24 million for violating the 2015 order and continuing illegal debt collection practices.

• The CFPB has alleged that PRA collected on unsubstantiated debt, filed lawsuits without proper documentation, and failed to resolve consumer disputes promptly.

You should know that PRA has been accused of failing to investigate consumer disputes adequately and maintain accurate information with credit reporting agencies. These legal issues and consumer complaints highlight a pattern of problematic debt collection practices.

To wrap things up, you need to be cautious when dealing with PRA. If you're contacted by them, it's crucial that you verify any debt they claim you owe and understand your rights as a consumer. Remember, you have the power to dispute inaccurate information and seek legal advice if needed.

What Do People Online Say About 7204187191

Here's what you should know about calls from 720-418-7191:

You're likely receiving frequent, bothersome calls from this number. Many people online report similar experiences. It's important for you to understand that this number belongs to Portfolio Recovery Associates, a debt collection agency.

If you're getting calls from them, here's what we advise you to do:

• Block the number on your phone to stop the constant interruptions.
• Don't answer if you accidentally pick up. They're probably looking for someone else.
• If you do owe a debt, verify it before paying anything.

We know these calls can be stressful. Remember, you have rights when it comes to debt collection. If they're harassing you, you can report them to the Federal Trade Commission.

To finish up, you should take action to protect your peace of mind. Block the number, verify any claimed debts, and don't hesitate to report harassment. We're here to help if you need more guidance on handling this situation.

Do I Really Need To Remove 7204187191 From My Credit Report

Yes, you really need to remove 7204187191 from your credit report if it's potentially inaccurate. Don't waste your time trying to dispute it yourself - it's time-consuming and draining. We recommend that you work with a reputable credit repair company like The Credit Pros instead. We can help you tackle this issue efficiently.

You should be cautious of most credit repair companies, as they're often scams. Avoid the typical ones with poor ratings. A good company, though rare, can make a huge difference in removing inaccurate negative items for you.

Here's what we advise you to do:

• Confirm that the collection is actually on your report
• Check if it's potentially inaccurate
• Skip DIY disputing - it's a hassle for you
• Reach out to us at The Credit Pros for expert help

We understand that dealing with collections is stressful for you. Let us handle the heavy lifting so you can focus on improving your financial health. With our help, you'll have a better shot at getting that potentially inaccurate item removed from your report.

To finish up, remember that you don't have to face this challenge alone. We're here to guide you through the process of removing 7204187191 from your credit report, giving you peace of mind and a clearer financial future.

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

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