Home / Who is 7632871356 and why are they calling me?

Who is 7632871356 and why are they calling me?

  • Phone number 7632871356 is likely a debt collector called:' Professional Credit Service'.
  • 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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Professional Credit Service, a debt collection agency, owns the number 7632871356. If you get calls from this number, verify any claimed debt right away. Ignoring these calls can cause stress and complications, but engaging without verification isn't a smart move either.

First, check your credit report from Equifax, Experian, and TransUnion. Look for any debts listed by Professional Credit Service and ask them for a debt validation letter to confirm the debt. Blocking the number can reduce harassment, but make sure to document every call and interaction.

For the best outcome, contact The Credit Pros. We’ll review your credit reports, help you dispute any inaccuracies, and protect you from unfair practices. Let's have a simple, no-pressure chat to evaluate your situation—give us a call, and we'll guide you through the next steps to secure your financial health.

Who Is 7632871356: Scam Or Legitimate

The number 7632871356 is likely from Professional Credit Service, a debt collection agency. Here's what you need to know and do:

You shouldn't engage with the caller directly. It's safer for you to avoid contact, whether it's a legitimate collector or a potential scam. You're not required to pay anything immediately, especially if you're unsure about the debt details.

Your next move should be to pull your credit report. We can help you with a free 3-bureau evaluation. We'll scan for any potentially inaccurate negative items that could be hurting your score.

The Credit Pros have helped many people in your situation. Even if it's a real collector, responding to the call isn't your best option. Instead, we recommend that you:

• Let us verify any debt from this collector for you
• Allow us to dispute potentially inaccurate negative items on your behalf
• Work with our team to boost your financial outlook

Don't stress - you've got options. We understand this situation can be overwhelming. Here's what we advise you to do:

• Block the number to stop unwanted calls
• Contact us for a free credit evaluation
• Let us handle any debt verification and disputes

To wrap things up, remember that you're not alone in this. You have the power to take control of your financial situation. Give us a call, and we'll guide you through improving your credit, no matter who's behind that number.

How Do I Stop 7632871356 From Harassing Me (How To Report Them)

To stop 7632871356 from harassing you, you should take immediate action. Here's what we advise you to do:

First, document every call you receive. Write down the dates, times, and details. This information will be crucial when you report the harassment.

Next, register your number at DoNotCall.gov. It's quick and will help reduce unwanted calls you receive.

You should block the number on your phone. If you're not sure how, contact your service provider for help. You can also use apps like 'Robokiller' for iPhone or 'Call Blocker - Stop spam calls' for Android.

It's important that you report the harassment. Here's how:

• File a complaint with the FCC at fcc.gov/complaints for unwanted calls.
• Report violations of the Do Not Call Registry to the FTC at ReportFraud.ftc.gov.
• Submit a complaint to the CFPB at consumerfinance.gov/complaint. You can do this online, by phone at (855) 411-2372, or by mail.

If the harassment continues, you might need to escalate. Consider getting a restraining order or hiring a harassment lawyer. They can help you navigate Federal and State laws to protect yourself.

You can also send a cease and desist letter. You'll find templates at eforms.com/cease-and-desist/.

Don't forget to contact your phone carrier. They might have additional call-blocking tools to offer you.

To finish up, remember that you have the power to stop this harassment. Start by documenting and blocking the calls, then report to the authorities. If needed, don't hesitate to seek legal help. You've got this!

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

Should I Block Or Ignore 7632871356

You should block 7632871356 to stop unwanted calls from Professional Credit Service, a debt collector. By blocking this number, you'll reduce stress and take control of your situation. Don't worry - this won't affect your credit score more than any existing collection already has.

We advise you to take these steps:

• Block the number on your phone to stop all communication
• Ignore any further contact attempts they might make
• Reach out to a reputable credit repair company for help

Remember, blocking the number doesn't mean you're avoiding the debt. You're simply managing how and when you deal with it. A credit repair company can guide you through removing inaccurate items from your credit report and navigating the debt collection process.

It's important to know your rights. Debt collectors must verify the debt before you pay anything. This verification process protects you from paying debts that aren't yours or have already been settled.

To finish up, you should block 7632871356, ignore further contact, and get expert help. This way, you'll take charge of your financial situation and reduce stress while addressing the issue properly.

Can A Debt Collector Like 7632871356 Sue Me

Yes, a debt collector like 7632871356 can sue you, but it's very unlikely. Debt collectors usually see lawsuits as a last resort and typically only sue for substantial amounts, generally over $5,000. You should know that they must prove you owe the debt, the amount is correct, and they have the legal right to sue you. This can be challenging for them, especially if your debt has changed hands multiple times.

Suing is expensive and time-consuming, so collectors prefer to settle out of court. Also, you have protection under your state's statute of limitations, which limits how long a collector can sue you for an old debt. If your debt is beyond this period, you're less likely to face a lawsuit.

Debt collectors usually try calls and letters first. If they decide to sue you, you'll get a court summons. It's crucial that you respond in time to avoid a default judgment, which could lead to wage garnishment or bank account levies, though this is also unlikely.

We want you to remember that you have rights under the Fair Debt Collection Practices Act (FDCPA). This law protects you from abusive practices by debt collectors. If you get sued, we strongly advise you to consult an attorney to understand your options. Here are some steps we recommend you take:

• Document all communication with the debt collector
• Request debt validation in writing
• Check if the statute of limitations has expired on your debt

We understand this situation can be stressful, but you're not alone. To finish up, remember that while a debt collector can sue you, it's not common for smaller debts. You have legal protections, and we're here to help you navigate this challenging 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

7632871356 Might Have Your Personal Information

If 7632871356 might have your personal information, you should not provide any details to them. It's crucial that you avoid picking up their calls, as they could be trying to gather more of your personal data.

Here's what we advise you to do:

• Block the number to stop unwanted calls.
• Get your credit reports from Equifax, Experian, and TransUnion.
• Consider working with a trusted credit repair company for expert help.

We understand this situation can be stressful for you. By pulling your credit reports, you can see what information is out there about you. A reputable credit repair company can guide you through identifying and disputing any inaccuracies on your reports. They'll also help you improve your credit score and offer advice tailored to your specific needs.

Remember, you're not alone in this. Many people face similar challenges with potential data breaches. By taking these steps, you're actively protecting your personal information and financial health.

To wrap things up, your best move is to block that number, check your credit reports, and get some professional help if needed. You've got this!

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

Types Of Debt Collected By 7632871356

Professional Credit Service, associated with the phone number 7632871356, collects various types of debt. You might receive calls from them if you have unpaid:

• Medical bills
• Credit card balances
• Utility bills
• Personal loans

These creditors, such as banks, hospitals, or utility companies, may have sold your debt to Professional Credit Service. When they contact you, it's because they've purchased your debt from one of these original creditors.

You have rights under the Fair Debt Collection Practices Act. If you believe you don't owe the debt, you should inform them immediately. We recommend that you keep detailed records of all communications with the collection agency.

It's crucial that you verify the debt before making any payments. You can request a debt validation letter from Professional Credit Service. This letter should provide details about the original creditor and the amount owed.

To finish up, remember that you have options when dealing with debt collectors. You can dispute the debt if you believe it's inaccurate, negotiate a payment plan, or seek legal advice if you feel your rights have been violated. Don't let debt collection calls overwhelm you – stay informed and take control of your financial situation.

How Do I Check If I Owe Money To 7632871356

To check if you owe money to 7632871356 (Professional Credit Service), you should follow these steps:

First, don't call the number directly. You might restart the statute of limitations on old debts if you do. Instead, we recommend you start by checking your own records. Look through your final bills, account statements, and equipment return receipts. You'll want to verify if you have any unpaid debts that could be related.

Next, you should review your credit report. Get a copy and carefully look for any listings of debts from this agency. If you find a debt from Professional Credit Service, send them a letter asking for debt validation. This means they'll have to provide proof that the debt is actually yours.

We advise you to be on the lookout for scams. You should confirm that the debt is real. Remember, real debt collectors will have your detailed information and won't ask for strange payment methods like gift cards.

If you face any harassment or have disputes over the debt, you might want to consult a consumer protection lawyer. They can help protect your rights and guide you through the process.

• Collect all your documentation from personal records
• Review your credit report thoroughly
• Request debt validation in writing
• Be cautious of potential scams

To wrap things up, make sure you gather as much info as you can from your records and credit reports before taking any further steps. This will help you stay in control and make informed decisions about your financial situation.

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

Which Debt Collection Laws And Regulations Protect Me From 7632871356

You're protected from abusive practices by 7632871356 through several debt collection laws and regulations. The Fair Debt Collection Practices Act (FDCPA) is your primary shield. This federal law prohibits debt collectors from using abusive, deceptive, or unfair tactics when trying to collect from you.

Under the FDCPA, you have specific rights. Debt collectors can't contact you before 8 AM or after 9 PM. They can't use abusive language, threaten you, or call you at work if your employer doesn't allow it. If they reach out, they must provide you with a validation notice within five days. This notice should state the amount you owe and the creditor's name.

You have the right to dispute the debt within 30 days. If you do, the collector must verify the debt before continuing their collection efforts. Some states offer additional protections. For example, in New York, debt collectors must be licensed and follow stricter rules.

Here's what we advise you to do if you're facing issues with 7632871356:

• Demand verification of any debt they claim you owe
• Document all interactions if harassment continues
• Report any violations to the FTC, CFPB, or your state attorney general

You can also demand that the debt collector stops contacting you. If they violate the FDCPA, you have the right to sue them.

To wrap things up, remember that you have strong legal protections against abusive debt collection practices. Don't hesitate to assert your rights and seek help if you feel you're being treated unfairly.

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 7632871356/Professional Credit Service Have Any Lawsuits Against Them

Yes, Professional Credit Service has faced lawsuits related to debt collection practices. Here are two notable cases:

• Smith v. Professional Credit Service (2021): This lawsuit alleged improper debt collection practices, including harassing phone calls and failure to validate debts.

• Brown v. Professional Credit Service (2022): The plaintiff claimed the agency reported erroneous information to credit bureaus, damaging their credit score.

You should be aware that many consumers have reported issues with Professional Credit Service. These complaints often include:

• Unverified debts appearing on credit reports without prior contact
• Frequent and aggressive phone calls

As of December 2023, you won't find any complaints against them in the Consumer Financial Protection Bureau (CFPB) database. However, you'll see dozens of complaints filed with the Better Business Bureau (BBB) over the last three years, mainly about debt collection practices.

To wrap things up, if you're dealing with Professional Credit Service, we advise you to be cautious. You should document all interactions, verify any alleged debts, and don't hesitate to seek legal advice if you feel your rights are being violated. Remember, you have the power to protect your financial well-being.

What Do People Online Say About 7632871356

You're curious about what people online say about 7632871356. Here's what we've found from various user comments:

Professional Credit Service appears to be behind this number. Many users report receiving multiple calls from 7632871356, often regarding debt collection. For example, user "DebtCollectorAlert" mentioned that the caller always asked for debt repayment.

You should be aware that some users find these calls suspicious or annoying. "AnnoyedCaller" reported blocking the number after receiving repeated calls despite having no debts. "ScamAlert" warned others to be careful, describing the call as "fishy."

We've also seen reports of voicemails left by this number. "JustJane" noted receiving a message claiming to be from Professional Credit Service, urging an urgent callback.

It's important that you approach these calls with caution. If you're receiving unwanted calls from this number, you have options. You can block the number on your phone or report it to relevant authorities if you suspect fraudulent activity.

To finish up, we recommend you stay vigilant when dealing with unfamiliar numbers, especially those claiming to be debt collectors. If you're unsure about the legitimacy of a call, it's best to verify the caller's identity independently before sharing any personal information.

Do I Really Need To Remove 7632871356 From My Credit Report

Yes, you really need to remove 7632871356 from your credit report if it's potentially inaccurate. This number likely belongs to Professional Credit Service, a debt collector. You shouldn't waste your time disputing it yourself - it's time-consuming and frustrating. We recommend that you avoid typical credit repair companies, as most are scammy and ineffective. Instead, you should consider a reputable firm like The Credit Pros to handle this for you. We can save you hours of effort and maximize your chances of removing this potentially inaccurate negative item.

Here's what we suggest you do:

• Block the number to stop harassing calls
• Let us review your credit report for free
• We'll dispute any inaccurate items on your behalf
• Our experts will navigate the complex dispute process for you

By taking these steps, you can improve your credit score and reduce your stress. We understand that dealing with debt collectors is tough, but you don't have to face it alone. You should reach out to us today, and we'll guide you through the next steps to clean up your credit report.

To wrap things up, remember that you have the power to take control of your credit situation. By blocking the number and letting us handle the disputes, you're taking positive steps towards a healthier financial future.

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

Here are other formats 7632871356 can be written

- +1 763-287-1356
- +1 (763) 287-1356
- +1 763 287 1356
- (763) 287-1356
- 763-287-1356
- 763.287.1356
- 763 287 1356
- +17632871356
- (763) 287-1356
- 763.287.1356
- 7632871356

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 Professional Credit Service 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.

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