Home / Who is 8003170023 and why are they calling me?

Who is 8003170023 and why are they calling me?

  • Phone number 8003170023 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

If you've been getting calls from 8003170023, you're probably dealing with Portfolio Recovery Associates, a debt collection agency. This could be a real debt collection attempt or a scam that's harming your credit score. You need to handle this situation quickly to protect your finances.

Portfolio Recovery Associates may have bought an outstanding debt of yours. They're likely trying to collect it by calling you repeatedly, sometimes using intermediary companies. Blocking or ignoring the calls might give temporary relief but doesn’t solve the issue. Tackling this head-on is essential to stop the harassment and protect your credit score.

Call The Credit Pros for a no-pressure chat about your situation. We’ll review your entire 3-bureau credit report to check if this is a legitimate debt collector and identify any other negative items affecting your score. We've helped many people in similar situations remove potentially inaccurate items, boosting their credit scores and improving their financial security. Don’t wait—your financial well-being is too important to risk!

Who Is 8003170023: Scam Or Legitimate?

The number 800-317-0023 is associated with Portfolio Recovery Associates, a debt collection agency. However, this doesn't rule out the possibility of a scam. It's important that you don't engage with the caller directly, regardless of whether the call is legitimate or not. Here’s what you should do to protect yourself:

- Check your credit report from the three major credit bureaus to identify any inaccuracies or negative items affecting your score.
- If Portfolio Recovery Associates appears as a collection item, the call might be legitimate, but you still shouldn't respond directly.
- Contact us at The Credit Pros for a free 3-bureau credit report evaluation to verify any debt claims from this collector.

We can assist you in disputing any potentially inaccurate negative items and improving your financial situation.

To sum up, avoid engaging with the caller, verify any debts through your credit report, and consult with The Credit Pros to ensure your financial health.

How Do I Stop 8003170023 From Harassing Me (How To Report Them)?

To stop 8003170023 from harassing you, here's what we advise you to do:

First, you should document all interactions. Keep a log of calls, including dates, times, and any abusive language used. This can be essential if you need to escalate your complaint.

Next, register your number with the Do Not Call Registry. Blocking the number using your phone’s call-blocking feature or contacting your service provider for assistance is also a good idea.

You can also use call-blocking apps to help manage unwanted calls:
- For Android: Try 'Call Blocker - Stop spam calls'.
- For Apple: Use 'Robokiller: Spam Call Blocker'.

File complaints with the Federal Communications Commission (FCC) by reporting illegal robocalls or spoofed numbers at fcc.gov/complaints and with the Federal Trade Commission (FTC) for violations of the Do Not Call Registry at ReportFraud.ftc.gov.

If calls persist, consider sending a cease-and-desist letter. You can find a template at eforms.com. If necessary, seek legal help from a harassment lawyer. Finally, you can contact the Consumer Financial Protection Bureau (CFPB) by submitting a complaint online at consumerfinance.gov/complaint or calling (855) 411-2372.

To wrap things up, you can protect yourself from 8003170023 by documenting calls, registering with the Do Not Call Registry, blocking the number, using call-blocking apps, and filing complaints with the FCC and FTC. If needed, send a cease-and-desist letter or seek legal help. Stay empowered!

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

Should I Block Or Ignore 8003170023?

You should block the number 800-317-0023 to prevent further disturbances. If Portfolio Recovery Associates is calling about a debt, blocking the number won't harm your credit score. Ignoring calls might not stop them, as auto-dialers recognize active numbers. Blocking is smart, especially if you feel harassed.

We recommend working with a reputable credit repair company to address inaccuracies on your credit report. Handling these issues through proper channels is vital. Blocking these calls won’t affect your score more than the actual debt itself.

In the end, you should block 800-317-0023, connect with a credit repair company, and tackle any credit report issues to resolve the problem effectively.

Can A Debt Collector Like 8003170023 Sue Me?

Yes, a debt collector like 8003170023 can sue you, though it is unlikely. Debt collectors usually try to resolve the issue with calls and letters first. A lawsuit is a last resort, especially if you owe a significant amount, typically over $5,000. The debt collector must prove you owe the debt, the amount is accurate, and that they have the legal right to sue you, which can be challenging if the debt has changed hands multiple times.

If a debt collector sues you, you will receive a court summons and complaint. Make sure you respond within the specified deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies. Remember, each state has a statute of limitations that limits the time frame within which a debt collector can sue you. If your debt is old, it might be beyond this period.

You have rights under the Fair Debt Collection Practices Act (FDCPA) to protect yourself from abusive practices. If you are sued, consider consulting an attorney to understand your options and defenses. Always take any lawsuit threat seriously and act promptly to protect your rights.

As a final point, if you receive a lawsuit threat, ensure you respond in time, consult an attorney, and remember your rights under the FDCPA to prevent any abusive practices by debt collectors like 8003170023.

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

8003170023 Might Have Your Personal Information

If you've received calls from 8003170023, it’s important to know that this number is associated with Portfolio Recovery Associates, a debt collection agency. Here's what you should do:

1. Don't provide any information: When you get a call from this number, don't give any personal details. Debt collectors might use your information against you.
2. Avoid answering the calls: It’s better not to pick up when this number calls. Answering can lead to more frequent and aggressive contact.
3. Check your credit reports: Regardless of these calls, you should focus on obtaining your 3-bureau credit report. This will help you understand your credit status and identify any inaccuracies.
4. Develop a credit improvement plan: Use the information from your credit reports to build a comprehensive plan to improve your credit score. This might involve paying off debts, disputing errors, or developing better financial habits.
5. Work with a reputable credit repair company: Partnering with a reputable credit repair company can be very beneficial. They have the expertise to handle disputes and inaccuracies on your credit report efficiently.

Bringing it all together - by not engaging when 8003170023 might have your personal information, you can work on improving your credit through checking reports, making a plan, and seeking professional help.

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

Types Of Debt Collected By 8003170023

You might be wondering about 800-317-0023 and the types of debt they collect. They typically handle various kinds, including:

- Personal loans
- Credit card debts
- Medical bills
- Utility bills

You can expect them to collect debts for different creditors such as:

- Financial institutions
- Medical service providers
- Utility companies

They generally engage in standard debt recovery processes without representing any specific brand.

All things considered, if you encounter calls from 800-317-0023, you now know they are collecting debts like personal loans, credit card debts, medical bills, and utility bills on behalf of various creditors.

How Do I Check If I Owe Money To 8003170023?

To check if you owe money to 800-317-0023, follow these steps:

First, avoid calling the number directly; this could restart the statute of limitations on old debts. Instead, start by reviewing your records for any final bills, account statements, or equipment return receipts related to the debt. This can help you determine if the debt is legitimate.

Next, obtain a copy of your credit report to verify if PORTFOLIO RECOVERY ASSOCIATES has reported the debt. This report will give you details about the debt's existence and status. If the debt appears, send a written request to the collection agency asking them to validate the debt, as they are legally required to provide detailed information.

You may also want to consult a consumer protection lawyer if you face harassment or have disputed the debt, as they can offer legal advice and assistance.

- Gather all communication and documents related to the debt.
- Use your credit report to see if the debt appears there.
- Send a written request for debt validation to the collection agency.
- Consult a lawyer if necessary.

Lastly, remember to stay proactive and thorough in managing your records to prevent inaccurate collection efforts and ensure your credit remains unaffected.

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

Which Debt Collection Laws And Regulations Protect Me From 8003170023

If you're dealing with debt collectors like 8003170023, several laws and regulations protect you. The Fair Debt Collection Practices Act (FDCPA) is the main law and it prevents debt collectors from using unfair, deceptive, or abusive tactics.

Here's what the FDCPA covers:

- Prohibited Conduct:
- No calls before 8 AM or after 9 PM.
- No contact at work if your employer forbids it.
- No using abusive language or threats.
- No harassment, like repeated calling.
- No false representation, like pretending to be someone else.
- No disclosing your debt to third parties, like friends or colleagues.
- No demanding payments larger than allowed.

- Required Disclosures:
- Collectors must send you a validation notice explaining your debt details and your rights to dispute it.
- If you dispute the debt within 30 days, they must verify it and stop collection until verification.
- They must inform you that any information you provide will be used to collect the debt.

- Your Rights:
- You can tell them in writing to stop contacting you, except for specific reasons.
- If you have an attorney, they must communicate with your attorney instead of you.
- If they break the rules, you can sue them within one year for damages, including up to $1,000 in statutory damages and attorney fees.
- You can report violations to agencies like the FTC, CFPB, or your state attorney general.

Additionally, Regulation F from the CFPB limits how often collectors can contact you and dictates how they communicate.

Finally, if you believe a debt collector has violated these rules, act quickly by seeking legal advice and reporting the issue to protect your rights effectively.

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 8003170023/Portfolio Recovery Associates, Llc Have Any Lawsuits Against Them?

Yes, Portfolio Recovery Associates, LLC has faced multiple lawsuits for their debt collection practices. Here are some key cases and complaints:

- CFPB Complaint (2023): The Consumer Financial Protection Bureau (CFPB) filed a complaint on March 23, 2023. The company was penalized over $24 million for violating a 2015 CFPB order and other laws.
- CFPB Order (2015): In September 2015, the CFPB ordered Portfolio Recovery Associates to pay over $27 million for deceptive debt collection tactics, including collecting unsubstantiated and time-barred debt.
- Consumer Complaints: Thousands of consumers have complained about aggressive and illegal debt collection tactics, often involving harassment, lack of proper documentation, and unfair credit reporting.

In closing, be aware of these lawsuits and complaints against Portfolio Recovery Associates to better understand your rights and know how to protect yourself.

What Do People Online Say About 8003170023?

People online have shared various opinions about the phone number 800-317-0023. Here’s what you need to know:

- User "OllieGator" mentioned: "First, 1-800-317-0023 (with an extension)...just gives a name...no company name."
- User "slowhand" responded: "1-800-317-0023 = Portfolio Recovery Associates."

You might feel confused about calls from this number since it doesn’t immediately reveal a company name. This lack of transparency can lead to frustration and suspicion. However, when "slowhand" identified the number as belonging to Portfolio Recovery Associates, it likely provided clarity for handling such calls.

Overall, if you encounter calls from 800-317-0023, it's essential to know it’s associated with Portfolio Recovery Associates. This helps you understand the context and decide your next steps in addressing these calls.

Do I Really Need To Remove 8003170023 From My Credit Report?

Yes, you really need to consider removing 8003170023 from your credit report, especially if you have confirmed this collection is on your report and identified it as potentially inaccurate.

Handling this issue on your own can be time-consuming and stressful. Instead, we advise you to reach out to a reputable credit repair company. These companies, when trustworthy, can handle the dispute process efficiently and improve your chances of removing the negative items.

- A good credit repair company, like The Credit Pros, can provide effective support.
- They can save you hours of effort.
- They increase your chances of resolving the issue.

As a final point, ensure you address any inaccuracies on your credit report by working with reputable professionals who can navigate the complexities efficiently and save you time.

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

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- +1 800-317-0023
- +1 (800) 317-0023
- +1 800 317 0023
- (800) 317-0023
- 800-317-0023
- 800.317.0023
- 800 317 0023
- +18003170023
- (800) 317-0023
- 800.317.0023
- 8003170023

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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