Who is 8008600644 and why are they calling me?

If you receive a call from 800-860-0644, it comes from Portfolio Recovery Associates, a debt collection agency. While they are legitimate, you should proceed with caution before engaging with the caller. Here’s what we advise you to do:

1. Check Your Credit Report: You should pull your credit report from the three major bureaus to verify if Portfolio Recovery Associates lists a debt under your name.
2. Verify Any Debt: If you find a debt listed, contact The Credit Pros for a free evaluation to check for inaccuracies in your credit report.
3. Dispute Inaccurate Items: The Credit Pros can assist you in disputing any potentially inaccurate negative items that could harm your credit score.

Remember, you don't need to pay immediately without verifying the debt. Block the number to reduce stress and focus on clearing up your credit report.

To sum up, always verify the debt through your credit report, dispute inaccuracies with professional help if needed, and block the number to avoid unnecessary stress.

If you're being harassed by phone number 800-860-0644, here's how you can report them and stop the harassment:

First, document everything. Keep a detailed log of every call, noting dates, times, and any abusive language or threats.

Next, register your number at DoNotCall.gov. This helps reduce unwanted calls from legitimate companies.

You should also block the number. Use your phone's call-blocking feature or ask your service provider for help.

File complaints with:

- FCC: If these are robocalls, report them to the FCC at fcc.gov/complaints.
- FTC: Report telemarketing calls or Do Not Call violations at ReportFraud.ftc.gov.
- CFPB: File a complaint online at consumerfinance.gov/complaint or call (855) 411-2372.
Send a cease and desist letter using the template at eforms.com/cease-and-desist.

For legal action, consider getting a restraining order or consulting a harassment lawyer for more guidance.

Use call blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for iPhone.

To wrap things up, by documenting every call, registering on DoNotCall.gov, blocking the number, filing complaints with the FCC, FTC, and CFPB, sending a cease and desist letter, considering legal actions, and using call blocking apps, you can take control and stop the harassment.

You should block 8008600644. Ignoring them won't have any negative consequences, but blocking ensures you don't hear from them again.

If they are debt collectors, blocking or ignoring them is a smart idea, especially if they are potentially harassing you. Your credit score won't drop just because you block and ignore them. If it's already on your credit report, it won't hurt your score further.

Working with a reputable credit repair company can help you remove any potentially inaccurate negative items associated with this number from your report. They can assist in handling disputes and inaccuracies effectively, so consider blocking the number and reaching out to a credit repair service for support.

In the end, blocking 8008600644 and contacting a credit repair service can help you handle any issues and prevent further disturbances.

Yes, a debt collector like 8008600644 can sue you, but it's unlikely. Legal action is usually their last resort, reserved for substantial debts, typically over $5,000. The collector must prove that you owe the debt, the amount is correct, and they have the legal right to collect. This is difficult if the debt has changed hands multiple times. Suing is also costly and time-consuming, so most collectors prefer to settle out of court.

Debt collectors often try other methods, like calls and letters, before considering a lawsuit. They must file within a specific time frame, known as the statute of limitations, which varies by state. If the debt is old, it might be beyond this period.

If they decide to sue, you will receive a court summons and complaint. It's crucial that you respond within the deadline to avoid a default judgment, which could lead to wage garnishment or bank account levies. Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA) that protect you from abusive practices. If you receive a lawsuit, consider consulting an attorney to understand your options.

As a final point, if a debt collector like 8008600644 sues you, it's essential to respond promptly, understand your rights, and consider legal advice to navigate the situation effectively.

If you're getting calls from 800-860-0644, don't answer. This number belongs to Asset Acceptance, a known debt collector. Here's why you should avoid engaging with them:

You might find debt collectors using aggressive tactics to extract information. It's crucial you don't provide any personal details. Answering the call won't improve your situation. Instead, focus on getting your 3-bureau credit report to understand your financial status.

By not picking up, you reduce the risk of harmful interactions or fraud. Once you have your credit report, you should create a plan to improve your credit. Consider contacting a reputable credit repair company like The Credit Pros. They can guide you through correcting discrepancies and boosting your credit score.

Ignoring these calls and blocking the number can help reduce stress and allow you to manage your finances better.

Bringing it all together - Ignore calls from 800-860-0644, secure your credit report, work with a credit repair company, and block the number to maintain peace and improve your financial health.

8008600644 collects various types of debt, including credit card debt, auto loans, and cell phone bills. If your account becomes past due, they might buy the debt from the original creditors and start contacting you.

You should ensure that they provide details about the debt, such as the amount owed and the original creditor's name. Verify any debt before making a payment to avoid scams. If the debt collector doesn’t provide this information initially, they must send you a written notice within five days of their first contact with you.

All things considered, be cautious and always ask for proper documentation to confirm the legitimacy of the debt. This way, you can avoid scams and handle your finances more confidently.

To check if you owe money to 800-860-0644, follow these steps:

First, review your personal records for any final bills, account statements, or equipment return receipts related to the debt. This can help you identify if you're missing any payments or have overlooked a bill.

Next, obtain a copy of your credit report. Look for any entries from Asset Acceptance and note if there's a collection account reported by them. This will give you a clearer picture of your financial obligations.

If you do find a debt on your credit report, request validation from the collections agency by asking for proof that the debt is valid and legally yours. This is a crucial step before making any payments.

If you believe the debt isn't yours or spot any inaccuracies, dispute the item on your credit report. This process can take time, but it's essential in ensuring your credit history is accurate.

If you're facing harassment or have disputes that can't be easily resolved, you might need to consult a consumer protection lawyer. They can provide legal advice and help protect your rights.

Lastly, to prevent restarting the statute of limitations on old debt, avoid direct contact with the debt collector until you're fully prepared to address the debt based on your gathered information.

Debt collection laws and regulations protect you from unfair practices by companies like Asset Acceptance. Here are the key laws and provisions to be aware of:

The Fair Debt Collection Practices Act (FDCPA) is a federal law that stops third-party debt collectors from using abusive, deceptive, or unfair methods. This includes personal, family, and household debts. They can't contact you before 8 AM or after 9 PM, use abusive language, threaten you, repeatedly call to harass you, or disclose your debt to third parties. They must also provide a written validation notice about the debt, including how much you owe and your rights to dispute it. If you dispute the debt within 30 days, they must verify it before resuming collection.

Many states have their own debt collection laws that offer extra protection. For instance, New York has strict licensing requirements for debt collectors. These laws may set specific rules on how debt collectors can contact you, adding to the federal protections.

Regulation F (CFPB) limits how often and how late debt collectors can call you. The "7-in-7" rule restricts a collector from contacting you more than seven times within seven days about a particular debt.

The Telephone Consumer Protection Act (TCPA) restricts how debt collectors can use automated calls and texts to contact you. Violations can lead to hefty fines.

You Have Rights!
- You can ask a debt collector to stop contacting you.
- If they violate these rules, you can sue them within one year for damages.
- Report violations to agencies like the FTC, CFPB, or your state attorney general.

Finally, knowing your rights helps you stand up against unfair debt collection practices. You can consult a consumer protection lawyer to protect yourself further.

Yes, Asset Acceptance has faced several lawsuits.

You might be interested to know that Asset Acceptance had a harassment case where they were accused of calling a plaintiff at inappropriate hours, using vulgar language, and making threats of wage garnishment. In Phillips v. Asset Acceptance, LLC, the company was taken to court for violating the Fair Debt Collection Practices Act (FDCPA) by trying to collect debts beyond the statute of limitations. Another significant case, Hill v. Asset Acceptance, LLC, was a class action lawsuit in California that alleged violations of both the FDCPA and the Rosenthal Fair Debt Collection Practices Act for attempting to collect time-barred debts.

Additionally, there are numerous official complaints against them for:
- Misrepresentation: Multiple instances of falsely claiming debt ownership.
- Unfair Practices: Violations of state and federal laws through deceptive tactics.
- Improper Communication: Contacting consumers at inappropriate times and using abusive language.

If you face similar issues, seeking legal advice could be beneficial.

In closing, Asset Acceptance has faced multiple lawsuits and complaints for harassment, misrepresentation, unfair practices, and improper communication. If you find yourself in a similar situation, it's crucial to consult with legal experts.

People online frequently mention receiving calls from 800-860-0644, often identifying the number with debt collection efforts from Portfolio Recovery. Here's what people are saying on forums and discussion boards:

1. Reddit User 'Guest rslifkin' noted:
- "We have seen calls from Portfolio Recovery daily, multiple times a day, for some weeks."
- "This communication will be with a debt collector and is an attempt to collect a debt."

2. Another user reported a similar experience:
- "The phone rings. Called ID says: '800 Service' 800-860-0644."
- "We have seen calls from Portfolio Recovery daily, multiple times a day, for some weeks."

It's clear from these experiences that calls from this number are persistent and frequent. People often mention Portfolio Recovery and express frustration over the repeated debt collection attempts.

Brief Analysis:
You might feel stressed and annoyed by these continuous calls. It's important to recognize that these communications explicitly aim to collect debt, often causing urgency and pressure.

Overall, if you receive calls from 800-860-0644, you likely deal with a persistent debt collection attempt from Portfolio Recovery, causing frequent disruption and stress.

Yes, you really do need to remove 8008600644 from your credit report if it’s there and potentially inaccurate. Doing this on your own can be incredibly time-consuming and stressful. Instead of tackling it yourself, consider reaching out to a reputable credit repair company, like The Credit Pros. They have the expertise to efficiently remove negative items from your report.

First, confirm that the collection is on your credit report. Then, identify if the information reported is potentially inaccurate. Avoid hiring poorly rated credit repair companies. It’s wise to contact a reputable credit repair service to save time and reduce stress.

As a final point, remember to confirm the collection on your report, identify inaccuracies, and choose a reputable credit repair company to handle it for you efficiently.

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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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