Who is 8084899138 and why are they calling me?

8084899138 is likely a debt collection number from Portfolio Recovery Associates. We understand these calls can be stressful, but don't worry - we've got your back. Here's what we advise you to do:

• Don't pick up or engage with the caller
• Remember, you're not obligated to pay right away
• Block the number to stop future calls

Your next steps are crucial. You should:

• Pull your credit report as soon as possible
• Look for any suspicious negative items
• Give us a call for a free 3-bureau credit report check

We've helped many folks like you deal with these annoying calls. Even if it's legitimate, responding isn't worth your time. Instead, let's focus on improving your financial health.

If you see Portfolio Recovery on your report, it might be a real call. But don't stress - we can help you verify any debt, challenge questionable negative items, and get your finances back on track.

You're not alone in this. We're here to support you every step of the way. Let's team up and turn this headache into an opportunity to boost your credit score and financial future.

To wrap things up, remember to avoid engaging with the caller, block the number, and check your credit report. We're here to help you navigate this situation and improve your financial standing.

To stop 8084899138 from harassing you and report them, you should follow these steps:

1. Document the Unwanted Interactions
You need to keep a detailed log of all calls, including dates, times, and any abusive language used. This documentation will be crucial if you need to take legal action.

2. Use the Do Not Call Registry
You should register your number at DoNotCall.gov. After registration, you can block the number using your phone's call-blocking feature or contact your service provider for assistance.

3. Send a Cease and Desist Letter
We advise you to use a template from eforms.com/cease-and-desist. Make sure you keep a copy for your records and send it by certified mail with a return receipt.

4. Use Apps to Block Calls
If you have an Android phone, you can use 'Call Blocker - Stop spam calls'. For Apple users, we recommend 'Robokiller: Spam Call Blocker'.

5. Take Escalating Measures
If the harassment continues, you might need to take more serious steps:

• Consider getting a restraining order if calls persist or threats escalate. This legally compels the harassing party to stop contacting you.
• Consult a harassment lawyer to understand your legal options and potentially seek compensation.
• File complaints with relevant authorities:
- Report illegal robocalls or number spoofing to the FCC at fcc.gov/complaints.
- 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 or call (855) 411-2372.

By following these steps, you can effectively stop the harassment and report the offender to the proper authorities. To finish up, remember that you're not alone in this situation. We at The Credit Pros are here to support you through this process and help you regain peace of mind.

You should block 8084899138 to stop unwanted calls from Portfolio Recovery Associates. We advise you to take this step immediately. Don't worry about consequences - blocking won't hurt your credit score or affect your debt situation.

Here's what we recommend you do:

• Block the number right away
• Ignore any future contact attempts
• Work with a reputable credit repair company

By blocking, you're not avoiding legitimate debts. You're protecting yourself from potential harassment. We understand this can be stressful for you. That's why it's smart for you to work with professionals. They'll help you remove inaccurate items from your credit report.

Remember, your score won't drop just because you block them. If it's a valid debt, simply ignoring won't make it disappear. But blocking gives you breathing room to address the issue properly.

We advise you to:

• Block the number now
• Contact a credit repair service
• Let experts handle communication for you

This approach empowers you to take control. It stops those unwanted calls and puts you on the path to improving your credit situation. To finish up, remember that you've got this! By blocking the number and seeking professional help, you're taking smart steps to manage your finances and reduce stress.

Yes, a debt collector like 8084899138 can sue you, but it's usually their last resort. They typically try to recover money through calls and letters first. Here's what you need to know:

You might face a lawsuit if you owe a substantial amount, often over $5,000, and they can prove you owe the debt. However, suing is expensive and time-consuming for collectors, so they prefer to settle out of court.

Each state has a statute of limitations that limits how long they have to sue you. If your debt is old, they might not be able to take legal action. If you do get sued, 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.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). We advise you to:

• Verify the debt's legitimacy before making any payments
• Check if the statute of limitations has expired in your state
• Keep detailed records of all communications with the collector

If you're unsure about your situation, consult with an attorney. They can help you understand your options and protect your rights.

To finish up, remember that while debt collectors can sue, they prefer to avoid it. You should always verify the debt, know your rights, and seek legal advice if needed. We're here to help you navigate this challenging situation with confidence.

If you receive calls from 808-489-9138, they might have your personal information. You should not provide any details to debt collectors like this. It's best that you don't answer calls from unknown numbers to avoid scams and potential misuse of your information. Scammers can manipulate your recorded responses, especially if they trick you into saying "yes."

Instead of engaging with these calls, we advise you to obtain your 3-bureau credit report. This will help you understand your current credit status and identify any issues that need attention. You should create a comprehensive plan to improve your credit.

We recommend that you work with a reputable credit repair company. They have the expertise to handle disputes and inaccuracies on your credit report, ensuring better results and a smoother process. This approach protects you from scams and helps you build a solid financial foundation.

Here's what we advise you to do:

• Don't answer calls from 808-489-9138 or similar numbers.
• Get your 3-bureau credit report.
• Make a plan to improve your credit.
• Find a trustworthy credit repair company to handle disputes.

To finish up, remember that you're in control of your financial future. By taking these steps, you'll protect yourself from potential scams and set yourself on the path to better credit health.

You might be wondering about the types of debt collected by 8084899138. This number belongs to Portfolio Recovery Associates, a company that collects various consumer and commercial debts. They handle:

• Credit card debts
• Personal loans
• Lines of credit
• Business loans
• Accounts receivable
• Motor finance debts
• Asset finance debts

Portfolio Recovery Associates buys these debts from original creditors like banks and financial institutions. However, they don't mention specific brands.

You should be aware that if they're contacting you, it's likely related to one of these debt types. Understanding this can help you identify why they're reaching out to you.

To wrap things up, if you're getting calls from 8084899138, you're probably dealing with a debt collection attempt by Portfolio Recovery Associates. We recommend you review your financial records to see if you have any outstanding debts that match the types we've listed. This way, you'll be better prepared to handle their calls and address any potential issues.

To check if you owe money to 8084899138, you should start by reviewing your personal records. Look for any final bills, account statements, or equipment return receipts that might relate to this debt. Next, you should obtain your credit report and search for any entries connected to this number.

If you find a debt listed, don't contact the number directly. Instead, we advise you to request validation from the collections agency. You can do this by sending them a letter asking them to confirm the debt in writing. This step is crucial because it helps you verify the legitimacy of the debt without accidentally restarting the statute of limitations on old debts.

Should the debt appear inaccurately or if you dispute it, you have the right to challenge these items on your credit report. However, be aware that this process can be time-consuming and may require persistent effort over several months. We recommend you:

• Gather all relevant documentation
• Write a clear dispute letter
• Send it via certified mail
• Follow up regularly with the credit bureaus

If you're facing harassment or persistent issues with this debt, you might want to consider consulting a consumer protection lawyer. They can provide you with personalized advice and help protect your rights.

To finish up, remember that you have the power to address this situation. Start by thoroughly checking your records, validate any claimed debts, and don't hesitate to seek professional help if needed. You've got this!

You're protected from calls from 8084899138 by several debt collection laws and regulations. The Fair Debt Collection Practices Act (FDCPA) is your primary shield. It prohibits debt collectors from using abusive practices, contacting you at inconvenient times, or harassing you with repeated calls.

Under the FDCPA, you have the right to request that collectors stop contacting you. You can do this in writing, and they must comply except to inform you of specific actions like a lawsuit. The law also requires collectors to provide you with a validation notice within five days of their first contact, detailing the debt and your rights.

Regulation F, implemented by the Consumer Financial Protection Bureau (CFPB), further protects you by limiting how often collectors can call. For instance, the "7-in-7" rule restricts the number of times a collector can contact you in a week.

Many states have additional laws to protect you. For example, if you live in New York, debt collectors must be strictly licensed to operate.

If you believe a collector has violated these laws, you have options:

• Report them to the CFPB or Federal Trade Commission (FTC)
• File a complaint with your state attorney general
• Sue the collector within one year of the violation

To finish up, remember that you have strong legal protections against unfair debt collection practices. Don't hesitate to assert your rights if you feel they're being violated. We're here to help you navigate this challenging situation and ensure you're treated fairly.

Yes, Portfolio Recovery Associates (PRA) has faced several lawsuits and complaints. You should be aware of the following major legal actions against them:

• In 2015, the Consumer Financial Protection Bureau (CFPB) ordered PRA to pay over $27 million for deceptive debt collection tactics.
• In 2023, the CFPB fined PRA $24 million for continuing illegal practices and violating consumer protection laws.
• PRA has received multiple complaints from the CFPB for violating the 2015 order by collecting unsubstantiated debt.
• Nearly 4,000 complaints have been filed against PRA with the Better Business Bureau for aggressive practices.

These legal actions highlight PRA's ongoing issues with illegal and deceptive debt collection methods. You should be cautious if you're dealing with PRA and know your rights as a consumer.

If you're contacted by PRA, we recommend that you:

1. Request written verification of the debt before making any payments.
2. Check if the statute of limitations has expired on the debt.
3. Consider seeking legal advice if you feel PRA is violating your rights.

To wrap things up, you should stay informed about PRA's history of lawsuits and be prepared to protect your rights if they contact you about a debt.

You've been receiving calls from 8084899138, and you're not alone. Many people online have shared their experiences with this number, often associating it with debt collection efforts.

Here's what we've gathered from online discussions:

• You might find these calls incredibly annoying and frequent.
• The number is likely linked to Portfolio Recovery Associates, a debt collection agency.
• You're probably not the only one getting these persistent calls.

We understand how frustrating this situation can be for you. Here's what we advise you to do:

1. Don't answer calls from this number if you don't recognize it.
2. If you do pick up, don't provide any personal information.
3. You should consider blocking the number to stop the constant interruptions.

It's crucial that you verify any claimed debts before taking action. You have the right to request debt validation from the collector. If you're unsure about the debt's legitimacy, you should consult a credit repair company or a financial advisor.

To finish up, remember that you're in control of this situation. By taking proactive steps like blocking the number and verifying any claims, you can reduce stress and regain peace of mind. We're here to support you through this process.

You absolutely need to remove 8084899138 from your credit report if it's potentially inaccurate. Don't waste your time trying to dispute it yourself - that's a huge hassle. We recommend you reach out to a reputable credit repair company like The Credit Pros. We can save you hours of effort and maximize your chances of removing this potentially inaccurate negative item.

You should be careful when choosing a credit repair company, as most are scams. However, a good one can make a world of difference for you. We'll handle the tedious process of challenging the item with credit bureaus and collectors, freeing you up to focus on other ways to improve your credit.

Here are some key benefits you'll get by working with us:
• We have expertise in credit laws and dispute procedures
• We can identify the best strategy for your specific situation
• We handle all communication with creditors and bureaus for you
• We follow up persistently to get results

Remember, you have the right to dispute any potentially inaccurate information on your credit report. Let us help you exercise that right effectively and efficiently. To finish up, you should reach out to us today so we can start working on cleaning up your credit report and improving your financial future.

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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