Who is 8173029232 (+ how are they hurting my credit score)

The phone number 817-302-9232 is linked to Portfolio Recovery Associates, a debt collection agency. While this number might be legitimate, you should be cautious before engaging with the caller.

Here's what you should do:
- Do not pay immediately if you have doubts about the debt.
- Pull your credit report to check for any potentially inaccurate or negative items.
- Contact The Credit Pros for a free 3-bureau credit report evaluation.

Whether this call is legitimate or a scam, you should review your credit report thoroughly. If Portfolio Recovery Associates appears as a collection item, the call is likely legit, but you shouldn't respond directly. We can help you verify any debt, dispute inaccuracies, and improve your financial situation.

To sum up - review your credit report, verify any debts, and contact The Credit Pros for assistance to ensure your financial health remains protected.

To stop 817-302-9232 from harassing you and report them, follow these steps:

First, document all unwanted interactions. Keep a detailed log with dates, times, and call or message details. Tell them to stop by sending a cease and desist letter using a template from the Consumer Financial Protection Bureau (CFPB). Keep a copy for your records and send the original via certified mail with a “return receipt.”

Next, register your number at DoNotCall.gov and block the number using your phone's call-blocking feature or by contacting your service provider. File complaints with the FCC at fcc.gov/complaints, FTC at ReportFraud.ftc.gov or DoNotCall.gov, and CFPB at consumerfinance.gov/complaint or by calling (855) 411-2372. Check your local or state consumer protection office for additional resources.

Utilize call-blocking apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for Apple devices for extra protection. If the harassment continues, consider escalating measures such as obtaining a restraining order, hiring a harassment lawyer, or contacting debt protection services like The Debt Defenders by Ciment Law Firm, PLLC.

To wrap things up-keep records, block the number, report to relevant authorities, and consider legal steps if needed to stop the harassment from 817-302-9232.

You should block the number 8173029232. It's a smart move, especially if you’re dealing with a debt collector like Portfolio Recovery Associates. Blocking prevents any further contact, eliminating harassment, and doesn’t affect your credit score.

If you ignore them, you might receive continuous calls that disrupt your day. Blocking also helps you avoid unnecessary stress from unwanted notifications.

However, it is crucial that you address any inaccuracies on your credit report. We advise you work with a reputable credit repair company to handle these issues. Blocking the calls allows you to focus on resolving the problem without distractions.

In the end, block the number to stop harassment, avoid unwanted disruptions, and stay focused on fixing your credit with the help of a trusted repair company.

Yes, a debt collector like 8173029232 can sue you for unpaid debt, but it's very unlikely. Here's why:

• Last Resort: Collectors usually pursue lawsuits as a final step, often when the debt exceeds $5,000, making it worth their time and expense.
• Proof Requirements: They must prove you owe the debt, the amount is correct, and they have the legal right to sue, which can be challenging if the debt has changed hands multiple times.
• Cost and Effort: Lawsuits are expensive and time-consuming. They typically prefer phone calls and letters to recover debts.
• Statute of Limitations: There's a time limit for suing you, varying by state. If the debt is too old, they can't legally sue you.
• Your Rights: The Fair Debt Collection Practices Act (FDCPA) protects you from abusive practices. If sued, you must respond to avoid a default judgment, which could lead to wage garnishment or bank account levies.

If you receive a lawsuit, consider consulting with an attorney to understand your options. Block the number to reduce stress and focus on resolving the issue.

As a final point, remember that debt collectors can sue, but it's rare and usually a last resort. Know your rights, respond if sued, and consider legal advice.

8173029232 might have your personal information, but you shouldn't provide any details to callers like this one. It's important that you don't engage directly. Don't even pick up their calls. Answering won't change what you should do anyway, which is to obtain your 3-bureau credit report and start building a comprehensive plan to improve your credit.

Here's what we advise you to do:

1. Block the number. This reduces stress and interruptions.
2. Contact a reputable credit repair company. They can help you handle inaccuracies or disputes on your credit report.
3. Review and improve your credit. Get your 3-bureau report and create a plan.

Bringing it all together – Block the number, consult a credit repair company, and review your credit to regain control without engaging with these callers.

8173029232 is linked to Portfolio Recovery Associates, a company that buys and collects delinquent debts. You might be dealing with various types of debt collected by them, including credit card debts, medical bills, personal loans, and unpaid utility bills. These debts are typically purchased from original creditors, like banks and credit card companies, after they've failed to collect the amounts owed.

When Portfolio Recovery Associates handles your debt, they generally don’t add extra interest or servicing fees on the unsecured debts they manage. You may even be able to settle your debt for less than the original amount owed. They follow federal and state laws to ensure they treat you fairly in the process.

All things considered, Portfolio Recovery Associates uses 8173029232 to collect different types of debts, including credit cards, medical bills, and personal loans, while adhering to legal collection practices and sometimes offering settlements.

To check if you owe money to 8173029232, you should start by reviewing your own records for any final bills, account statements, or equipment return receipts. Check your credit report for any entries related to this debt. This helps you see if Portfolio Recovery Associates has reported any debt under your name.

Next, if you find a debt on your credit report, send a written request to Portfolio Recovery Associates asking for debt validation. By law, they must provide documentation proving that you owe the debt.

Avoid direct contact with the debt collector to prevent restarting the statute of limitations on old debts. Handle all communications in writing to protect yourself.

Lastly, if you face harassment or disputed debts, consider consulting a consumer protection lawyer for advice. We recommend you gather as much information as possible from your own records and credit report to prevent inaccurate collection efforts and protect your credit.

You are protected by several laws and regulations from debt collectors like 8173029232. The main one is the Fair Debt Collection Practices Act (FDCPA). The FDCPA prevents third-party debt collectors from using abusive, deceptive, or unfair practices. This includes:

• Contacting you before 8 AM or after 9 PM.
• Calling you at work if your employer prohibits such calls.
• Using obscene or abusive language.
• Threatening violence or criminal action.
• Repeatedly calling you to harass you.
• Falsely representing themselves as attorneys or government officials.
• Disclosing your debt to third parties like friends or coworkers.
• Demanding more money than you owe.

Debt collectors must also provide you with a written validation notice about your debt, including the amount owed, the name of the creditor, and your right to dispute it. If you dispute the debt in writing within 30 days, collection efforts must stop until they verify the debt.

Additionally, many states have their own debt collection laws that offer extra consumer protections. For example, New York requires debt collectors to be licensed.

You can demand in writing that a debt collector stop contacting you, or if you have an attorney, the collector must communicate with them. If a debt collector violates the FDCPA, you can sue them within a year for damages. You can also report violations to the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB).

Finally, these laws protect you from unfair debt collection practices and ensure that your rights are respected.

Yes, there are lawsuits and official complaints against Portfolio Recovery Associates.

CFPB vs. Portfolio Recovery Associates (2015) - The company violated the Consumer Financial Protection Act and the Fair Debt Collection Practices Act by engaging in illegal debt collection practices, leading to a 2015 order by the CFPB. They failed to provide required documentation, collected on unsubstantiated and time-barred debts, and pursued lawsuits without proper documentation.

CFPB Action (2023) - Portfolio Recovery Associates was found to have violated the 2015 order repeatedly. They were required to pay over $24 million in penalties and consumer restitution for continued illegal practices like collecting on unverified debts and misleading consumers.

Official Complaints:
• Violations of CFPB Orders - The CFPB highlighted that PRA collected on debts without adequate documentation or disclosure to consumers, continuing practices prohibited by previous regulations.
• Consumer Disputes - PRA failed to properly investigate and resolve consumer disputes about their credit reporting, leading to further regulatory action.

If you’re dealing with PRA, being aware of their legal history and prepared to seek legal advice can be crucial.

In closing, remember there are multiple lawsuits and complaints against Portfolio Recovery Associates, so staying informed and seeking legal advice is important when dealing with them.

People online have shared various experiences about the phone number 817-302-9232. They often mention:

- Silent calls or 'ping calls' with no one on the other end.
- Receiving calls without any voicemail left.
- Frequent calls suspected to be from a robocaller.

These reports suggest that calls from this number might be frustrating and potentially spammy.

Overall, it's clear you should be cautious with calls from 817-302-9232, as many people suspect it to be a spam or robocall source.

Yes, you really need to remove 8173029232 from your credit report if you confirm that it's there and identify it as potentially inaccurate. Addressing this yourself can be very time-consuming and stressful.

Instead, consider reaching out to a reputable credit repair company like The Credit Pros. They can handle this for you efficiently. Be cautious, as many credit repair companies are deceptive and ineffective, so choosing a trustworthy one is crucial.

Key Points to Consider:
• Confirm the collection is on your report and potentially inaccurate.
• Disputing on your own is time-intensive.
• Opt for a reputable credit repair company to handle the dispute efficiently.

You should frequently check your credit reports for accuracy since maintaining a clean credit report is essential for your financial health.

As a final point, remember to verify any inaccuracies on your report and consider using a reliable credit repair service to save time and stress.

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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