Home / Who Is 8182000161 (+ How Are They Hurting My Credit Score)

Who Is 8182000161 (+ How Are They Hurting My Credit Score)

  • Phone number 8182000161 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

The persistent calls from 818-200-0161 likely come from Portfolio Recovery Associates, a well-known debt collection agency. Beware though, it could also be a scam. Either way, these calls cause you unnecessary stress and can harm your credit score. To find out more, keep reading.

If Portfolio Recovery Associates is calling, they’ve probably bought an outstanding debt of yours and now want to collect it. While blocking or ignoring the calls might give you some peace and quiet, this doesn't solve the real problem. It only stops the harassment temporarily without addressing the underlying issue.

Call The Credit Pros for the best move you can make. We’ll give you a simple, no-pressure review of your entire credit report across all three bureaus. We’ll determine if this call is from a legitimate debt collector and spot other potential inaccuracies harming your score. Our expertise has helped many remove potentially inaccurate items, boosting their credit scores and improving their financial situations. Say goodbye to those harassing calls and hello to financial peace!

Who Is 8182000161: Scam Or Legitimate

It's likely that 818-200-0161 belongs to Portfolio Recovery Associates, a debt collection agency. However, it could also be a scam. It's crucial that you don't engage directly with the caller and never feel pressured to pay any debt immediately, especially if you have doubts.

Here’s what we advise you to do next:

• Pull your credit report and examine it for any potentially inaccurate negative items.
• If you find this as a collection/negative item, it might be a legitimate call. However, you still don't need to respond directly.
• The Credit Pros can help you verify any debt from this collector, dispute inaccuracies, and improve your credit score.
• Block the number to prevent further stress and distraction.

To sum up - whether the call is legitimate or a scam, take control by checking your credit report, seeking expert help, and blocking the number to ease your mind.

How Do I Stop 8182000161 From Harassing Me (How To Report Them)

If you want to stop 8182000161 from harassing you, here’s what you can do:

1. Document Interactions: Keep a detailed log with dates, times, and contents of calls or messages.

2. Do Not Call Registry:
- Register your number at DoNotCall.gov.
- Block the number on your phone or contact your service provider for assistance.

3. Escalate Measures:
- Restraining Order: Consider obtaining a restraining order if calls persist.
- Harassment Lawyer: Consult a harassment lawyer for your rights and legal steps.
- Cease and Desist Letter: Send a cease and desist letter using a template from eforms.com/cease-and-desist.

4. Apps for Blocking Calls:
- Android: Try 'Call Blocker - Stop spam calls'.
- Apple: Use 'Robokiller: Spam Call Blocker'.

5. File a Complaint with FCC:
- If it’s an illegal robocall or your number is being spoofed, file a complaint at fcc.gov/complaints.

6. Report to FTC:
- Report telemarketing calls or Registry violations at ReportFraud.ftc.gov.
- For general unwanted calls, report at DoNotCall.gov.

7. Contact CFPB:
- Document interactions and submit a complaint at consumerfinance.gov/complaint or call (855) 411-2372.

8. Nomorobo: If you use Nomorobo, report unwanted robocalls directly through their platform.

9. Phone Carrier Assistance: Reach out to your phone carrier about call-blocking tools and options. Some carriers may require a formal complaint with local law enforcement.

10. Local Consumer Protection: Contact local consumer protection offices for additional resources or complaint mechanisms.

To wrap things up – document your interactions, block the number, use apps, report to authorities, and seek legal assistance if necessary to stop and report harassment from 8182000161.

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

Should I Block Or Ignore 8182000161

You should block the number 8182000161. Blocking it stops further disturbances and doesn't affect your credit score. If this number is calling about debt collection and the calls are harassing, it's a smart move to block or ignore them. Handling debt issues through a reputable credit repair company can be more effective. They can help you address inaccuracies on your credit report and provide you with expert assistance. Your credit score won’t drop just from blocking or ignoring these calls.

Here's what we advise you to do:

• Block the Number: This prevents future annoyance and gives you peace of mind.
• Contact a Credit Repair Company: They help resolve any inaccuracies on your credit report.
• Stay Vigilant: Keep an eye out for similar numbers changing the last four digits.

In the end, you take charge by blocking the number 8182000161, contacting a credit repair company, and staying vigilant for similar calls to reduce stress and handle your credit effectively.

Can A Debt Collector Like 8182000161 Sue Me

Yes, a debt collector like 8182000161 can sue you, but it's very unlikely. They usually sue as a last resort, particularly for amounts over $5,000. They need to prove that you owe the debt, the amount is correct, and they have the legal right to sue, especially if the debt has changed hands multiple times.

Suing is costly and time-consuming, so they prefer calls and letters first. Every state has a statute of limitations that limits how long they can legally sue you for a debt. If your debt is old, it might be past this period.

If they do decide to sue, you'll receive a court summons and must respond to avoid a default judgment. This could lead to wage garnishment or bank account levies, though it's rare.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). If you're sued, consult an attorney to explore your options and defenses.

• Debt collectors typically sue for substantial amounts, usually over $5,000.
• They must prove the debt is owed, the amount is correct, and they have the right to sue.
• A lawsuit is a last resort, preceded by calls and letters.

As a final point, it's crucial that you know debt collectors can sue you, but they usually don't unless you owe a lot. Make sure you verify your rights and seek legal advice if needed.

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

8182000161 Might Have Your Personal Information

You should be cautious when dealing with debt collectors associated with 8182000161. Here's what we advise you to do:

1. Avoid Sharing Information: Don't share any of your personal information. Doing so can put you at risk for identity theft or other scams.

2. Don't Pick Up the Call: It's best if you don’t pick up when they call. Interacting with them can make you more vulnerable to harassment and might not resolve the debt issue.

3. Check Your Credit Report: Obtain your 3-bureau credit report to see if there's any fraudulent activity or errors. You should start making a comprehensive plan to improve your credit based on these reports.

4. Work with a Credit Repair Company: Consider partnering with a reputable credit repair company. They can help dispute inaccuracies and guide you through the process of repairing your credit efficiently and effectively.

Bringing it all together, if 8182000161 might have your personal information, protecting yourself is crucial. Avoid sharing details, don't answer their calls, check your credit reports, and consider working with a credit repair company to handle any issues.

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

Types Of Debt Collected By 8182000161

You might be wondering what types of debt are collected by 8182000161. They handle numerous kinds, including credit card debts, personal loans, and bank account debts. Additionally, they might also tackle other common consumer debts.

Often, these debts are sold to the company by creditors who prefer not to pursue collection themselves. Once acquired, the company aims to collect the full amount owed from you.

All things considered, 8182000161 primarily deals with collecting debts like credit card liabilities, personal loans, and bank account debts, making sure they're pursuing every possible avenue to get the owed amounts.

How Do I Check If I Owe Money To 8182000161

To check if you owe money to 8182000161, follow these steps:

First, review your records. Look through old bills, account statements, and any receipts for returned equipment to see if there's any owed amount.

Next, check your credit report. Look for any debts listed under Spectrum or Portfolio Recovery Associates. You can get a free annual report from AnnualCreditReport.com.

If you find any debt, request validation from the collections agency. They must provide proof that the debt is yours and the amount is correct.

If there are errors, you should dispute them. Although you can do this yourself, it might take time.

Consider consulting a consumer protection lawyer if you're facing harassment or need help disputing the debt.

Avoid calling the number directly to prevent restarting the statute of limitations on old debts.

Lastly, by checking your records, reviewing your credit report, validating any debt, and consulting a lawyer if needed, you can handle this situation accurately and confidently.

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

Which Debt Collection Laws And Regulations Protect Me From 8182000161

To protect yourself from debt collection calls like those from 8182000161, you can rely on several laws and regulations, especially the Fair Debt Collection Practices Act (FDCPA). Here's what you need to know:

Debt collectors cannot call you before 8 AM or after 9 PM, or contact you at work if it's prohibited by your employer. They can't use abusive language, make threats, or harass you with repeated calls. They also can't falsely claim to be attorneys or government representatives, or discuss your debt with third parties like friends or neighbors.

Within five days of first contacting you, a debt collector must send you a validation notice detailing the debt amount, the creditor's name, and your rights to dispute the debt. If you dispute it in writing within 30 days, the collector must verify the debt before continuing collections.

You have the right to request that a debt collector stop contacting you, but this request must be in writing. If you have an attorney, the collector must communicate only with them. You can also sue for FDCPA violations within one year, seeking actual damages, statutory damages up to $1,000, and attorney fees. Some states, like New York, also have additional protections requiring debt collectors to be licensed.

If you feel your rights have been violated, you can file complaints with the Federal Trade Commission (FTC), the Consumer Financial Protection Bureau (CFPB), or your state's attorney general to ensure your rights are respected and any abusive practices are addressed.

Finally, protect yourself by knowing your rights, disputing inaccuracies promptly, and not hesitating to take legal action if necessary.

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 8182000161/Portfolio Recovery Associates Have Any Lawsuits Against Them

Yes, Portfolio Recovery Associates (PRA) has multiple lawsuits and complaints against them for their debt collection practices.

1. CFPB 2015 Order: PRA was found to engage in deceptive collection practices and was ordered to pay over $27 million in restitution.
2. CFPB 2023 Action: The Consumer Financial Protection Bureau (CFPB) required PRA to pay over $24 million in restitution and penalties for violating the 2015 order. Violations included collecting on unsubstantiated debt and suing without proper documentation.

• Unsubstantiated Debt Collection: PRA collected debts without necessary documentation and disclosures.
• Disputes about Credit Reporting: PRA failed to properly investigate and resolve consumer disputes.
• Threatening Legal Action: PRA threatened legal action without possessing required documentation.
• Misrepresentation: PRA misrepresented that it would provide necessary documents within thirty days and collected on time-barred debt without required disclosures.
• Violating CFPB Orders: PRA engaged in intimidation, deception, and other illegal debt collection tactics despite previous orders.

In closing, you should be aware that Portfolio Recovery Associates has faced numerous lawsuits and official complaints for unethical debt collection practices.

What Do People Online Say About 8182000161

People online have mostly negative comments about the phone number 818-200-0161, often identifying it as a debt collector.

Here are some quotes from users:

1. User 'portfolio rrecoveryz' mentioned, 'No message was left' on June 16, 2021.
2. An anonymous user shared, 'Interesting stuff, many thanks... THE BEST! !!!!! It shut down the regulars immediately. The new ones....one call and down they go. A true knock punch. Love it.'

This analysis indicates that you might primarily associate this number with unanswered calls, often perceived as spam or robocalls. People express general frustration with the persistent and unwanted communication from this number, highlighting efforts to block these calls.

Overall, people online often identify 818-200-0161 as a nuisance, frequently mentioning unwanted calls and efforts to stop them. The negative comments suggest you might want to block this number to avoid further disturbance.

Do I Really Need To Remove 8182000161 From My Credit Report

Yes, you should remove the entry 8182000161 from your credit report if it is inaccurate. First, confirm it's on your report. Avoid typical credit repair companies-they are often deceptive and poorly rated. Disputing it yourself can be time-consuming. Consider reaching out to a reputable company like The Credit Pros for assistance.

You should:

• Obtain your credit reports from Experian, Equifax, and TransUnion.
• Review the reports for discrepancies or errors.
• Dispute any inaccuracies directly with the credit bureaus or use a reputable credit repair service.

Avoid paying someone to dispute accurate negative information-it’s a common scam. You can dispute inaccuracies for free under your legal rights.

As a final point, make sure to get your credit reports, review them for errors, dispute any inaccuracies, and consider using a reputable service if needed.

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

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- +1 818-200-0161
- +1 (818) 200-0161
- +1 818 200 0161
- (818) 200-0161
- 818-200-0161
- 818.200.0161
- 818 200 0161
- +18182000161
- (818) 200-0161
- 818.200.0161
- 8182000161

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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