Who Is 8184514227 (+ How Are They Hurting My Credit Score)

The phone number 818-451-4227 is linked to Portfolio Recovery Associates, a debt collection agency. However, it could also be a scam. You should not engage with the caller, whether they are legitimate or a scammer.

Here’s what we advise you to do:
- Pull your credit report and check for any inaccurate negative items.
- If you see this brand as a collection item, it might be a legitimate call, but you still shouldn't respond directly.
- Call us at The Credit Pros for a free 3-bureau credit report evaluation.

We can help you verify any debt, dispute inaccurate items, and improve your financial health.

To sum up, whether the call is legit or not, it's crucial that you take steps to protect yourself by blocking the number, checking your credit report, and consulting with a reputable credit repair company.

To stop 8184514227 from harassing you and report them, follow these steps:

First, document every unwanted interaction by writing down the date, time, and details of the calls or messages. Make sure you note any abusive language used.

Next, register your number on the Do Not Call Registry at DoNotCall.gov. This will help reduce telemarketing calls. Use your phone’s call-blocking feature or contact your service provider to block 8184514227.

For escalating measures:
• If the harassment persists, consider obtaining a restraining order through your local court.
• Consult a harassment lawyer who can guide you through federal and state protections.
• Send a cease and desist letter using a template from eforms.com.

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

Also, file complaints with the FCC at fcc.gov/complaints for illegal robocalls, spoofing, or unwanted calls, and with the FTC for telemarketing violations at ReportFraud.ftc.gov or DoNotCall.gov.

Submit a complaint to the CFPB by gathering all the information about the interactions and submitting it online at consumerfinance.gov/complaint, calling (855) 411-2372, or sending a detailed letter to the CFPB at 1700 G Street, NW, Washington, DC 20552.

If you use Nomorobo, report unwanted robocalls directly through their platform. Contact your phone carrier for additional call-blocking tools and options.

Lastly, check with your local or state consumer protection office for more resources or complaint mechanisms.

To wrap things up, remember to document the harassment, block the number, and use available tools and legal avenues to report and stop 8184514227 from harassing you.

You should block the number 818-451-4227. If you ignore them, you might receive continuous calls that disrupt your day. Blocking it ensures you stop the nuisance immediately and enjoy some peace of mind.

If the calls are from debt collectors, blocking them won’t affect your credit score. However, it is crucial that you address any inaccuracies on your credit report. Working with a reputable credit repair company can help remove incorrect negative items from your report.

Here’s what we advise you to do:
• Block the number on your phone.
• Contact a reputable credit repair company.
• Follow their guidance to manage your credit.

In the end, blocking the number and addressing any credit report issues will help you reduce stress and take control of the situation.

Yes, a debt collector like the one calling from 8184514227 can sue you, although it is quite unlikely. They usually consider suing only if the debt amount is significant, typically over $5,000, and if they believe the cost and effort are justified. They must prove you owe the debt and that they have the legal right to sue. Generally, debt collectors prefer to use calls and letters because suing is expensive and time-consuming.

Debt collectors can only sue within a specific timeframe called the statute of limitations, which varies by state. If your debt is older than this period, they cannot sue. If they do decide to sue, you will receive a court summons and complaint. It is crucial that you respond to avoid a default judgment, which could lead to wage garnishment or bank account levies. However, this scenario is still rare.

You have rights under the Fair Debt Collection Practices Act (FDCPA) that protect you from harassment and deceptive practices. If you receive a lawsuit, consult an attorney to understand your options and defenses.

Here are some important steps you can take:
• Ask for proof of the debt.
• Keep records of any communication.
• Dispute the debt if it seems incorrect or not yours.

As a final point - remember, by asking for proof, keeping meticulous records, and disputing if necessary, you can manage the situation more effectively.

If you got a call from 8184514227, it’s best not to pick up. This number is linked to a debt collector, Portfolio Recovery Associates. They might have your personal information, but don’t give them any details over the phone.

What You Should Do:

• Ignore the call. Don't answer when they call to avoid sharing more personal information.

• Check your credit report. Obtain your 3-bureau credit report to get a full picture of your credit status.

• Build a credit plan. Start making a comprehensive plan to improve your credit by disputing errors or managing outstanding debts.

• Work with a reputable credit repair company. They can help you navigate disputes and inaccuracies on your report more effectively.

Bringing it all together - protecting your personal information is crucial. Avoid engaging with unknown callers, check your credit report, create a plan, and consider professional help to safeguard your finances.

The types of debt collected by 8184514227 include various forms of consumer debts such as credit card debt, personal loans, medical bills, utility bills, and other types of unsecured debts. They typically acquire these debts from original creditors such as banks, medical institutions, and utility companies.

If you are contacted by this number, it is important to verify the debt before making any payments to ensure it's legitimate.

All things considered, ensure you verify any debt claims from 8184514227 to protect yourself and handle the situation correctly.

First, don't call the number directly. Look through your records for any final bills, account statements, or equipment return receipts. Check your credit reports to see if there's a mention of the debt. This will help you confirm if you owe any money to 8184514227.

If you see the debt reported, ask the collection agency for debt validation. They must prove that you owe the money. This step ensures the debt is accurate.

If you face harassment over disputed debts, consult a consumer protection lawyer. They can help you understand your rights and offer advice.

Gather as much documentation as possible from your records and credit reports before taking any further steps. This proactive approach can prevent inaccurate claims from affecting your credit.

Lastly, make sure you verify any debt claims thoroughly and consult a legal professional if needed. This ensures you handle the situation correctly and protect your credit.

To protect yourself from debt collection practices by 8184514227, you have various laws and regulations on your side. The Fair Debt Collection Practices Act (FDCPA) is the main federal law that prevents debt collectors from using abusive, deceptive, or unfair tactics. It covers personal, family, and household debts but not business debts. Additionally, many states have extra protections. For example, the Rosenthal Fair Debt Collection Practices Act in California provides similar rules and requires debt collectors to act fairly.

Debt collectors cannot:
- Contact you before 8 AM or after 9 PM.
- Call you at work if your employer forbids it.
- Use abusive or threatening language.
- Disclose your debt to third parties.
- Demand more money than legally allowed.

They must:
- Send a validation notice within five days of contacting you, detailing the amount owed, the creditor's name, and your rights.
- Cease collection if you dispute the debt in writing within 30 days until they provide verification.

You can also demand that collectors stop contacting you by sending a written request. If they violate these rules, you can file complaints with bodies like the CFPB or FTC and potentially sue for damages.

Finally, remember that you have powerful laws protecting you from unfair practices. Assert your rights and take action if you need to.

Yes, Portfolio Recovery Associates (PRA) has several lawsuits and complaints against them.

Lawsuits:

1. Consumer Financial Protection Bureau (CFPB) Lawsuit (2015):
- PRA violated the Consumer Financial Protection Act and the Fair Debt Collection Practices Act by misleading consumers and collecting unsubstantiated debts. They paid over $24 million in relief and penalties.

2. TCPA Class Action Lawsuit:
- PRA made autodialed calls to consumer cell phones without consent from 2006 to 2013, violating the Telephone Consumer Protection Act (TCPA). They settled to avoid further litigation costs.

3. Recent CFPB Action (2023):
- Another CFPB action in 2023 accused PRA of continued illegal practices, like collecting on time-barred debt without proper documentation. The court approved a settlement requiring PRA to follow stricter guidelines and pay penalties.

Complaints:

1. Consumer Financial Protection Bureau (CFPB) Complaints:
- PRA repeatedly violated the law, including collecting unsubstantiated debt, suing without documentation, and failing to resolve disputes properly as per Fair Credit Reporting Act (FCRA) regulations.

2. Better Business Bureau (BBB) Complaints:
- Consumers frequently report PRA for using aggressive, misleading, and unethical debt collection practices, violating the Fair Debt Collection Practices Act (FDCPA).

3. General Consumer Feedback:
- Many consumers highlight PRA's use of false or misleading information and failure to investigate disputes accurately.

In closing, PRA has a history of lawsuits and complaints regarding their debt collection practices. If you deal with them, stay vigilant and report any illegal activities to regulatory bodies.

People online have been discussing the phone number 818-451-4227, and it's mostly associated with spam calls or debt collection. Here are some insights from Reddit users:

1. User sierra-hawkins shared, 'Spam collection agency. Spam asking for money.'
2. User Denise Crowley mentioned, 'This is Denise Crowley with a message from Portfolio Recovery Associates. This is a call from my debt collector. Please call 877-803-0025 or visit us at PAWAY.com.'

It seems that this number is likely linked to Portfolio Recovery Associates, a company known for debt collection. If you've been receiving calls from 818-451-4227, they're probably trying to collect a debt.

Overall, people online say 818-451-4227 is connected to spam or debt collection calls, especially from Portfolio Recovery Associates, so be cautious if you receive a call from this number.

Yes, you really need to remove 8184514227 from your credit report if it's potentially inaccurate. Instead of going through the exhausting process of disputing it on your own, you can save yourself a lot of time and stress by reaching out to a reputable credit repair company. While many companies may not be effective, a good one, like The Credit Pros, can significantly help with removing potentially inaccurate negative items.

Here's what you need to do:
- Confirm that the collection is on your credit report.
- Determine if it's potentially inaccurate.
- Avoid hiring poorly rated credit repair companies.
- Consider reputable alternatives for efficient handling.

We advise you to bypass typical credit repair companies, as many can be deceptive and less effective. Trust a reputable company to handle this efficiently for you.

As a final point, make sure you confirm the collection, identify any inaccuracies, and rely on a reputable credit repair company to manage the process effectively.

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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