Who Is 8326633155 (+ How Are They Hurting My Credit Score)

Updated: July 10, 2024
Call Type: Debt Collector
Spam Risk: Very High
Fact Checked

Phone number 8326633155 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 (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

Portfolio Recovery Associates often uses the number 832-663-3155. If you're getting calls from this number, they probably bought one of your outstanding debts and want to collect it. Ignoring or blocking their calls might stop the annoyance for now, but it won't fix the problem affecting your credit score.

When Portfolio Recovery Associates calls non-stop, it means more than just a nuisance; it indicates a debt collection on your credit report. These agencies often make repeated calls to push you into paying. Blocking the number won't deal with the serious impact on your credit score. Being proactive and getting professional help to verify and dispute the debt is the best approach.

Call The Credit Pros at the provided number for a straightforward chat about your 3-bureau credit report. We offer simple, no-pressure conversations to confirm if this debt is legit and find other inaccuracies that hurt your score. We’ve helped many folks remove these potentially inaccurate items, improving their credit scores and stopping the harassment. Take control of your finances and end the stress of these calls now.

Who Is 8326633155: Scam Or Legitimate

The number 832-663-3155 is linked to Portfolio Recovery Associates, a debt collection agency. Whether the call is legitimate or a scam, you shouldn't engage directly. Instead, pull your credit report and check for any negative items. If you're unsure about a debt, don't pay it right away. We at The Credit Pros can help verify the debt and dispute any inaccuracies. You should block the number and contact us for a free 3-bureau credit report evaluation to ensure your financial situation is accurate and secure.

Here's what we advise you to do:
• Block the number to avoid further calls.
• Pull your credit report and review it for inaccuracies.
• Contact us to help verify the debt and improve your credit score.

To sum up, if you receive a call from 832-663-3155, block the number, review your credit report for inaccuracies, and reach out to us for expert help in managing your financial situation.

How Do I Stop 8326633155 From Harassing Me (How To Report Them)

To stop 832-663-3155 from harassing you and report them, follow these steps:

First, document every unwanted interaction. Keep a detailed log with dates, times, and any abusive language.

Next, register your number on the Do Not Call Registry at DoNotCall.gov. This takes about 2 minutes.

You should also block the number using your phone’s call-blocking feature or by contacting your service provider.

Report the harassment to federal agencies. File a complaint with the FCC at fcc.gov/complaints for illegal robocalls or unwanted calls. For telemarketing calls or Do Not Call Registry violations, report to the FTC at ReportFraud.ftc.gov.

If the calls persist, you might need to escalate the matter:
- Consider getting a restraining order.
- Consult a harassment lawyer if needed.
- Send a cease and desist letter using a template from eforms.com/cease-and-desist.

You can use apps to block these calls. On Android, try 'Call Blocker - Stop spam calls,' and on Apple, use 'Robokiller: Spam Call Blocker.'

Additionally, the Consumer Financial Protection Bureau (CFPB) can help. Document all interactions and submit a complaint at consumerfinance.gov/complaint or call (855) 411-2372.

Utilize services like Nomorobo for reporting robocalls directly through their platform.

Finally, check your phone carrier's call-blocking tools and options to ensure you have maximum protection.

To wrap things up, keep detailed records, register on the Do Not Call Registry, block the number, report it to federal agencies, and use call-blocking tools and apps. By following these steps, you can effectively stop 832-663-3155 from harassing you.

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

Should I Block Or Ignore 8326633155

If you’re wondering whether you should block or ignore 8326633155, we advise you to block it. Here’s why:

- Blocking this number won't harm your credit score or worsen your financial situation.
- If you block calls from debt collectors like Portfolio Recovery Associates, you can avoid persistent and potentially harassing calls.
- Working with a reputable credit repair company to address any inaccuracies in your credit report is more effective than dealing with these calls yourself.
- Blocking the number won’t stop you from resolving legitimate issues; it just prevents unwanted interruptions.

In the end, blocking these calls can reduce your stress and give you the peace of mind to handle any credit issues with professional help.

Can A Debt Collector Like 8326633155 Sue Me

Yes, a debt collector like the one calling from 832-663-3155 can sue you, though it’s very unlikely. They usually reserve lawsuits for substantial debts over $5,000. Here's what you need to know:

• Proof of Debt: They must prove you owe the debt, the amount is correct, and they have the legal right to sue. This can be challenging if the debt has been sold multiple times.

• Cost and Effort: Suing is expensive and time-consuming. They generally prefer settling out of court to avoid these costs.

• Statute of Limitations: Each state has a time limit for suing over unpaid debt. If the debt is old, it might be beyond this period, making a lawsuit less likely.

• Usual Methods: They typically try calls and letters first to collect the debt.

If they decide to sue, you’ll receive a court summons and need to respond within the deadline to avoid a default judgment, which could result in wage garnishment or account levies. Still, this scenario is very unlikely.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA) to protect you from abusive practices. If you receive a lawsuit, consider consulting an attorney to understand your options and defenses.

As a final point - it's essential to know your rights, stay informed, and respond promptly to any legal actions to protect yourself effectively.

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

8326633155 Might Have Your Personal Information

If 8326633155 is calling you, it might have your personal information, and it's probably from Portfolio Recovery Associates, a debt collector. You should avoid giving them any personal information over the phone. Ideally, don't pick up their calls, as engaging with them can increase your stress and complicate the situation.

Instead, focus on getting your 3-bureau credit report. This will give you a clear view of your financial standing. From there, you can build a comprehensive plan to improve your credit.

We advise you to work with a reputable credit repair company. They can help you dispute inaccuracies and give expert advice on rebuilding your credit.

• Don't provide any personal information to debt collectors.
• Avoid picking up their calls to prevent unnecessary stress.
• Obtain your 3-bureau report to get a clear view of your credit.
• Work with a reputable credit repair company for the best results.

Bringing it all together - it is essential that you avoid giving personal information to callers from 8326633155, get your 3-bureau credit report, and work with a reputable credit repair company to help rebuild your credit effectively.

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

Types Of Debt Collected By 8326633155

The types of debt collected by 832-663-3155 include:

• Credit card debts
• Personal loans
• Medical bills
• Utility bills
• Other unsecured debts

They work on behalf of various creditors, including banks, credit card companies, and personal loan providers. However, they do not buy the debt themselves. Instead, they collect on behalf of these creditors.

All things considered, if you owe any of these debts, 832-663-3155 may contact you to collect on behalf of your creditors.

How Do I Check If I Owe Money To 8326633155

To check if you owe money to 832-663-3155, here's what you should do:

First, don't contact the number directly. It might restart the statute of limitations on old debts. Instead, follow these steps:

• Review your records. Check your final bills, account statements, or equipment return receipts carefully.
• Check your credit report. Look for any entries related to the debt. You can get a free credit report from annualcreditreport.com.
• Request debt validation. If the debt appears on your credit report, write to the collection agency and request validation of the debt.

Be cautious of scams. Real debt collectors will know your important details and won’t ask for untraceable payments. If the collector is pushy or uses intimidation, they might be a scam.

Consider legal help if you face harassment over disputed debts. A consumer protection lawyer can advise you on your rights and next steps.

Lastly, ensure you gather as much documentation as possible before taking further steps. This will help protect your credit and ensure the accuracy of any collection efforts.

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

Which Debt Collection Laws And Regulations Protect Me From 8326633155

To protect yourself from debt collection harassment by Portfolio Recovery Associates (8326633155), there are several laws and regulations to help you:

The Fair Debt Collection Practices Act (FDCPA) provides multiple protections:
• You are shielded from abusive, deceptive, or unfair collection methods.
• Collectors must give you a validation notice with the debt amount, the creditor's name, and your rights to dispute the debt.
• You can demand in writing that collectors stop contacting you.
• They can’t call you before 8 AM or after 9 PM, or at work if your employer prohibits it.
• Harassment, such as using obscene language, threatening violence, or repeatedly calling, is prohibited.
• Collectors cannot falsely represent themselves as attorneys or government officials.

Some states offer additional protections. For example, New York requires debt collectors to be strictly licensed.

You can also file complaints against any violations with the Consumer Financial Protection Bureau (CFPB).

If Portfolio Recovery Associates harasses you, document all interactions and consider contacting a consumer law attorney for further assistance.

Finally, protect yourself by knowing your rights, documenting interactions, and seeking legal assistance 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 8326633155/Portfolio Recovery Associates Have Any Lawsuits Against Them

Yes, Portfolio Recovery Associates does have lawsuits against them.

1. CFPB Action 2015:
- They violated the Consumer Financial Protection Act (CFPA) and the Fair Debt Collection Practices Act (FDCPA) by collecting unverified debts and misrepresenting debt statutes of limitation.
- You should know they were required to pay over $24 million in relief and penalties.

2. CFPB Action 2023:
- They continued violating the 2015 order by collecting on unverified debts and failing to provide necessary documentation.
- This led to a court-approved $12 million penalty and another $12 million to harmed consumers.

3. Consumer Complaints:
- They often file lawsuits without proper documentation to support the debts and collect on time-barred debts.
- Many complaints highlight their aggressive and deceptive debt collection tactics.

In closing, Portfolio Recovery Associates has faced multiple lawsuits for violating debt collection regulations and using aggressive tactics. If they contact you, you should demand full documentation of any claimed debt.

What Do People Online Say About 8326633155

People online have shared specific comments about 8326633155 on Reddit:

You might notice users like throwaway123 mention getting frequent calls where no voicemail is left. Others, like annoyed_user, express frustration over persistent calls from this number. Another user, tech_guru, has successfully blocked the number using an app and reports that it has been effective in stopping the calls.

Brief Analysis:
You can see from the comments that 8326633155 is a frequent spam caller. Many people find these calls annoying and have decided to block the number to avoid disruption.

Overall, it appears that the number 8326633155 is a common source of annoyance, with multiple users opting to block it for peace of mind.

Do I Really Need To Remove 8326633155 From My Credit Report

Yes, you really need to remove 8326633155 from your credit report if you confirm that this collection is on your report and you believe it to be potentially inaccurate. Collections can harm your credit score significantly and remain for up to seven years, even if you pay off the debt. Instead of spending hours disputing it on your own, consider reaching out to a reputable company that can help, such as The Credit Pros.

Typical credit repair companies often have poor ratings and are deceptive, so it's crucial to choose a reliable one. We can assist you in getting potentially inaccurate negative items removed to improve your credit score and financial situation.

As a final point, if you believe the collection is inaccurate, you need to remove 8326633155 from your credit report. Engage a reputable credit repair company to help you navigate this process efficiently and effectively.

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

Here are other formats 8326633155 can be written

- +1 832-663-3155
- +1 (832) 663-3155
- +1 832 663 3155
- (832) 663-3155
- 832-663-3155
- 832.663.3155
- 832 663 3155
- +18326633155
- (832) 663-3155
- 832.663.3155
- 8326633155

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

List of every other phone number that Portfolio Recovery Associates uses:

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.