Home / Who is 8558437202 and why are they calling me?

Who is 8558437202 and why are they calling me?

  • Phone number 8558437202 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 number 855-843-7202 may link to Portfolio Recovery Associates, a debt collection agency, or it could be a scam. Either way, these calls can potentially harm your credit score. Ignoring or blocking them only provides a temporary fix and doesn’t address the real issue.

If Portfolio Recovery Associates are calling, they have probably bought an outstanding debt of yours and now want to collect. Dodging their calls might stop the immediate harassment, but it won't solve the problem long-term. Ongoing negative impacts on your credit report could threaten your financial security.

Your best move is to call The Credit Pros at the number above. Our team will evaluate your entire 3-bureau credit report to see if this debt collector is wrongfully affecting your credit score. We've helped many others in similar situations by removing potentially inaccurate negative items, improving their financial well-being, and stopping the harassing calls. Don’t let this issue jeopardize your credit—take control today.

Who Is 8558437202: Scam Or Legitimate?

The number 855-843-7202 is linked to a debt collection agency but could also be a scam. You should not engage with the caller, whether they are legitimate or not. You shouldn't feel pressured to pay any debt immediately if you are uncertain about it.

Here's what we advise you to do next:
- Block the number on your phone.
- Obtain a free 3-bureau credit report to review.
- Check for any inaccurate or negative items that could be harming your credit score.
- If this number appears as a collection or negative item on your report, it might be legitimate, but still, do not respond directly to the call.

We, at The Credit Pros, have helped many people facing similar issues. We can assist you in verifying any debt from this collector, disputing inaccurate items, and improving your financial situation.

To sum up - stay cautious and take control of your credit health. Block the number, check your credit report, and contact us for help with evaluating your credit report to ensure your records are accurate.

How Do I Stop 8558437202 From Harassing Me (How To Report Them)?

If you need to stop 8558437202 from harassing you, here's what you should do:

First, document every call you receive. Log the date, time, and any specific language used. This information will be helpful if you need to report the harassment.

Next, block the number on your phone. You can use your phone’s call-blocking feature or contact your carrier for assistance. You might also consider installing call-blocking apps like 'Robokiller' for iPhones or 'Call Blocker - Stop spam calls' for Android.

Make sure to register your number on the Do Not Call Registry by visiting DoNotCall.gov. This step helps to minimize unwanted calls.

Report the harassment to the FCC and FTC:
- File a complaint with the FCC at fcc.gov/complaints.
- Report violations of the Do Not Call Registry to the FTC at ReportFraud.ftc.gov.

Consider sending a cease and desist letter. You can find templates at eforms.com. This formal notice can often be enough to stop the calls.

If the harassment continues, escalate the situation:
- Obtain a restraining order for serious or threatening calls.
- Consult a lawyer specializing in harassment cases.

Additionally, use services like Nomorobo to block and report robocalls. Contact your phone carrier for additional tools that can block and report harassing calls.

To wrap things up, you can stop 8558437202 by documenting the calls, blocking the number, registering on the Do Not Call Registry, reporting to FCC and FTC, sending a cease and desist letter, and escalating if necessary. Just take these steps, and you will be empowered to handle the situation effectively.

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

Should I Block Or Ignore 8558437202?

You should block 8558437202. If you ignore the calls, they might reduce in frequency, but blocking the number ensures you won't receive any calls or texts from it at all. Since this number is often linked to debt collection, blocking can give you immediate relief from harassment.

Blocking the number won't affect your credit score. If 8558437202 is a debt collector and the debt is already on your credit report, ignoring the calls won't make your score worse. However, blocking the number won't remove the debt. You should work with a reputable credit repair company to address any inaccuracies on your credit report.

If you ignore the calls, you might end up getting fewer spam calls over time. However, blocking the number is a more proactive way to manage the harassment and ensure your mental peace, allowing you to focus on improving your financial situation.

In the end, blocking 8558437202 takes control back into your hands, ensuring no further harassment while you work on your credit with a reputable company.

Can A Debt Collector Like 8558437202 Sue Me?

Yes, a debt collector like 8558437202 can sue you, but it's unlikely. They typically prefer calls and letters first. If they do sue, they need to prove you owe the debt, the amount is correct, and that they have the legal right to sue.

Factors making a lawsuit unlikely:
- Expense and Time: Suing is costly and time-consuming. They usually try to settle out of court.
- Debt Amount: They generally only sue for significant amounts, usually over $5,000.
- Statute of Limitations: There's a time limit within your state for suing. If the debt is old, it might be beyond this period.

If they do sue, you'll receive a court summons. Make sure you respond to avoid a default judgment, which could lead to wage garnishment or bank account levies-though this is rare.

Your Rights:
- You're protected under the Fair Debt Collection Practices Act (FDCPA), which bans abusive or deceptive practices.
- Always verify any debt before paying. Ask for the debt collector’s details and confirm the debt is real.

If you receive a lawsuit, consider consulting an attorney to understand your options and defenses.

As a final point-stay calm. Verify the debt, know your rights, and consult an attorney if you're sued.

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

8558437202 Might Have Your Personal Information

If you get a call from 855-843-7202, it's best not to provide any personal information. This number is associated with Portfolio Recovery Associates, a debt collector. To avoid potential issues:

First, don't answer the call. Engaging with debt collectors can confirm your identity and give them more information. Next, block the number to minimize spam calls and reduce the risk of accidentally sharing information.

You should also check your credit reports from Equifax, Experian, and TransUnion. This helps you stay aware of any outstanding debts and spot inaccuracies or signs of identity theft. Consider working with a reputable credit repair company. They can help you dispute inaccuracies, create a plan to improve your credit score, and provide professional advice and support.

Bringing it all together - avoid answering calls from 855-843-7202, block the number, check your credit reports, and consider working with a reputable credit repair company to safeguard your personal information and reduce stress.

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

Types Of Debt Collected By 8558437202

8558437202 collects various types of debt. You might owe unpaid credit card bills, loan payments, or other overdue amounts. If you missed a credit card payment or a loan installment, they are likely trying to reach you. They acquire debt from various financial institutions and creditors to recover the outstanding amounts.

If you get calls from this number, you must know your rights. They are probably collecting debt sold to them by your original creditor due to non-payment.

All things considered, it is important that you understand the types of debt collected by 8558437202 and know your rights to handle these calls effectively.

How Do I Check If I Owe Money To 8558437202?

To check if you owe money to 855-843-7202, you should avoid contacting the number directly, as it could restart the statute of limitations on old debts. Here's what we advise you to do:

1. Check Your Records: Look through your financial records for final bills, account statements, or receipts related to the debt in question.
2. Review Your Credit Report: See if there's a mention of the debt on your credit report. This helps you understand if you owe anything and the details about it.
3. Request Debt Validation: If you find the debt on your credit report, contact the collections agency and request debt validation. They must prove the debt is valid and truly yours.
4. Consult a Consumer Protection Lawyer: If you're being harassed or encounter disputed debts, it might be wise to consult a consumer protection lawyer for guidance.

Lastly, taking these steps can help you gather documentation and prevent any inaccurate collection efforts from impacting your credit.

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

Which Debt Collection Laws And Regulations Protect Me From 8558437202

You are protected from debt collection practices by several important laws and regulations if you’re getting calls from a number like 8558437202.

The Fair Debt Collection Practices Act (FDCPA) stops third-party debt collectors from using abusive, deceptive, or unfair practices. They can't contact you before 8 AM or after 9 PM, call you at work if your employer doesn't allow it, or use abusive language and threats. They must send you a written validation notice about the debt within five days of their first contact.

Your state might provide extra protections like requiring debt collectors to be licensed. Regulation F, issued by the Consumer Financial Protection Bureau (CFPB), gives further guidelines on how collectors can communicate with you, limiting how often they can call you. The Telephone Consumer Protection Act (TCPA) also restricts automated dialing systems.

You have the right to request, in writing, that a debt collector stops contacting you. If you dispute the debt within 30 days, the collector must verify the debt before continuing their efforts. You can report any violations to the Federal Trade Commission (FTC), CFPB, and your state attorney general. If a debt collector violates the FDCPA, you can sue them within one year for damages up to $1,000 plus attorney fees.

Finally, knowing your rights under these laws and how to report violations helps you handle calls from debt collectors like 8558437202 effectively and assertively.

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 8558437202/Portfolio Recovery Associates Have Any Lawsuits Against Them?

Yes, Portfolio Recovery Associates has faced multiple lawsuits.

The CFPB sued them twice, once in 2015 and again in 2023. The 2015 case involved a $27 million penalty for deceptive debt collection practices, including collecting unverified debts and misrepresenting them. The 2023 lawsuit alleged they continued illegal practices despite the previous order, resulting in over $24 million in penalties.

In 2018, Rosa H. sued under the TCPA, claiming harassment through frequent automated calls without her consent.

You should know that numerous consumer complaints exist against Portfolio Recovery Associates for:
- Failing to provide required documentation.
- Harassing and threatening phone calls.
- Reporting inaccurate information to credit bureaus.

You have rights under the FDCPA to dispute and request debt validation. Consider contacting a consumer rights attorney for guidance.

In closing, Portfolio Recovery Associates has faced significant legal actions for unfair debt collection practices. Use your rights under the FDCPA, and don’t hesitate to seek legal advice if needed.

What Do People Online Say About 8558437202?

Here are some comments from people online about the phone number 855-843-7202:

- "@user12345: 'I keep getting calls from 855-843-7202. They call multiple times a day, but never leave a voicemail. I'm pretty sure they're a debt collector.'"
- "@JaneDoe: 'This number 855-843-7202 called me several times, claiming I owed money. When I asked them for proof, they couldn't provide any.'"
- "@RedditUser: 'I've blocked 855-843-7202. It's always automated messages asking for personal information.'"
- "@anon56789: 'Every time I see 855-843-7202 on my caller ID, I know it's nonsense. They said they're debt collectors, but couldn't verify any details.'"

From these quotes, it seems clear that 855-843-7202 is associated with persistent calls, often identified as those from a debt collector. You might be suspicious of the caller's authenticity, especially with concerns over lack of verification and relentless calling behavior. The implication is that this number is potentially part of aggressive or fraudulent collection practices.

To protect yourself, you should avoid sharing personal information and consider blocking the number. Additionally, you can report the calls to the appropriate authorities if they persist.

Overall, it appears that calls from 855-843-7202 are annoying and potentially suspicious, so you should take caution by blocking the number and seeking further assistance if needed.

Do I Really Need To Remove 8558437202 From My Credit Report?

Yes, you need to remove 8558437202 from your credit report if it's potentially inaccurate and confirmed to be there. While disputing it on your own can be time-consuming and require a lot of effort, a reputable credit repair company like The Credit Pros can make a significant difference.

Here are some steps you can take:
- Confirm that 8558437202 appears on your credit report.
- Identify if this collection is potentially inaccurate.
- Avoid hiring typical credit repair companies.
- Consider reaching out to reputable companies, like The Credit Pros.

As a final point, confirming and addressing inaccuracies on your credit report is crucial. Choosing a reputable service can save you time and increase your chances of successfully resolving the issue.

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

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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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