Who is 8662930076 and why are they calling me?

Updated: June 7, 2024
Call Type: Debt Collector
Spam Risk: Very High
Fact Checked

Phone number 8662930076 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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Take your first step to improve your credit score today. Call now or schedule a consultation for your free Credit Report and expert analysis!

Main phone number related with this page is: 8664300311

If you're getting calls from 866-293-0076, it’s probably Portfolio Recovery Associates or a scammer. It likely means a debt collector bought an older debt of yours and now wants to collect it. Ignoring the calls might give you a break, but it's only a temporary fix—those calls won't just stop on their own.

Here’s the straight-up solution: call The Credit Pros at the number above. We'll chat with no pressure and review your entire credit report from all three bureaus to confirm if Portfolio Recovery Associates is behind this. Ignoring these calls won't solve the problem, and we might find other negative items hurting your score.

We've helped countless people in your situation by identifying and removing potentially inaccurate items. This usually boosts your credit score and improves your overall financial well-being. Plus, no more annoying calls! For your financial security, don't wait—call us today and let’s tackle this together.

Who Is 8662930076: Scam Or Legitimate?

It’s likely that 8662930076 is associated with a debt collection agency, specifically Portfolio Recovery Associates. However, it might also be a scam. You should be cautious and avoid engaging with the caller. Here’s what we advise you to do:

- Do not provide personal information without verifying the debt.
- Pull your credit report and check for inaccuracies or negative items.
- Call us for a free 3-bureau credit report evaluation.

If the debt is listed on your credit report, it might be legitimate, but you should avoid responding directly to the call. Instead, let us help you verify the debt and dispute any inaccuracies. We at The Credit Pros have experience assisting people in similar situations and can guide you to improve your financial standing.

To sum up, it's important that you avoid engaging with the caller, verify the debt via your credit report, and seek professional help to dispute any inaccuracies.

How Do I Stop 8662930076 From Harassing Me (How To Report Them)?

If 8662930076 is harassing you, here's how you can stop it and report them:

First, document every unwanted interaction. Keep a detailed log of each call, noting the date, time, and anything that was said.

Next, register your number on the Do Not Call Registry. Once registered, report any unwanted calls you receive after 31 days.

Block the number using your phone’s call-blocking feature or get assistance from your phone carrier. Apps like 'Call Blocker - Stop spam calls' for Android or 'Robokiller: Spam Call Blocker' for iPhone can also help.

If the calls persist, consider escalating the situation. You might need to file a restraining order, hire a harassment lawyer, or send a cease and desist letter using a template from eforms.com.

Report the calls to the FCC by filing a complaint for illegal robocalls or unwanted calls at the FCC Complaint Form. Be sure to specify the details of the calls.

Report any telemarketing violations to the FTC at ReportFraud.ftc.gov.

Finally, contact the CFPB by submitting a complaint online at consumerfinance.gov/complaint or call (855) 411-2372.

You can also ask your phone carrier about additional call-blocking tools they offer.

To wrap things up - keep detailed logs, block the number, file complaints with the appropriate authorities, and use available tools to protect yourself from further harassment.

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

Should I Block Or Ignore 8662930076?

Yes, you should block 8662930076. Blocking this number prevents further harassment and reduces stress. Ignoring the calls might not be as effective, so blocking is the better option.

Here’s what you should do:

1. Block the number on your phone.
2. Use a reputable credit repair company to handle any potential inaccuracies related to debt collection.
3. Remember, blocking won't hurt your credit score if the debt is already on your report.

In the end, blocking the number, seeking professional help, and managing any issues efficiently can help you avoid unwanted stress from persistent calls.

Can A Debt Collector Like 8662930076 Sue Me?

Yes, a debt collector like 8662930076 can sue you, but it's uncommon. Suing is usually a last resort for debt collectors because it's both expensive and time-consuming. They typically pursue legal action for debts over $5,000.

To sue you, they must prove that you owe the debt, the amount is accurate, and they have the legal right to sue you. This can be challenging, especially if the debt has changed hands multiple times.

If you’re sued, you will receive a court summons and complaint. You must respond to avoid a default judgment, which can lead to wage garnishment or bank account levies. It's essential to know your rights under the Fair Debt Collection Practices Act (FDCPA), which protects you from abusive practices.

As a final point - always respond to a court summons to protect yourself from a default judgment, consider settling out of court, and consult an attorney to understand your options and rights.

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

8662930076 Might Have Your Personal Information

If you get a call from 8662930076, it's best that you don't pick up. This number is tied to debt collectors, and giving them any personal information can be risky. If you answer, don’t share any details about yourself. Instead, get your three-bureau credit report and start working on improving your credit. This helps you understand your financial standing and what needs fixing.

We advise you to work with a reputable credit repair company. They can help you tackle inaccuracies on your credit report and guide you on the best steps to improve your credit. You should block the number to avoid future calls and protect your private information. If you think your information might be compromised, let your close friends and family know so they can watch out for anything suspicious.

Bringing it all together - avoid calls from 8662930076, focus on improving your credit, block the number, and inform your close ones to keep your personal information safe.

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

Types Of Debt Collected By 8662930076

The types of debt collected by 8662930076 typically include credit card debts, auto loans, and cell phone bills. You might also be dealing with other debts from various creditors. It's essential that you verify the legitimacy of any debt and the collector contacting you. There are a few key strategies you should use to do this:

- Ask for detailed information about the debt.
- Confirm with the original creditor if the debt is legitimate.
- Be cautious of potential scams and ensure you are dealing with a legitimate collector.

All things considered, taking these steps ensures you effectively handle calls from 8662930076 and avoid potential scams.

How Do I Check If I Owe Money To 8662930076?

To check if you owe money to 866-293-0076, follow these steps:

First, you should check your records. Look through your past bills, account statements, and any communications you've had with creditors to verify if you actually owe the debt.

Next, get debt validation. You need to contact the debt collector in writing and request a debt validation letter. They must provide details like the creditor's name and the amount owed. Do this within 30 days of their initial contact.

Also, review your credit report. Check your credit report to see if the debt is listed. This can provide more context about the debt and its legitimacy.

Importantly, avoid direct contact initially. Do not call the number directly, as contacting them might restart the statute of limitations on the debt.

Be vigilant about potential scams. Make sure the debt collector provides all necessary information, and be cautious if the calls come outside of normal hours (before 8 a.m. or after 9 p.m.).

If you face harassment or if the debt seems incorrect, consult a consumer protection lawyer for advice.

Lastly, ensure you gather as much documentation as possible before reaching out to the debt collector to avoid inaccuracies affecting 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 8662930076

If you're being contacted by 866-293-0076, several debt collection laws and regulations protect you. Here's what you need to know:

Federal Law

Fair Debt Collection Practices Act (FDCPA):
- Prohibits Abusive Practices: Debt collectors can't use abusive, unfair, or deceptive practices.
- Hours of Contact: They cannot contact you before 8 AM or after 9 PM unless you agree.
- Workplace Prohibition: They can't call you at work if your employer disallows such calls.
- Validation Notice: They must send a written validation notice within five days of contacting you, detailing the amount of debt, creditor's name, and your right to dispute the debt within 30 days.
- Dispute and Verify: If you dispute the debt in writing, collection attempts must stop until verification is provided.
- Contact Restrictions: They can't discuss your debt with anyone other than you, your spouse, or your attorney without permission.
- Harassment Prohibited: Repeated calls with intent to harass, abusive language, threats, or false representation is prohibited.

State Laws

State Debt Collection Laws:
- Additional Protections: Many states, like New York, have stricter laws. For example, New York requires debt collectors to be licensed.

Your Rights

Consumer Rights under FDCPA:
- Stop Communication: You can demand that a debt collector stops contacting you by sending a written request.
- Attorney Representation: If you have an attorney, the debt collector must communicate only with them.
- Suing for Violations: You have the right to sue for any FDCPA violations and could recover damages, including legal fees.
- Reporting Violations: Report any violations to the FTC, CFPB, or your state attorney general.

Practical Steps:
- Confirm Legitimacy: Request the debt collector's name, company, address, and documentation of the original debt.
- Document Everything: Keep records of all communications.
- Report and Act: Inform relevant authorities if you suspect abusive practices or scams.

We advise you to stay informed and exercise your rights to protect yourself from abusive debt collection practices.

Finally, remember to confirm the debt's legitimacy, document all interactions, and report any violations to stay protected and reduce stress in the process.

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 8662930076/Portfolio Recovery Associates, Llc Have Any Lawsuits Against Them?

Yes, Portfolio Recovery Associates, LLC has faced numerous lawsuits and official complaints. Here are some examples:

Lawsuits:
- Consumer Financial Protection Bureau (CFPB) Action (2015): They were ordered to pay over $27 million for deceptive collection practices, like collecting unsubstantiated debt and filing misleading affidavits.
- CFPB Complaint (2023): The company was charged with ongoing violations of the 2015 order, including collecting time-barred debts and misrepresenting debt amounts.

Official Complaints:
- CFPB Complaints: You can find numerous complaints about improper debt collection practices, such as not providing necessary documentation and failing to investigate consumer disputes properly.
- Better Business Bureau (BBB) Complaints: There are reports of false or misleading information used in debt collection efforts.

In closing, Portfolio Recovery Associates, LLC has encountered significant legal and regulatory challenges, including multiple lawsuits and official complaints regarding their debt collection practices.

What Do People Online Say About 8662930076?

People online have mixed reviews about the phone number 866-293-0076. Many describe it as fraudulent or related to potential scams. Here are some specific quotes from various forums:

- Reddit User - u/BankOfAmericaCaller: "I got a call from a person stating that he was from Bank of America. ... right away I knew this was a fraud call but he had my debit card number. I immediately said to him I am going to call Bank of America right now."
- User on a Telecom Forum: "Someone called me asking to verify my name, date of birth, and last four of my social security number. The scammer said it was a personal matter but never told me what company they were calling from."
- Robokiller User - November 14, 2023: "Block this ."
- Robokiller User - July 4, 2023: "SCAM!"
- Robokiller User - August 17, 2023: "Debt."

The majority of users describe their experience with 866-293-0076 as negative, often identifying it as a scam or suspicious activity. These reports suggest that you should exercise caution when receiving calls from this number and imply it is often disguised or spoofed to appear as a legitimate entity like Bank of America. Many users recommend blocking the number to avoid potential scams.

Overall, it seems clear that most people think you should block calls from 866-293-0076 due to frequent reports of scams and suspicious activity.

Do I Really Need To Remove 8662930076 From My Credit Report?

Yes, you do need to consider removing 866-293-0076 from your credit report if you confirm it is there and identify it as potentially inaccurate. Instead of engaging a typical credit repair company, which often has poor ratings and ineffectiveness, you should focus on taking action yourself or seeking help from a reputable credit repair company. Disputing inaccuracies on your own can be very time-consuming and demanding.

We recommend that you consider reaching out to a well-reviewed credit repair company like The Credit Pros. They can help you efficiently resolve these issues, saving you time and effort.

As a final point, remember that removing inaccurate items from your credit report is crucial. You should either dispute it yourself or get help from a trustworthy company to streamline the process.

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

Here are other formats 8662930076 can be written

- +1 866-293-0076
- +1 (866) 293-0076
- +1 866 293 0076
- (866) 293-0076
- 866-293-0076
- 866.293.0076
- 866 293 0076
- +18662930076
- (866) 293-0076
- 866.293.0076
- 8662930076

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.