Who is 8667632906 and why are they calling me?

Updated: June 8, 2024
Call Type: Debt Collector
Spam Risk: Very High
Fact Checked

Phone number 8667632906 is likely a debt collector called:' Portfolio Recovery Associates'.
Your credit score likely dropped because this is potentially a debt collection on your report.
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Main phone number related with this page is: 8664300311

That phone number, 866-763-2906, could be linked to a debt collector like Portfolio Recovery Associates, or it might be a spam or scam call. If it’s related to debt, they most likely bought your outstanding debt and are trying to collect it. Ignoring or blocking these calls may give you a break, but it won't solve the problem.

If you think it's a debt collector, face this issue directly. Dodging calls won’t solve anything and could harm your credit score. Confirm what’s going on and understand the situation. Here’s a simple tip: Contact The Credit Pros. We can review your full 3-bureau credit report, clarify if the debt is legitimate, and spot other negative items hurting your score.

We’ve helped many people in similar situations remove potentially inaccurate negative items and boost their credit scores. After checking your report, we can guide you on steps to improve your financial well-being and stop the harassing calls permanently. Don't delay—handling this now is crucial for your financial security.

Who Is 8667632906: Scam Or Legitimate?

The number 866-763-2906 is linked to Portfolio Recovery Associates, a debt collection agency. However, even legitimate companies can be spoofed by scammers. You should stay cautious.

Here's what we advise you to do:

- Do Not Engage Directly: Let calls from this number go to voicemail.
- Verify the Debt: Get a free 3-bureau credit report evaluation to check for any unfamiliar debts.
- Request Written Verification: Ask for written documentation of the debt if you communicate with them.
- Protect Your Personal Information: Never share your personal or financial information unless you confirm the caller's legitimacy.
- Seek Help: Contact The Credit Pros for assistance with verifying debts, disputing inaccuracies, and improving your financial situation.

To sum up, make sure you don't engage directly, verify the debt through your credit report, request written documentation, protect your personal information, and seek professional help to navigate this situation.

How Do I Stop 8667632906 From Harassing Me (How To Report Them)?

If 8667632906 is harassing you, here’s how to stop them and report it:

First, you should document every call. Write down the dates, times, and details of each call. This information is crucial.

Next, join the Do Not Call Registry by registering your number at DoNotCall.gov. It’s quick and can reduce unwanted calls.

You should block the number. Use your phone’s call-blocking feature, or ask your service provider for help. You can also try apps like 'Robokiller: Spam Call Blocker' for iPhone or 'Call Blocker - Stop spam calls' for Android.

Report the harassment to the appropriate authorities:
- FCC: Report robocalls or spoofing at fcc.gov/complaints under “unwanted calls”.
- FTC: Report telemarketing or Do Not Call Registry violations at ReportFraud.ftc.gov or DoNotCall.gov.
- CFPB: Document interactions and submit a complaint at consumerfinance.gov/complaint or call (855) 411-2372.

You might also consider seeking legal help:
- Lawyer: A harassment lawyer can help you explore legal action.
- Cease and Desist: Find templates for a cease and desist letter at eforms.com/cease-and-desist.

Check with your phone carrier, as they might offer additional call-blocking tools.

To wrap things up, make sure you document every call, register with the Do Not Call Registry, block the number, report the harassment to authorities, seek legal help if needed, and check with your phone carrier for additional tools. Taking these steps can help you effectively stop and report harassing calls from 8667632906.

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

Should I Block Or Ignore 8667632906?

You should block 8667632906. If you ignore the calls, you might keep getting pestered, but blocking them removes that immediate stress. This number is connected to Portfolio Recovery Associates, a debt collection agency. Engaging with them might not help if they are mistakenly targeting you or causing unnecessary stress.

Blocking them won’t affect your credit score. If it's already on your credit report, it won't hurt your score any further. You should consider working with a reputable credit repair company to remove any inaccuracies they might report. This step helps keep your credit healthy.

You can use tools like the National Do Not Call Registry (888-382-1222) to reduce unwanted sales calls, though it may not stop debt collectors. Programs like Nomorobo can effectively block robocalls, providing some relief from these nuisances.

In the end, blocking 8667632906 reduces stress. Use the National Do Not Call Registry for fewer sales calls, and consider a credit repair company to fix inaccuracies. Taking these steps helps you manage the situation better.

Can A Debt Collector Like 8667632906 Sue Me?

Yes, a debt collector like 8667632906 can sue you, but it's very unlikely. Debt collectors typically sue only if the debt is substantial, usually over $5,000, and if it's worth the cost and effort. They have to prove you owe the debt, the amount is correct, and they have the legal right to sue, which can be tough if the debt has changed hands multiple times. Suing is expensive and time-consuming, so many prefer to settle out of court.

There's also a statute of limitations which varies by state; if the debt is old, they might not be able to sue you. Debt collectors will usually try calling and sending letters first. If they do sue, you will get a court summons and complaint. You must respond to avoid a default judgment which might lead to wage garnishment or bank account levies. You have rights under the Fair Debt Collection Practices Act (FDCPA) that protect you from abusive practices. If you are sued, consider consulting an attorney to understand your options.

- Debt collectors prefer other methods like calls and letters.
- Suing usually happens for debts over $5,000.
- Statute of limitations could prevent a lawsuit on old debts.
- Respond to any court summons to avoid default judgment.

As a final point, remember that debt collectors prefer other methods besides suing, especially for smaller debts, and it's crucial you respond to court summons to avoid default judgments.

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

8667632906 Might Have Your Personal Information

If you get a call from 8667632906, you should be cautious. It's best if you don't answer at all and certainly don't give out any personal information.

We advise you to obtain your 3-bureau credit report. Start a comprehensive plan to improve your credit. Consider working with a reputable credit repair company to help correct inaccuracies and disputes on your credit report.

Receiving calls from debt collectors can be stressful. You need to protect your personal information and focus on improving your credit.

Bringing it all together, the key steps are to avoid engaging with the caller, get your credit report, and possibly work with a credit repair company. This approach will help keep your personal information safe and improve your financial situation.

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

Types Of Debt Collected By 8667632906

The phone number 866-763-2906 is associated with a debt collection company that collects various types of debts. These can include credit card debts, auto loans, medical bills, and personal loans. They might also handle debts from utilities, telecommunications, and other consumer services. Often, these debts are bought from the original service providers or financial institutions you’ve dealt with.

If you receive a call from this number, it's likely because you have an unpaid bill or loan. This can negatively impact your credit score. Before you make any payments, it's crucial that you verify the validity of the debt with the collector.

All things considered, if you find yourself contacted by 866-763-2906, you should verify the debt first and handle it promptly to protect your credit score.

How Do I Check If I Owe Money To 8667632906?

To check if you owe money to 8667632906, you need to gather your own records like final bills, account statements, or equipment return receipts. Get your credit report to see if any debts to Portfolio Recovery Associates are listed.

If you see a debt on your credit report that you don't remember, request a debt validation from the collections agency. This requires them to provide proof that the debt is yours. Avoid engaging directly by phone as this might restart the statute of limitations on old debts. Instead, send a written request.

If you feel harassed by debt collection attempts, consult a consumer protection lawyer. Ensure you don't give out personal information like your bank account numbers or Social Security Number unless you're sure the debt is legitimate.

Lastly, by following these steps and being cautious, you can handle the situation wisely and avoid falling for scams.

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

Which Debt Collection Laws And Regulations Protect Me From 8667632906

If you're dealing with calls from 8667632906, which is likely Portfolio Recovery Associates, several laws protect you from unfair debt collection practices.

Fair Debt Collection Practices Act (FDCPA):
1. Abusive Practices: Collectors can't harass or abuse you, including repeated calls or obscene language.
2. False Information: They can't lie about the amount you owe or pretend to be lawyers or government officials.
3. Proper Communication: They can't call before 8 AM or after 9 PM. If you tell them not to call at work, they must stop.
4. Third-Party Disclosure: They can’t tell others about your debt without your permission.

Required Disclosures:
1. Validation Notice: Within 5 days of first contact, they must send a written notice detailing the debt, creditor’s name, and your right to dispute.
2. Debt Dispute: If you dispute within 30 days, they must provide verification before continuing collections.

Regulation F (CFPB Rules):
1. Call Frequency: Limits how often they can call you.
2. New Communication Methods: Rules on contacting you via social media and digital messages to ensure privacy.

State Laws:
1. Additional Protections: Many states have extra rules; for instance, New York requires debt collectors to be licensed.
2. Consumer Protection: Some states apply broader consumer protection laws that might offer more coverage.

Your Rights:
1. Stop Communication: You can write to them to stop all communication.
2. Legal Action: You can sue for violations within a year to recover damages and attorney fees.
3. Reporting Violations: You can report them to the FTC, CFPB, or your state attorney general.

Finally, remember that you have strong protections under these laws. If you're feeling overwhelmed, consult a consumer law attorney to explore your specific options.

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 8667632906/Portfolio Recovery Associates Have Any Lawsuits Against Them?

Yes, Portfolio Recovery Associates (PRA) has faced multiple lawsuits.

1. CFPB Lawsuit (2015): PRA was ordered to pay over $27 million for deceptive debt collection tactics.
2. CFPB Lawsuit (2023): The CFPB required PRA to pay more than $24 million for continuing illegal debt collection practices and violating a previous order.

There are also numerous complaints:

1. CFPB Violations: PRA violated the Consumer Financial Protection Act (CFPA), Fair Debt Collection Practices Act (FDCPA), and Fair Credit Reporting Act (FCRA) by collecting unsubstantiated debt, misrepresenting debt verification, and more.
2. State and Federal Complaints: Consumers reported PRA's aggressive tactics, including collecting on time-barred debt and failing to provide necessary documentation.

You should respond to any lawsuit from PRA by demanding proof of their claims. We can help you fight back.

In closing, it's clear that PRA has been involved in significant legal issues. If you face a lawsuit from them, demand proof of their claims and seek professional help to protect your rights.

What Do People Online Say About 8667632906?

People online have shared various experiences about the phone number 866-763-2906, mostly related to debt collection practices. Here are some specific comments from users:

- A Reddit user shared, "I called up PRA through their contact info on their website to get more information. They had the wrong person with the same name as me. They deleted my number from their system."
- Another stated, "I let the call go to voicemail. The message was from Portfolio Recovery Associates."

Many individuals have encountered mistaken identity or received vague messages from this number. You should verify any claims before providing personal information.

Overall, people suggest verifying the legitimacy of debts tied to 866-763-2906 to avoid misunderstandings.

Do I Really Need To Remove 8667632906 From My Credit Report?

Yes, you should remove 8667632906 from your credit report if you discover it's there and seems potentially inaccurate. You might find handling this yourself takes a lot of time and energy. Instead, consider reaching out to a reputable credit repair company like The Credit Pros to avoid the hassle.

- Disputing it yourself: You’ll spend tons of your time and effort.
- Choosing the right help: Most credit repair companies are poorly rated and deceptive, making your choice crucial.
- Better results: A reputable company saves you time and may improve your chance of successfully removing it.

Remember, only errors or potentially inaccurate items can be removed from your report. Accurate negative items stay on your report for up to seven years.

As a final point-addressing inaccuracies on your credit report is essential, and seeking help from a trustworthy credit repair company can make the process smoother and more effective.

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

Here are other formats 8667632906 can be written

- +1 866-763-2906
- +1 (866) 763-2906
- +1 866 763 2906
- (866) 763-2906
- 866-763-2906
- 866.763.2906
- 866 763 2906
- +18667632906
- (866) 763-2906
- 866.763.2906
- 8667632906

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.