Who is 8668735293 (+ how are they hurting my credit score)

The phone number 866-873-5293 belongs to Cavalry Portfolio Services, a debt collection agency. However, even with this information, the call could still be a scam, so it's vital that you don't directly engage with the caller.

Here's what we advise you to do:

• Do not answer or provide any personal information to the caller.
• Check your credit report from all three bureaus to spot any inaccurate negative items.
• Verify the debt if there is a collection item from this agency on your report, but don't respond right away.
• Seek professional help from The Credit Pros. We can help verify any debts and dispute inaccuracies to improve your financial prospects.

Ignoring the call and analyzing your credit report will help protect you from scams and manage any legitimate debts more effectively.

To sum up - don't engage with the caller, check your credit report for inaccuracies, and contact The Credit Pros for professional assistance.

To stop 866-873-5293 from harassing you and report them, follow these steps:

1. Document Interactions: Keep a detailed log of dates, times, and any abusive language used during calls.

2. Register with the Do Not Call Registry: Go to DoNotCall.gov to register your number. Then, block the number through your phone’s settings or ask your service provider for assistance.

3. Escalate Measures If Needed:
- Consider a restraining order if threats escalate.
- Hire a harassment lawyer, as harassment violates specific laws.
- Send a cease and desist letter using the template at eforms.com.

4. Use Blocking Apps:
- On Android: Install 'Call Blocker - Stop spam calls.'
- On Apple: Use 'Robokiller: Spam Call Blocker.'

5. File a Complaint with the FCC: Visit fcc.gov/complaints to report illegal robocalls, spoofing, or unwanted calls.

6. Report to the FTC: Submit a report at ReportFraud.ftc.gov or DoNotCall.gov.

7. Contact the CFPB: Gather all interaction details and submit a complaint at consumerfinance.gov/complaint or call (855) 411-2372. You can also mail a letter to CFPB, 1700 G Street, NW, Washington, DC 20552, Attention: Chief Privacy Officer.

8. Report to Nomorobo: If you use Nomorobo, report robocalls directly through their service.

9. Consult Your Phone Carrier: Ask about any call-blocking tools and options they offer.

10. Local/State Consumer Protection: Check additional complaint mechanisms through your local or state consumer protection offices.

To wrap things up, by documenting interactions, registering with the Do Not Call Registry, using blocking apps, and reporting the number to the FCC, FTC, and CFPB, you can address harassment effectively. Take proactive steps to protect yourself from unwanted calls.

You should block the number 866-873-5293 if it's from Cavalry Portfolio Services, a debt collection agency. Ignoring or blocking this number can help you reduce harassment without affecting your credit score. Even if this number is linked to an existing collection on your report, ignoring or blocking it won't make your credit score worse.

Here's what you should do:

• Block the Number: This stops further calls and messages from this number.
• Document the Calls: Note the dates, times, and nature of the conversations for potential legal action.
• Seek Help: Collaborate with a reputable credit repair company to address and remove any inaccuracies on your credit report.

In the end, blocking or ignoring the number 866-873-5293 won't harm your credit score, but it can stop harassment and give you peace of mind.

Yes, a debt collector like 8668735293 can sue you, but it's very unlikely. Lawsuits are usually a last resort for debt collectors and typically occur when the debt amount is significant, often over $5,000.

For a debt collector to sue, they must:

• Prove you owe the debt.
• Verify the amount is accurate.
• Demonstrate they have the legal right to sue.

Suing is expensive and time-consuming, so many collectors prefer settling out of court. Each state has a statute of limitations, which limits the time they can sue you. If your debt is old, it might be beyond this period, making a lawsuit less likely.

Debt collectors usually start with calls and letters before considering a lawsuit. If they do decide to sue, you'll receive a court summons and complaint. It's important that you respond within the deadline to avoid a default judgment, which could result in wage garnishment or bank account levies.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA). If you receive a lawsuit, consider consulting an attorney to understand your options and defenses. Validate the debt within 30 days of initial contact and check if it falls within the statute of limitations.

As a final point, if a debt collector like 8668735293 sues you, ensure you understand your rights and respond promptly. Be proactive, validate the debt, and consult an attorney to navigate your options.

Don't provide any personal information to debt collectors calling from 8668735293. Ideally, you shouldn’t even pick up when they call. If you do, engaging directly might expose your personal information or worsen the situation. Instead, focus on obtaining your 3-bureau credit report. This allows you to see all your credit details and start building a solid plan to improve your credit. Working with a reputable credit repair company can be your best bet because they can handle inaccuracies and disputes effectively. They have the expertise to navigate complex credit issues and improve your credit standing.

Here’s what we advise you to do:
• Block the number to avoid further calls.
• Obtain your 3-bureau credit report to identify any issues.
• Work with a reputable credit repair company to address inaccuracies.
• Follow their advice to build and maintain a good credit score.

Bringing it all together - Block the number, get your credit report, and work with a credit repair company to ensure your credit stays strong.

8668735293 is used by Cavalry Portfolio Services to collect unpaid debts. You might hear from them if you owe money on credit cards, personal loans, auto loans, medical bills, or utility bills. They mainly collect debts for big banks, credit card companies, payday loan companies, auto finance lenders, utility companies, and telecommunication providers. Debt is usually sold to them when it's around 3-6 months overdue. They buy it for less than its original amount but try to collect the full balance.

• Big banks and credit card companies
• Payday loan companies
• Auto finance lenders
• Utility and telecommunication providers

All things considered, if you owe on a variety of accounts from credit cards to medical bills, you might hear from 8668735293. It helps to know what types of debt they collect so you can address your specific situation.

To check if you owe money to 866-873-5293, follow these steps:

First, review your personal records. Look through your bills, account statements, and any equipment return receipts to see if you have any outstanding debts. This can help you identify if there's a legitimate debt to the number.

Next, get your credit report from a trusted source like AnnualCreditReport.com. You might find a debt listed under Cavalry Portfolio Services.

If you do find a debt listed, request debt validation from Cavalry Portfolio Services. They are legally required to provide verification details.

Be cautious and avoid direct contact with the debt collector. Engaging with them could reset the statute of limitations on your debt.

Lastly, if you find any inaccuracies, you should dispute them right away. Consider consulting a consumer protection lawyer if you feel harassed or unsure about the debt. By following these steps and collecting thorough documentation, you can effectively manage the situation and protect your credit.

If you’re dealing with calls from 8668735293, there are laws that protect you against unfair debt collection practices.

First, the Fair Debt Collection Practices Act (FDCPA) prevents debt collectors from using abusive, deceptive, or unfair practices. They must inform you about your debt and your right to dispute it. If you dispute the debt within 30 days, they must stop collecting until they verify it.

Regulation F, issued by the Consumer Financial Protection Bureau (CFPB), adds more specifics to the FDCPA. It limits how often and when debt collectors can call you.

Additionally, state laws may offer further protections. For example, New York requires debt collectors to be licensed. Check with your state attorney general for local regulations.

You should know that debt collectors are prohibited from calling before 8 AM or after 9 PM, and they can't contact you at work if it's not allowed by your employer. They must not use abusive language, make threats, or pretend to be attorneys or government officials. Also, they can't disclose your debt to third parties or demand more than what you owe legally.

You have the right to request in writing that the collector stops contacting you, except for specific communications. If you have an attorney, the collector should only contact them. You can sue for violations within one year and report issues to the FTC, CFPB, and state authorities.

Finally, if Cavalry Portfolio Services, linked to 8668735293, contacts you, ensure you know your rights under these laws and report any violations immediately.

Yes, Cavalry Portfolio Services has faced several lawsuits related to debt collections.

In 2017, they were involved in multiple cases, such as:
• A class-action lawsuit in Florida for not disclosing that the debt was too old to be sued upon.
• A New York case alleging they didn't identify the creditor to whom the plaintiff owed money.
• A similar case in Missouri with claims of failing to identify the creditor.

In 2018, in Wisconsin, Cavalry was accused of disclosing an inaccurate amount of debt owed. More recently, in 2020, they settled a class-action lawsuit under the Telephone Consumer Protection Act for $24 million due to contacting consumers without consent.

Additionally, numerous consumer complaints have been filed:
• The Better Business Bureau (BBB) has recorded 180 complaints in the past three years.
• The Consumer Financial Protection Bureau (CFPB) lists 3,450 complaints related to 'Cavalry Investments, LLC,' with 2,885 specifically about debt collection.

In closing, you should be aware that Cavalry Portfolio Services has faced multiple lawsuits and thousands of consumer complaints related to their debt collection practices.

People online, particularly on Reddit, have various things to say about the phone number 866-873-5293.

Reddit user mynameismisspelled mentioned that 866-873-5293 calls them about once a week without leaving a message, which led to the assumption that it's a scam. After looking up the number, they found it linked to a debt collector named 'Cavalry Portfolio' and sought confirmation from others.

Another Reddit user debttraverse expressed confusion, stating that as a full-time college student with no outstanding debt, the legitimacy of this 'debt collector' seemed dubious to them.

Reddit user scammedbydebt also voiced concerns, questioning the reasons behind these calls given their lack of debt and advising against answering to avoid giving away personal information. They suggested that a legitimate organization would send a physical letter instead of making no-voicemail calls.

These comments show that people are largely skeptical and uncertain about the calls from 866-873-5293, doubting their legitimacy due to the lack of voicemails and unsolicited nature of the calls.

Overall, people online are wary of the calls from 866-873-5293, suspecting scam tactics or incorrect information, and are looking for confirmation about the legitimacy and intentions behind these persistent calls.

Yes, you should consider removing 8668735293 from your credit report if it's potentially inaccurate. First, confirm that this collection is indeed listed on your report. If you determine it is, you have the right to dispute it.

Disputing it on your own can be time-consuming and requires a lot of effort. To save time, we recommend reaching out to a reputable credit repair company, like The Credit Pros, for help. Good credit repair companies have the expertise and support needed to handle disputes effectively.

You should:
• Confirm the collection is on your report.
• Verify its accuracy.
• Consider disputing it if found to be inaccurate or in error.
• Contact a reputable credit repair company for expert assistance.

As a final point, make sure you confirm the listing, check its accuracy, and, if inaccurate, dispute it with the help of a reputable credit repair company.