Who is 8884694520 and why are they calling me?

The phone number 888-469-4520 is linked to a debt collection agency called Consumer Portfolio Services Inc. These calls can be annoying and sometimes feel harassing. It's important that you don't engage directly with the caller. Here's what we advise you to do if you receive calls from this number:

1. Do not pay any debt immediately or give out any personal information.
2. Pull your credit report and check for any negative items related to this number.
3. If you find an entry from Consumer Portfolio Services Inc., it might be legitimate, but it's still best to proceed cautiously.
4. Contact a credit repair company like The Credit Pros for a free credit report evaluation to identify and dispute any inaccuracies.
5. Block the number and document any interactions you have with them.

Remember, you have rights under the Fair Debt Collection Practices Act (FDCPA), and companies like The Credit Pros can help you verify and dispute debts.

To sum up, if you receive calls from 888-469-4520, don't engage directly. Check your credit report, contact a credit repair company if needed, and block the number. Stay calm and take informed steps to protect your financial health.

If you're being harassed by calls from 888-469-4520, here's what you should do to stop them and report the number:

First, document everything. Note down each call with dates, times, and any offensive language used.

Next, register your number at DoNotCall.gov to get on the Do Not Call Registry and block the number via your phone settings or by contacting your service provider for assistance.

Consider using call-blocking apps. For Android, try 'Call Blocker - Stop spam calls' and for Apple, 'Robokiller: Spam Call Blocker'.

You can also send a cease and desist letter. Use a template from eforms.com/cease-and-desist, include your information, and send it via certified mail for proof of receipt.

File complaints:
- FCC: If it's an illegal robocall or your number is spoofed. File at fcc.gov/complaints.
- FTC: For telemarketing calls or Do Not Call Registry issues. Report at ReportFraud.ftc.gov.
- CFPB: For debt collection harassment. Submit online at consumerfinance.gov/complaint.

Lastly, contact your phone carrier and ask about additional call-blocking tools and options. If the harassment persists, consult a harassment lawyer, as harassment violates federal and state laws.

To wrap things up, document all calls, register on the Do Not Call list, use call-blocking apps, file complaints with the relevant agencies, and consider consulting a lawyer. These steps will help you stop harassment from 888-469-4520 and regain peace.

You should block or ignore 888-469-4520. Blocking this number helps you avoid constant interruptions and stress from potential spam or debt collection calls. Ignoring the calls won’t hurt your credit score, especially if the debt isn’t yours or has been dealt with.

If the number belongs to a debt collector and they continue to harass you, blocking them is a smart move. We advise you to work with a reputable credit repair company like Credit Pros to remove any inaccurate negative items from your credit report. Blocking calls from 888-469-4520 won’t harm your credit score, and any collection already on your credit report has already done its damage.

Here are some clear actions you can take:

- Block the Number: Contact your phone service provider to block 888-469-4520.
- Work with a Credit Repair Company: Get in touch with a service like Credit Pros to resolve credit report issues.
- Assert Your Rights: Know and exercise your rights under the Fair Debt Collection Practices Act (FDCPA). Send a written request to the caller to stop contacting you.

In the end, blocking or ignoring 888-469-4520 will help you avoid stress, so you can focus on other important matters.

Yes, a debt collector like 8884694520 can sue you, although it is unlikely. Debt collectors usually opt for lawsuits as a last resort, particularly if the amount owed exceeds $5,000. Suing involves costs and time, and they must prove you're responsible for the debt, verify the amount, and establish their right to sue.

You should know about the statute of limitations, which varies by state. If your debt is old enough, legal action might not be an option. Typically, debt collectors will try to get you to pay through calls and letters first.

If a lawsuit happens, you will receive a court summons. It's crucial that you respond to avoid a default judgment, which can lead to wage garnishment or bank account levies, though this scenario is rare.

You have rights under the Fair Debt Collection Practices Act (FDCPA) to protect you from abusive practices. If you're sued, we advise you to consult an attorney to understand your options and defenses.

As a final point - always address any court summons promptly to avoid severe consequences and don't hesitate to seek legal advice to protect your interests under the FDCPA.

8884694520 Might Have Your Personal Information. Here’s What You Should Do:

- Don't provide any information: Debt collectors can use your information against you. It's safer if you avoid picking up calls from 888-469-4520.
- Let it go to voicemail: If it's important, they'll leave a message. This way, you avoid risking any personal details.
- Check your credit report: Get your 3-bureau report. You can see if there’s any collection account from Consumer Portfolio Services Inc. This helps you identify any inaccuracies or unauthorized entries.
- Work with a reputable credit repair company: Firms like Credit Pros can help you. They have experience dealing with debt collectors and can help remove negative items from your credit report. Professionals save you time, reduce stress, and improve your credit report.
- Block the number: Most phone service providers allow you to block specific numbers like 888-469-4520.

Bringing it all together - Avoid sharing personal info, let the calls go to voicemail, check your credit report, consider a reputable credit repair company, and block the number to protect your data and maintain your credit health.

888-469-4520 is associated with Consumer Portfolio Services Inc., a debt collection agency. They specialize in collecting auto loan debts. They purchase these debts from various creditors and work to recover the outstanding amounts. If you’re getting calls from this number, it’s likely about an unpaid auto loan.

You should know that this agency primarily focuses on automobile financing debts. Understanding this can help you address the situation effectively.

All things considered, if you're receiving calls from 888-469-4520, it is most likely related to an unpaid auto loan. It's important to recognize and handle this auto loan debt accordingly.

To check if you owe money to 888-469-4520, here’s what you should do:

1. Check Your Credit Reports: Look at your credit reports from Experian, TransUnion, and Equifax, which you can get for free at AnnualCreditReport.com. This will show any collections accounts, including those from 888-469-4520.
2. Inspect Your Records: Go through your personal records for any final bills, account statements, or equipment return receipts that might indicate an outstanding balance.
3. Request Debt Validation: If you see a collection account from 888-469-4520 on your credit report, request validation from the collections agency. This will confirm the debt's accuracy and legitimacy.
4. Dispute Inaccuracies: If you find incorrect information, dispute it with the credit bureaus. This may be time-consuming and require consistent follow-up, but it's crucial to resolve inaccuracies.
5. Avoid Direct Contact: It's important that you don’t directly contact 888-469-4520 about your debt. This could restart the statute of limitations and lengthen the time it stays relevant.
6. Consult a Lawyer: If you face harassment or have disputes over the debt, consider consulting a consumer protection lawyer to understand your legal rights.

Lastly, be proactive by gathering your documents and checking your credit reports to confidently manage and resolve any debt issues.

To protect yourself from debt collection calls from 888-469-4520, several laws and regulations can help you. Here's what you need to know:

Fair Debt Collection Practices Act (FDCPA): This federal law prohibits abusive, deceptive, or unfair collection practices. Debt collectors can't contact you before 8 AM or after 9 PM, use abusive language, threaten you, or misrepresent themselves. They also can't disclose your debt to third parties or demand more money than you owe. If you ask them to stop contacting you in writing, they must comply.

State Debt Collection Laws: Many states have additional protections. For example, some states require debt collectors to be licensed. You should check your state's laws for specific protections.

Required Disclosures: Under the FDCPA, debt collectors must send you a written notice detailing the debt, including the amount owed and the creditor's name. If you dispute the debt in writing within 30 days, they must verify it and stop collecting until they do.

Your Consumer Rights: You can demand that debt collectors stop contacting you, except under certain conditions like informing you of legal actions. If they violate the FDCPA, you have one year to sue and can recover damages plus attorney fees. You should also report violations to the FTC, CFPB, or your state attorney general.

You might also consider contacting your phone service provider to block the number or consulting a consumer protection attorney. Keeping detailed records of all communications with the debt collector is crucial for protecting your rights.

Finally, to manage calls from 888-469-4520, you need to utilize the FDCPA, check your state's laws, demand written debt verification, and consider blocking the number while keeping detailed records.

Yes, Consumer Portfolio Services Inc. has been involved in multiple lawsuits. Here are some examples:

- Kareem Shareef v. Consumer Portfolio Services Inc.: You should know that Kareem Shareef alleged violations of consumer protection statutes linked to the repossession of his vehicle. The case was dismissed without prejudice.
- Teaonna Holloman v. Consumer Portfolio Services Inc.: In this instance, Teaonna Holloman accused the company of violating the Maryland Consumer Debt Collection Act, Maryland Consumer Protection Act, and the Fair Debt Collection Practices Act.
- Case 3:15-cv-01378-WJN: Here, a Pennsylvania resident sued Consumer Portfolio Services Inc. for violating the FDCPA due to repeated harassing calls and not providing a debt validation letter.
- Gabriella Mone Greene v. Velocity Investments LLC A/A/O Consumer Portfolio Services Inc.: This case involved a dispute over debt collection practices.

You should also be aware of the official complaints against them:

- Better Business Bureau (BBB): There are 77 complaints with various issues reported.
- Consumer Financial Protection Bureau (CFPB): They have 2,398 complaints regarding debt collection practices as of September 2019.

In closing, if you're dealing with Consumer Portfolio Services Inc., know your rights and consider seeking legal help to address any harassment or unfair practices.

People online have mixed opinions about the phone number 888-469-4520, associated with Consumer Portfolio Services Inc.

You can see varied experiences on Reddit:

- User “constantlycalled123” said: "They called me every day for weeks. I told them multiple times they had the wrong person!"
- User “NotMyDebtJoe” commented: "They keep asking for info on a friend who passed away years ago. It's really distressing."
- User “DebtFreeSoon999” shared: "Got a call from 888-469-4520 about a debt I supposedly owe. Turns out it was a mistake. Very annoying."

On PissedConsumer.com, reviews are similarly divided:

- User "AngryCustomer12" stated: "DO NOT USE THEM! They are very unprofessional and give you the runaround when you try to resolve issues.”
- User "FrustratedButHopeful" said: "Consumer Portfolio responded to my email and finally changed my due date after months of trying."

On a complaints board, User "SickOfScams" mentioned: "Debt collector for Tonya Simmons called and left a voicemail. They spoke too softly and were hard to understand."

User "StressedOut" on PissedConsumer.com noted: "Never deal with them. They will screw you over. I would have never financed my car with them if I knew it would be this bad."

Overall, people say that if you’re receiving calls from 888-469-4520, you should verify the debt, document interactions, and know your rights under the Fair Debt Collection Practices Act to handle any issues effectively.

Yes, you should consider removing 8884694520 from your credit report, especially if it's "potentially inaccurate." Confirm that this collection indeed appears on your credit report and ensure it might be incorrect or outdated. Dealing with this on your own can be incredibly time-consuming and exhausting.

Instead of spending hours on disputes, you might want to reach out to a reputable credit repair company, like The Credit Pros, who can assist you efficiently. Avoid typical credit repair companies as most are poorly rated and may not do a good job.

A good credit repair company can significantly improve your chances of removing potentially inaccurate negative items. You can save yourself the hassle, protect your credit score, and ensure your report’s accuracy by seeking professional help.

As a final point, remember that confirming the accuracy of your credit report and possibly enlisting professional help can make a big difference in maintaining a good credit score and a correct report.

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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.

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