Home / Who is 9075197369 and why are they calling me?

Who is 9075197369 and why are they calling me?

  • Phone number 9075197369 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

That number, 9075197369, can really stress you out. It probably comes from a debt collection agency, but don't freak out. Handle this carefully to protect your finances and personal info.

First, block the number to stop the nonstop calls. Then, get your free credit report from all three bureaus and look for any mistakes. If you see claims from Portfolio Recovery Associates or recognize debts, ask for written validation right away. Don't pay anything until you've verified the debt belongs to you. This way, you only deal with debts that are actually yours.

For personalized advice, call The Credit Pros at 9075197369. We'll chat with you to go over your full credit report without any hassle. Our team knows how to handle these situations and will guide you to improve your credit based on your specific needs. Taking these steps can protect you from harassment and even boost your financial health.

Who Is 9075197369: Scam Or Legitimate

9075197369 is likely a legitimate debt collection number, but you should treat it cautiously. We understand this situation can be stressful, but you've got options:

• You can block the number to stop unwanted calls
• You should pull your free credit report to check for any inaccuracies
• Don't pay anything without verifying the debt first

We advise you to take these steps:

1. You should ignore calls from this number
2. Request debt validation in writing if they contact you
3. You need to review your credit report for potential errors

Remember, you're not obligated to pay immediately, even if it's legitimate. We can help you navigate this. Our team at The Credit Pros has assisted thousands facing similar calls. We'll evaluate your credit report, dispute any inaccurate items, and work to improve your financial outlook.

Give us a call for a free 3-bureau credit report review. We'll check for negative items that might be hurting your score and guide you through the next steps, whether this is a real collection or a scam.

To wrap things up, you should stay calm and take control. Block the number, verify the debt, and let us help you improve your credit. You've got this, and we're here to support you every step of the way.

How Do I Stop 9075197369 From Harassing Me (How To Report Them)

To stop 9075197369 from harassing you, you should take immediate action. Here's what we advise you to do:

First, block the number on your phone. You can do this through your phone's settings or by contacting your service provider. This will prevent future calls from reaching you.

Next, document every interaction. You should keep a detailed log of when the calls occur and what's said. This information will be crucial if you need to file a report later.

We recommend you register your number on the Do Not Call Registry at DoNotCall.gov. It only takes about two minutes and can help reduce unwanted calls.

Filing complaints is your next step. You have several options:

• Report to the FCC at fcc.gov/complaints
• Contact the FTC at ReportFraud.ftc.gov
• Submit a complaint to the CFPB at consumerfinance.gov/complaint

If the harassment continues, you might need to take more serious action. Consider sending a cease and desist letter or even getting a restraining order. Don't hesitate to consult a harassment lawyer if you feel overwhelmed.

Your phone carrier might offer additional call-blocking tools. Give them a call to explore your options.

Lastly, check with your local or state consumer protection offices. They often have resources to help you deal with harassment.

To wrap things up, remember you're not alone in this. By taking these steps, you're protecting yourself and potentially helping others who might be targeted by the same number. Stay strong and don't let these calls disrupt your peace of mind.

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

Should I Block Or Ignore 9075197369

Yes, you should block 9075197369. We advise you to take this step to stop unwanted calls from Portfolio Recovery Associates. When you block this number, it won't hurt your credit score or cause any negative consequences. It's a smart move for you to protect yourself from potential harassment.

Here's what we recommend you do:

• Block the number on your phone
• Ignore any future calls or messages you receive
• Work with a reputable credit repair company to address any inaccuracies on your credit report

By blocking and ignoring, you're not avoiding legitimate debts. You're simply stopping unwanted contact while you handle the situation properly. A credit repair company can help you remove inaccurate negative items and guide you through the process.

Remember, your score won't drop just because you block them. If it's already on your report, it can't hurt you more. We're here to support you in taking control of your financial situation and reducing your stress.

To wrap things up, you should block 9075197369, ignore future contact, and get professional help to clean up your credit report. We believe in you – you've got this!

Can A Debt Collector Like 9075197369 Sue Me

Yes, a debt collector like 9075197369 can sue you, but it's unlikely. Debt collectors, including Portfolio Recovery Associates, usually see lawsuits as a last resort. They prefer to contact you through calls and letters first. Here's what you need to know:

• You should know that collectors must prove you owe the debt, the amount is correct, and they have the legal right to sue you. This can be challenging if your debt has been sold multiple times.

• It's important to understand that lawsuits are expensive and time-consuming for collectors. Often, they won't bother unless your debt is substantial, typically over $5,000.

• You should be aware that each state has a statute of limitations on how long a collector can sue you. If your debt is old, the time limit may have passed.

If they decide to sue, you'll receive a court summons and complaint. You must respond to avoid a default judgment, which could lead to wage garnishment or a bank account levy, although this is rare. Remember, under the Fair Debt Collection Practices Act (FDCPA), you have rights protecting you from abusive practices.

To finish up, if you ever receive a lawsuit, we strongly advise you to consult with an attorney. They can help you understand your options and potential defenses, giving you peace of mind and a clear path forward.

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

9075197369 Might Have Your Personal Information

If you receive a call from 9075197369, you should be cautious as it might be a debt collector with your personal information. We strongly advise you not to provide any details or answer the call. Instead, here's what you can do to protect yourself:

• Block the number to avoid further stress and disruption to your day.
• Get your credit reports from Equifax, Experian, and TransUnion.
• Contact a reputable credit repair company for help managing and improving your credit.

You shouldn't engage with the caller directly, as this won't resolve anything. We recommend you focus on developing a comprehensive plan to improve your credit. A credit repair company can be your best ally in this situation. They'll help you handle any inaccuracies or disputes on your credit report effectively.

It's crucial that you stay proactive in protecting your personal information. By taking these steps, you're empowering yourself to take control of your financial situation. You'll have clear actions to follow and professional support to guide you.

To finish up, remember: block the number, check your credit reports, and get expert help. We know this can be stressful, but you've got this! With these steps, you're on your way to a stronger financial future.

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

Types Of Debt Collected By 9075197369

When 9075197369 contacts you, they're attempting to collect various types of debt. This agency buys defaulted accounts from different creditors, focusing on recovering past-due balances. You might be dealing with them for consumer credit, personal loans, or other financial obligations you've fallen behind on.

Here's what you need to know about the types of debt 9075197369 typically handles:

• Consumer credit debts: These can include unpaid credit card balances or store credit accounts.
• Personal loans: If you've defaulted on a personal loan from a bank or online lender, this agency might be contacting you.
• Other financial obligations: This could cover a range of debts, from medical bills to utility payments.

It's important that you understand your rights when dealing with debt collectors. You have the right to request verification of any debt they claim you owe. Don't make any payments until you've confirmed the debt is legitimate and belongs to you.

If you're unsure about the debt they're contacting you about, we advise you to ask for a written validation of the debt. This will help you confirm its accuracy and decide on your next steps. Remember, you're in control of how you handle this situation.

To wrap things up, while 9075197369 collects various types of debt, you should always verify any claims they make before taking action. This way, you protect yourself and ensure you're dealing with legitimate debts only.

How Do I Check If I Owe Money To 9075197369

You can check if you owe money to 9075197369 by following these steps:

First, review your personal records for any final bills or account statements related to this number. This helps you gather information and avoid surprises.

Next, you should request debt validation if this debt appears on your credit report. It's your right under the Fair Debt Collection Practices Act.

We recommend you access your credit report through annualcreditreport.com. Look for entries from Portfolio Recovery Associates associated with 9075197369.

If you're worried about federal debts, you can contact the Treasury Offset Program at 800-304-3107. They'll tell you if there are any offsets on your Social Security number.

Consider talking to a consumer protection lawyer if you face harassment over disputed debts. They can help you navigate the complexities and protect your rights.

Be careful about directly contacting the collections agency without proper documentation. You might accidentally restart the statute of limitations on old debts.

To finish up, remember these key points:
• Check your records
• Request debt validation
• Review your credit report
• Contact TOP for federal debts
• Consult a lawyer if needed
• Avoid direct contact without documentation

We understand dealing with potential debts can be stressful. By following these steps, you'll be well-equipped to handle the situation and protect your financial well-being.

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

Which Debt Collection Laws And Regulations Protect Me From 9075197369

You have several legal protections against debt collectors calling from 9075197369. The Fair Debt Collection Practices Act (FDCPA) is the main federal law that shields you from abusive collection practices. This law applies to third-party collectors pursuing personal debts like credit cards, medical bills, and mortgages.

Under the FDCPA, you have the right to:

• Stop collectors from contacting you at inconvenient times (before 8 AM or after 9 PM)
• Prevent calls to your workplace if your employer doesn't allow them
• Be free from abusive language, threats, or harassment

You can request debt validation within 30 days of initial contact. The collector must then verify the debt before continuing collection efforts. You also have the power to tell the collector to stop all communication, which they must honor except for specific legal notifications.

If you believe the collector has violated the FDCPA, you can take action. You have the right to:

• Sue the collector within one year of the violation
• Report them to the Consumer Financial Protection Bureau (CFPB)
• File a complaint with the Federal Trade Commission (FTC)

Your state may offer additional protections. We recommend contacting your state attorney general's office to learn about local laws that could further safeguard your rights.

Remember, knowledge is power when dealing with debt collectors. You don't have to tolerate abusive practices or pay debts you don't owe. To wrap things up, if you're getting calls from 9075197369, know your rights, request debt validation, and don't hesitate to report any violations. You've got the law on your side!

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 9075197369/Portfolio Recovery Associates Have Any Lawsuits Against Them

Yes, Portfolio Recovery Associates (PRA) faces several lawsuits and complaints. You should be aware of the following:

The Consumer Financial Protection Bureau (CFPB) has taken action against PRA twice:

• In 2015, PRA paid over $27 million for deceptive debt collection tactics.
• In 2023, PRA faced another complaint for violating the 2015 order and engaging in illegal practices, resulting in $24 million in penalties.

You might encounter issues with PRA, including:

• Aggressive collection tactics
• Attempts to collect unsubstantiated debts
• Failure to properly resolve disputes
• Credit reporting inaccuracies

If PRA contacts you about a debt, you should demand proof before making any payments. Don't ignore their communications, as this could lead to judgments against you. We recommend seeking legal advice if you're facing a lawsuit or have complaints against PRA.

To finish up, remember that you have rights when dealing with debt collectors. Be proactive in protecting yourself by documenting all interactions, demanding debt verification, and seeking professional help if needed. You've got this!

What Do People Online Say About 9075197369

People online have shared mixed experiences about the phone number 9075197369. Here's what you need to know:

You'll find many users complaining about frequent, annoying calls from this number. For example, Reddit user "JSmith42" mentioned: "They call me almost daily. It's so annoying." Another user, "lara_k," expressed concern: "I got a call from this number. They didn't leave a message. Should I be worried?"

You should be aware that this number is associated with a debt collection agency. "SarahK89" shared: "I answered once, and it was a debt collector. Now they keep calling. Ugh." This explains why many people find these calls stressful and intrusive.

We understand dealing with persistent calls can be frustrating. Here's what we advise you to do:

• Block the number on your phone to stop receiving calls
• Check your credit report for any inaccuracies
• Consider working with a reputable credit repair company if needed

You have the right to request that they stop contacting you. "MikeH" on 800notes commented: "This is ridiculous. I keep telling them to stop calling, but they don't listen." If you face a similar situation, you can send a written request to cease communication.

To finish up, remember you're not alone in this situation. You can take control by blocking the number, verifying any debts, and asserting your rights. We're here to support you through this process.

Do I Really Need To Remove 9075197369 From My Credit Report

Yes, you should remove 9075197369 from your credit report if it's potentially inaccurate. Don't waste your time disputing on your own - it's time-consuming and draining. Instead, we recommend you reach out to a reputable company like The Credit Pros for help. We can save you hours of effort and maximize your chances of removing this item.

You should avoid typical credit repair companies - most are scammy and ineffective. A good credit repair service, though rare, can make a huge difference for you. They'll handle the complex process of challenging potentially inaccurate negative items on your behalf.

Here's what we advise you to do:

• Confirm the collection is actually on your report
• Don't pay without verifying the debt first
• Block the number to stop harassing calls
• Let us handle disputes to save you time and stress

We understand dealing with collections is frustrating, but you're not alone in this. You can take steps to work towards a cleaner credit report and less financial stress. To wrap things up, remember that with the right help, you can tackle this issue head-on and improve your financial situation.

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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