Home / Who is 9164356602 and why are they calling me?

Who is 9164356602 and why are they calling me?

  • Phone number 9164356602 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

When you see 9164356602 on your caller ID, expect a call from a debt collection agency, possibly Portfolio Recovery Associates. This can feel stressful, especially if you doubt the debt or its legitimacy. Don't freak out—take these steps to protect yourself and tackle the issue directly.

First, block the number to stop repeated harassment. Then, check your credit report for any inaccuracies related to this debt. Document each call with the date and time, and never share personal information over the phone. The goal is to verify if the debt is yours and to ensure your rights are protected under the Fair Debt Collection Practices Act.

For personalized help, call The Credit Pros at 916-435-6602. We'll review your entire 3-bureau credit report and guide you through the situation. Whether disputing errors or negotiating with creditors, we're here to make the process simpler and less stressful. Take charge of your financial health and call us today!

Who Is 9164356602: Scam Or Legitimate

When you receive a call from 9164356602, it's likely a debt collection agency, but it could also be a scam. You shouldn't engage with the caller directly. If you're unsure about the debt, you don't have to pay immediately. Here's what we advise you to do instead:

• Block the number to reduce stress and prevent further disruptions to your day
• Pull your credit report to check for any inaccuracies or unfamiliar entries
• Let us help you with a free evaluation of your credit across all three bureaus

Whether this is a legitimate call or not, your next steps remain the same. We've helped thousands of people in similar situations to yours. If you see this number show up as a collection on your report, it's probably real - but you still shouldn't respond to them directly.

We can help you verify any debt, dispute potential errors, and improve your overall financial outlook. Give us a call, and we'll guide you through the process of enhancing your credit safely and effectively.

To wrap things up, remember that you're not alone in this situation. Block the number, check your credit report, and reach out to us for personalized support. We're here to help you navigate this challenge and boost your financial health.

How Do I Stop 9164356602 From Harassing Me (How To Report Them)

If you're being harassed by calls from 9164356602, here's what we advise you to do:

First, you need to document everything. Keep a detailed log of each unwanted call you receive. Note down the date, time, and any abusive language used.

Next, you should register your number at DoNotCall.gov. It only takes a couple of minutes and can help prevent future unwanted calls.

We recommend you block the number using your phone's call-blocking feature. If you're not sure how to do this, contact your service provider for help. You can also download call-blocking apps:

• For Android, try 'Call Blocker - Stop spam calls.'
• For Apple, use 'Robokiller: Spam Call Blocker.'

It's crucial that you file complaints to stop the harassment:

• Report illegal robocalls or number spoofing to the FCC at fcc.gov/complaints.
• Report violations of the Do Not Call Registry to the FTC at DoNotCall.gov/report.html.
• Submit a complaint to the CFPB online at consumerfinance.gov/complaint, call (855) 411-2372, or mail them a letter.

If the harassment persists or includes threats, you might need to take legal action:

• Consider obtaining a restraining order through your local court.
• Consult a lawyer who specializes in harassment cases. They can help you navigate specific laws and possibly take legal action.
• Send a cease and desist letter using a template from eforms.com.

To wrap things up, remember you're not alone in this. By following these steps, you can take control of the situation and put an end to the harassment. Stay strong and don't hesitate to reach out for help if you need it.

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

Should I Block Or Ignore 9164356602

Yes, you should block 9164356602. Here's why:

You'll stop unwanted calls from Portfolio Recovery Associates when you block this number. Blocking doesn't hurt your credit score, and it protects you from potential harassment.

We advise you to:

• Block the number immediately
• Don't engage with them directly
• Work with a reputable credit repair company

When you block the number, you won't make the debt disappear, but you'll gain control. A credit repair company can help you remove inaccurate items from your report. Remember, you're not obligated to speak with collectors. Your peace of mind matters.

We understand this is stressful for you. By blocking the number, you're taking a positive step. Let us help you handle the rest. With the right support, you can improve your financial situation and reduce your stress.

To finish up, you should block 9164356602 right away, avoid direct contact, and consider getting help from a credit repair company. We're here to support you through this process and help you regain control of your financial situation.

Can A Debt Collector Like 9164356602 Sue Me

Yes, a debt collector like 9164356602 can sue you, but it's very unlikely. You should know that collectors typically use lawsuits as a last resort, often when you owe a substantial amount, usually over $5,000. They 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 changed hands multiple times.

Suing is expensive and time-consuming, so many collectors prefer to settle out of court with you to avoid these costs. Each state has a specific time frame (statute of limitations) within which a debt collector can sue you. If your debt is old, it might be beyond this period, making a lawsuit less likely.

You'll find that debt collectors usually try other methods like calls and letters to collect from you first. If they do decide to sue, you will receive a court summons and complaint. It's crucial that you respond to this within the specified deadline to avoid a default judgment against you. This judgment could lead to wage garnishment or bank account levies, but again, this is very unlikely.

You have rights under the Fair Debt Collection Practices Act (FDCPA) which protect you from abusive or deceptive practices by debt collectors. We strongly advise you to consider these key points:

• You should always verify the debt's legitimacy before taking any action.
• It's important that you know your rights under the FDCPA to protect yourself.
• You can request debt validation to ensure the collector has the right to pursue the debt.

To finish up, remember that while a debt collector can technically sue you, it's not their first choice. You have rights and options available to you. If you're concerned, we recommend you consult with an attorney to understand your specific situation and potential defenses.

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

9164356602 Might Have Your Personal Information

The number 9164356602 might have your personal information because it's likely a debt collector. Here's what we advise you to do:

You should never give out any personal information to debt collectors like this one. Scammers can use your details for identity theft, so it's crucial that you protect yourself.

It's best that you don't answer calls from unknown numbers. Let them go to voicemail instead. Debt collectors can be persistent, and you might unintentionally provide information they could use against you.

Even if you ignore these calls, you still need to take control of your financial health. We recommend that you:

• Get your 3-bureau credit report
• Start crafting a plan to improve your credit
• Address any inaccuracies or issues you find

Working with a reputable credit repair company is a smart move for you. They can help you:

• Dispute errors on your credit report
• Negotiate with your creditors
• Guide you in maintaining or improving your credit score

This approach can save you time and hassle in the long run.

To wrap things up, remember that you're in control. By being cautious with your personal information and proactive about your credit health, you're taking key steps to protect yourself and secure your financial future.

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

Types Of Debt Collected By 9164356602

9164356602 collects various types of debts from you, including unpaid loans, credit card balances, medical bills, utility charges, and government debts. They often acquire these debts from creditors who haven't been able to collect payments from you for several months.

You should know that debt collection agencies like this one typically purchase delinquent debts at a discount. When they contact you, they're trying to recover the full amount owed, plus potential interest and fees.

It's crucial that you understand your rights under the Fair Debt Collection Practices Act (FDCPA) when dealing with debt collectors. This law protects you from unfair or abusive collection practices. Here are some key points you should know:

• You have the right to request debt verification
• Collectors can't harass or threaten you
• They're limited in when and how often they can contact you

If you're unsure about a debt's validity or the collection agency's practices, you should seek legal advice or contact a consumer protection agency.

To wrap things up, remember that you're not alone in dealing with debt collectors. You have rights, and there are resources available to help you navigate this situation. Don't hesitate to reach out for assistance if you need it.

How Do I Check If I Owe Money To 9164356602

To check if you owe money to 9164356602, you should follow these steps:

First, you need to review your credit reports. You can access your reports from Experian, Equifax, and TransUnion at AnnualCreditReport.com for free. When you look at these reports, you'll see any debts that have been sent to collections, along with the name of the collection agency.

Next, we recommend that you check your personal records. Look through your final bills, account statements, and any equipment return receipts. You should verify all notices of unpaid bills or collections letters you've received. This will help you spot any potential debts you might have forgotten about.

If you find a debt on your credit report or receive a collection call, it's crucial that you request debt validation from the collections agency. This will confirm if the debt is legitimate and provide you with important details.

It's also important that you verify the legitimacy of the collection agency. We suggest you search for the agency online and contact them directly through verified means. This step will help you avoid falling victim to potential scams.

If you're facing harassment or you dispute the debt, you should consider consulting a consumer protection lawyer. They can provide you with guidance tailored to your specific situation.

• You should review your credit reports from all three major bureaus.
• Check your personal financial records for any unpaid bills.
• Request debt validation if you find a suspicious debt.

To finish up, remember that you're taking proactive steps to protect your credit and financial well-being. By following these steps, you'll be able to determine if you truly owe money and handle the situation effectively.

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

Which Debt Collection Laws And Regulations Protect Me From 9164356602

The Fair Debt Collection Practices Act (FDCPA) is the main federal law that protects you from abusive, deceptive, or unfair debt collection practices by third-party debt collectors like Portfolio Recovery Associates. You're protected for personal, family, and household debts, but not business debts. The FDCPA prohibits debt collectors from:

• Contacting you at inconvenient times (before 8 AM or after 9 PM)
• Contacting you at work if your employer forbids it
• Using abusive language or making threats
• Harassing you or falsely representing themselves
• Disclosing your debt to third parties
• Demanding payments larger than what you owe

Under the FDCPA, you have the right to receive a written validation notice about your debt. If you dispute the debt in writing within 30 days, the collector must stop collecting until they provide verification.

If you live in California, you benefit from additional protections under the Rosenthal Fair Debt Collection Practices Act and the Debt Collection Licensing Act. These laws extend protections to include original creditors and require debt collectors to be licensed.

You can stop communication from debt collectors by sending a written request. If you have an attorney, the collector must communicate only with them. You have the right to sue debt collectors for FDCPA violations within one year and recover damages plus attorney fees and costs.

To finish up, remember that you can report violations to the FTC, CFPB, your state attorney general, and other authorities for enforcement actions. We understand dealing with debt collectors can be stressful, but you have strong legal protections 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 9164356602/Portfolio Recovery Associates Have Any Lawsuits Against Them

Yes, Portfolio Recovery Associates (PRA) has faced numerous lawsuits and official complaints related to their debt collection practices. Here's what you need to know:

The Consumer Financial Protection Bureau (CFPB) has taken action against PRA twice. In 2015, they ordered PRA to pay over $27 million for deceptive practices. In 2023, PRA faced another $24 million fine for continued illegal activities, including suing for time-barred debts.

You should be aware of several class action and individual lawsuits against PRA. For example, the Toohey v. Portfolio Recovery Associates class action accused PRA of obtaining default judgments without sufficient evidence. Individual cases often result in settlements for less than the original amount sued for.

If you've been contacted by PRA, you're not alone. They've faced hundreds of consumer complaints about harassment, failure to investigate disputes, and misrepresentation in credit reports.

To finish, if PRA has reached out to you or filed a lawsuit, we strongly recommend you consult with a legal professional. They can help you understand your rights and guide you through the best course of action to protect yourself.

What Do People Online Say About 9164356602

Based on online reports, the phone number 9164356602 appears to be associated with aggressive debt collection practices. Here's what you need to know:

You might receive repeated, intrusive calls from this number. Many users report that the caller demands personal information or payment for alleged debts. This behavior is concerning and potentially illegal.

We advise you to take these steps to protect yourself:

• Don't share any personal information over the phone
• Block the number on your device to stop future calls
• If they claim you owe a debt, request written verification before taking any action
• Report the number to the Federal Trade Commission if you believe it's a scam

Remember, you have rights when it comes to debt collection. Legitimate collectors must follow specific rules and can't harass you. If you're unsure about a debt, you can request validation in writing.

To finish up, you should prioritize your privacy and financial security. Block the number, document any interactions, and don't hesitate to seek help from a credit counselor or attorney if needed. We're here to support you through this stressful situation.

Do I Really Need To Remove 9164356602 From My Credit Report

You definitely need to remove 9164356602 from your credit report if it's potentially inaccurate. Don't waste your time disputing it yourself - it's tedious and time-consuming. Instead, you should consider reaching out to a reputable credit repair company like The Credit Pros. We can save you hours of effort and maximize your chances of removing this potentially inaccurate negative item.

Most credit repair companies are scams, but a good one can make a world of difference for you. You should avoid typical firms that overpromise and underdeliver. We understand that dealing with collection accounts is stressful for you. Here's what we advise you to do:

• Confirm if the collection is actually on your report
• Check if it's potentially inaccurate
• Don't pay without proper verification
• Block the number to reduce your stress
• Let us handle disputes and inaccuracies for you

When you work with experts, you give yourself the best shot at improving your credit. We'll review your entire report, not just this single item. Our goal is boosting your score and overall financial health.

Remember, you have rights under the Fair Credit Reporting Act. You should ensure that inaccurate info is removed. We're here to guide you through the process and fight for a fair, accurate credit report for you.

To wrap things up, you should take action now to protect your credit. Let us help you remove inaccuracies and improve your financial future.

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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