Who is 9167553656 (+ how are they hurting my credit score)

If you've received a call from 916-755-3656, it is linked to Portfolio Recovery Associates, a known debt collection agency. While this might be a legitimate call, it could also be a scam. You should not engage with the caller directly, whether it's a legitimate debt collector or a scammer. Never feel obligated to pay any debt immediately, especially if you're unsure about its validity.

Here's what we advise you to do:
- Pull your credit report to check for any potentially inaccurate, negative items.
- If you spot any collections or negative items related to this number on your report, it might be a legitimate call. Still, don't respond directly.
- Contact us at The Credit Pros for a free evaluation of your credit report across all three bureaus. We can help verify any debt from this collector, dispute any inaccurate negative items, and improve your overall financial situation.

To sum up, make sure you check your credit report, avoid direct engagement with the caller, and contact The Credit Pros for assistance. By taking these steps, you can stay safe and take control of your financial health.

To stop 9167553656 from harassing you and report them effectively, follow these steps:

First, you should document every instance of harassment. Keep a detailed log with dates, times, and what was said during each call.

Next, register your number with the Do Not Call Registry at DoNotCall.gov. This helps to minimize unwanted calls. Additionally, you can block the number through your phone settings or by contacting your service provider.

You should also use call-blocking apps:
- For Android: Download 'Call Blocker - Stop spam calls'.
- For iPhone: Use 'Robokiller: Spam Call Blocker'.

Then, file a complaint with the FCC at fcc.gov/complaints specifying that the calls are unwanted.

You can report telemarketing issues to the FTC at ReportFraud.ftc.gov or unwanted calls at DoNotCall.gov.

If the harassment persists or escalates, contact local law enforcement for assistance. Consider speaking to a harassment lawyer about legal action, such as obtaining a restraining order or sending a cease and desist letter using eforms.com.

For those in the UK, forward the harassing number to 7726 to alert your mobile provider.

To wrap things up, make sure to document the harassment, use call-blocking apps, and report the number to the relevant authorities to effectively stop 9167553656 from harassing you.

You should block 9167553656. Ignoring calls from this number can cause continuous disruptions, especially if it’s a debt collector. Blocking them can stop the harassment and reduce stress.

We advise you to take these steps:
• Block the number to prevent future calls.
• Contact a reputable credit repair company for professional assistance.
• Regularly review your credit report for any inaccuracies.

In the end, you should block the number, seek expert help from a credit repair company, and monitor your credit report regularly to manage the situation and reduce stress.

Yes, a debt collector like 9167553656 can sue you, although it’s quite rare. Typically, they pursue legal action as a last resort, especially if the debt is substantial, often over $5,000. They must prove you owe the debt, the amount is correct, and they have the right to sue, which can be challenging, especially if the debt has changed hands multiple times.

Debt collectors prefer settling out of court to avoid the costs and effort of a lawsuit. Many debts may be beyond the statute of limitations, meaning they can’t sue for it anymore.

If you do get sued, you’ll receive a court summons and complaint. You must respond to avoid a default judgment, which could lead to wage garnishment or bank account levies, but this is unlikely.

Remember your rights under the Fair Debt Collection Practices Act (FDCPA). If you receive a lawsuit, it’s a good idea to consult an attorney. Always verify any debt before paying or sharing personal information to avoid scams.

As a final point, always know that while debt collectors can technically sue, it’s a rare last resort. Respond promptly to court documents, verify debts, and consult an attorney when needed to protect yourself.

Do not provide any personal information to debt collectors with numbers like 9167553656. You should avoid engaging with calls from companies like Portfolio Recovery Associates to protect yourself from harassment or scams. Instead, block the number immediately.

Whether 9167553656 has your personal information or not, obtaining your 3-bureau credit report is crucial. By working with a reputable credit repair company, you can address any inaccuracies or disputes on your credit report. This ensures your financial health remains intact.

Here's what you should do:
• Block the number.
• Obtain your 3-bureau credit report.
• Collaborate with a reputable credit repair company.

Bringing it all together: Block the number, get your credit report, and work with a credit repair company to safeguard your personal information and boost your credit health.

The types of debt collected by 916-755-3656 include past-due credit card bills, auto loans, and cell phone bills. They handle debts sold or assigned to them for collection. Additionally, they may manage other forms of personal and consumer debt. Make sure you receive detailed information about the debt before making any payments.

You should always verify the debt details to ensure accuracy and legitimacy. If you have any doubts, it’s essential to request a debt validation letter. This will provide you with the necessary information to confirm the debt.

Engaging with 916-755-3656 can be necessary, but you should remain cautious. Ensure that you know your rights and obligations before making any commitments.

All things considered, verifying the debt details and understanding your rights are crucial steps to managing the types of debt collected by 916-755-3656 effectively.

To check if you owe money to 916-755-3656, follow these steps:

1. Avoid Direct Contact: Don’t call the number directly as this might reset the statute of limitations on old debts.
2. Check Your Records: Look through your final bills, account statements, and equipment return receipts for any clues.
3. Credit Report: Get your credit report and review it for any entries related to this debt.
4. Debt Validation: If you find a debt from Portfolio Recovery Associates on your credit report, request debt validation from them.
5. Legal Help: If you're facing harassment or disputed debts, consider consulting a consumer protection lawyer.

Make sure you gather all necessary documentation before reaching out to avoid any issues with inaccurate collection efforts impacting your credit. This way, you’re being proactive and protecting yourself.

Lastly, to ensure you protect yourself, avoid direct contact, check your records, review your credit report, validate the debt, and consult a lawyer if needed.

You are protected by several debt collection laws and regulations from the number 9167553656, likely linked to Portfolio Recovery Associates. The main law you should know is the Fair Debt Collection Practices Act (FDCPA). This federal law stops debt collectors from using abusive, deceptive, or unfair practices for personal, family, and household debts like credit cards, auto loans, medical bills, and mortgages.

Debt collectors cannot:
• Call before 8 AM or after 9 PM.
• Contact you at work if your employer disallows it.
• Use obscene or abusive language.
• Threaten you with violence or crimes.
• Harass you with repeated calls.
• Pretend to be someone they're not (like attorneys or government officials).
• Tell others about your debt without permission.
• Demand more money than you owe.

They must provide you with a written validation notice detailing the debt, including the amount and the creditor's name. If you write to dispute the debt within 30 days, they must verify it and stop collection efforts until they do. All communication should include a disclosure that it's an attempt to collect a debt.

You can also:
• Tell them to stop contacting you in writing.
• Direct them to talk to your attorney if you have one.
• Sue them within a year for FDCPA violations to recover damages plus attorney fees.

Different states might offer extra protections, so you should check your local laws as well. For further help, report violations to the FTC, CFPB, or your state attorney general.

Finally, remember that you have rights and protections under the FDCPA and possibly state laws, ensuring that you can challenge any unfair debt collection practices confidently.

Yes, Portfolio Recovery Associates (PRA) has faced several lawsuits and official complaints.

You should know about two significant legal actions against PRA:
- In 2015, the Consumer Financial Protection Bureau (CFPB) ordered PRA to pay over $27 million for deceptive debt collection practices.
- In 2023, the CFPB again took action against PRA for violating the 2015 order. They had to pay more than $24 million, including consumer refunds and penalties.

Additionally, PRA has been repeatedly accused of:
- Collecting unsubstantiated debt and threatening legal action without proper documentation.
- Failing to investigate and resolve consumer disputes accurately.

In closing, PRA has a history of legal and regulatory issues in their debt collection practices, such as deceptive practices and poor handling of consumer disputes.

People online have shared various opinions about 9167553656. Here are some specific quotes from different users:

1. User: pornfolio - '5 back to back calls with no voicemail' (Source: Robokiller)
2. Multiple users on Robokiller have reported receiving repeated spam calls from this number without any voicemails left.

It's evident that 9167553656 is considered an annoying spam caller. If you ignore them, these calls might disrupt your day, and the lack of voicemails suggests they are persistent and possibly automated. This indicates the number could be linked to a debt collection effort.

You should use call blocking apps or services like Robokiller or Nomorobo to manage this issue effectively. These apps reduce the nuisance by blocking unwanted calls.

Overall, if you receive calls from 9167553656, use strategies like call blocking to minimize disruptions and ensure peace of mind.

Yes, you should consider removing 9167553656 from your credit report if it’s inaccurate. Removing incorrect data can boost your credit score and expand your financial options. Handling this on your own can be tedious and time-consuming. Though many credit repair companies are unreliable, a reputable one like The Credit Pros can bring valuable expertise and support.

First, check your credit report for accuracy at annualcreditreport.com. Next, dispute any inaccuracies directly with the credit bureaus. Finally, consider professional help to manage disputes efficiently and effectively.

As a final point, it’s crucial that you identify and dispute any errors on your credit report, and professional guidance can make this process smoother and more effective.

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