Who Is 9035938790? (How They Affect Your Credit Score)

Who Is 9035938790 (How Are They Hurting My Credit Score)?

If you're seeing 9035938790 on your caller ID or credit report, you're likely dealing with a debt collection agency. These agencies purchase debts – often for pennies on the dollar – from original creditors like banks, credit card companies, or even hospitals. Then, they aggressively pursue repayment, which can negatively impact your credit score in several ways. Firstly, the debt itself, if unpaid, will remain on your credit report for up to seven years, lowering your score. Secondly, frequent contact from 9035938790 can lead to stress and anxiety, potentially causing you to ignore the issue, further damaging your credit. It's crucial to understand your rights and how to respond to debt collectors to protect your financial well-being. Ignoring them won’t make them go away; it will only worsen the situation. This page aims to equip you with the information you need to deal with 9035938790 effectively and responsibly.

Is 9035938790 a Scam or Legitimate?

Determining the legitimacy of a debt collection agency like 9035938790 requires careful investigation. While some agencies operate legitimately, others engage in deceptive practices or even outright scams. Do not automatically assume a call is legitimate just because the person on the line makes demands. Here's how to determine if 9035938790 is legitimate: * **Request Written Validation:** Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request validation of the debt. * **Check Your Credit Report:** Review your credit reports from Equifax, Experian, and TransUnion to see if the debt is listed. * **Verify the Agency's Licensing:** Check with your state's Attorney General's office or consumer protection agency to see if 9035938790 is licensed to operate in your state. * **Be Wary of High-Pressure Tactics:** Legitimate debt collectors typically don't use threats or harassment. * **Never Provide Personal Information Unsolicited:** Be cautious about providing sensitive information like your social security number or bank account details unless you are certain of the agency's legitimacy.

How Do I Stop 9035938790 From Harassing Me (How to Report Them)

Constant calls and threatening letters from 9035938790 can be incredibly stressful. Fortunately, you have the right to protect yourself from harassment. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are prohibited from using abusive, unfair, or deceptive practices. If you believe 9035938790 is violating your rights, you can take the following steps: * **Send a Cease and Desist Letter:** This legally instructs the debt collector to stop contacting you. * **Keep a Record of All Communication:** Document the date, time, and details of each call or letter you receive. * **File a Complaint with the CFPB:** The Consumer Financial Protection Bureau (CFPB) investigates debt collection complaints. * **File a Complaint with the FTC:** The Federal Trade Commission (FTC) also regulates debt collection practices. * **Consider Legal Action:** If the harassment is severe or persistent, you may want to consult with an attorney about suing the debt collector.

Should I Block or Ignore 9035938790?

The temptation to simply block or ignore 9035938790 is understandable, but it's generally not the most effective strategy. Ignoring the problem won’t make it disappear and could ultimately lead to more serious consequences, like a lawsuit. However, that doesn't mean you have to engage with them endlessly. * **Assess the Situation:** Have they validated the debt? Do you believe you owe the debt? * **Blocking After Cease and Desist:** Once you've sent a cease and desist letter, blocking their number is a reasonable course of action. * **Document Everything:** Even if you block the number, keep records of any written communication they send. * **Consider Professional Advice:** Consulting with a credit counselor or attorney can help you determine the best approach. * **Ignoring Can Lead to Legal Action:** Keep in mind they could sue you even if you block their number.

Can A Debt Collector Like 9035938790 Sue Me?

Yes, a debt collector like 9035938790 absolutely can sue you to recover the debt they claim you owe. This is a serious matter that requires immediate attention. While not every debt collector will pursue legal action, it's crucial to understand the potential consequences and how to respond appropriately. * **Validate the Debt:** Before anything else, ensure the debt is valid and that they have the legal right to collect it. * **Don't Ignore a Summons:** If you receive a summons and complaint, don't ignore it. This is a legal document requiring a response within a specific timeframe. * **Consult with an Attorney:** Seek legal advice from a qualified attorney to understand your rights and options. * **File an Answer:** Respond to the lawsuit by filing an answer with the court, disputing the debt or raising any available defenses. * **Negotiate a Settlement:** You may be able to negotiate a settlement with the debt collector to resolve the debt for a reduced amount.

9035938790 Might Have Your Personal Information

Debt collectors, including 9035938790, often possess a significant amount of personal information about you, which they use to try and collect on debts. This information may include your name, address, phone number, Social Security number, and employment history. Unfortunately, data breaches and improper information sharing can also expose your information to unauthorized individuals. * **Credit Monitoring:** Consider signing up for credit monitoring services to detect any unauthorized activity. * **Review Privacy Policies:** Understand how companies are using and protecting your data. * **Be Cautious Online:** Be careful about sharing personal information online, especially on unsecured websites. * **Secure Your Accounts:** Use strong, unique passwords for all your online accounts. * **Report Identity Theft:** If you suspect your identity has been stolen, report it to the FTC immediately.

Types Of Debt Collected By 9035938790

Debt collection agencies like 9035938790 typically collect on a wide variety of debt types. These can range from relatively small credit card balances to larger, more complex debts. Common types of debt they collect include credit card debt, medical debt, personal loans, auto loans, and even utility bills. They often purchase these debts from original creditors who have given up on collecting them themselves, or partner with creditors.

How Do I Check If I Owe Money To 9035938790?

The best way to determine if you owe money to 9035938790 is to thoroughly review your credit reports from all three major credit bureaus: Equifax, Experian, and TransUnion. You can obtain a free copy of your credit report from each bureau annually through AnnualCreditReport.com. Look for any accounts listed in collections and verify if 9035938790 is listed as the debt collector. Additionally, review any past financial records, such as old credit card statements or loan documents, to see if the debt in question matches anything you recognize. Always request validation of the debt from 9035938790 before making any payments.

Which Debt Collection Laws and Regulations Protect Me From 9035938790?

You have significant protections under federal and state laws against unfair and abusive debt collection practices. The most important federal law is the Fair Debt Collection Practices Act (FDCPA). The FDCPA prohibits debt collectors from using abusive, unfair, or deceptive practices when collecting a debt. It restricts when and how often they can contact you, and prohibits them from making false statements or threats. Many states also have their own debt collection laws that provide additional protections. Understanding your rights under these laws is crucial when dealing with 9035938790 or any other debt collector.

Does 9035938790 or Portfolio Recovery Associates Have Any Lawsuits Against Them?

Checking whether 9035938790 (or their parent company, if applicable, such as Portfolio Recovery Associates) has a history of lawsuits can provide valuable insight into their business practices. You can search online databases of court records, such as PACER (Public Access to Court Electronic Records) for federal cases, and also check the records of state courts in your area. You can also search the Better Business Bureau website, and various consumer protection websites.

What Do People Online Say About 9035938790?

Researching online forums, review sites, and complaint boards can provide valuable insights into the experiences others have had with 9035938790. These platforms often contain first-hand accounts of alleged harassment, inaccurate reporting, and other problematic behaviors. However, keep in mind that online reviews are often subjective, and may not always present a complete or accurate picture.

Do I Really Need To Remove 9035938790 From My Credit Report?

Removing a debt collection agency like 9035938790 from your credit report is generally a good idea, as it can improve your credit score. However, it's important to approach the process strategically and understand the potential implications. Here's a general overview: * **Validate the Debt:** As always, start by requesting validation of the debt. * **Dispute Inaccuracies:** If you find any errors, such as incorrect dates or amounts, dispute them with the credit bureaus. * **Negotiate a "Pay-for-Delete" Agreement:** This involves agreeing to pay the debt in exchange for the debt collector removing the entry from your credit report. * **Understand the Impact:** Removing a collection account can positively impact your credit score, but it's not a guaranteed fix. * **Seek Professional Help:** Consider consulting with a credit repair specialist for personalized advice.