Stop 713-258-9045 Collection Calls

Is Portfolio Recovery Associates calling you from 713-258-9045? Are they insisting you have unpaid bills, even if you owe nothing? You’re not the only one. Let’s break down what’s happening, how you can put a stop to these calls, and what legal steps you can take if your rights are being ignored.

How Process Works

With the right legal team, you can quickly invoke your rights under the Fair Debt Collection Practices Act (FDCPA).

• Harassing calls will stop without delay.
• If your rights have been violated, you could receive compensation.
• You’ll never pay anything—fees and expenses are covered by the other party.

Typical Debt Collection Violations

Debt collectors sometimes cross legal boundaries. These are some of the most common ways collection agencies, like those calling from 713-258-9045, can break the rules:

• Kept contacting you at work even after you asked them to stop.
• Didn’t update your credit records after you officially challenged the debt’s accuracy.
• Reached out to your family, coworkers, friends, or even neighbors.
• Tried calling outside of approved hours, like before 8:00 AM or after 9:00 PM.
• Left voicemails that didn’t mention their company’s name.
• Tried to collect money on debts you don’t actually owe.
• Kept calling or mailing you even after you filed for bankruptcy protection.
• Shared details about your debt with people not legally entitled to know.
• Ignored your request for them to stop contacting you entirely.
• Made threats of lawsuits or wage garnishment that may not even be legal.
• Continued pushing for payment after you explained you couldn’t afford to pay.
• Left messages that don’t explain they’re a debt collector.
• Used foul language or abusive comments while speaking to you.
• Sent communications that did not clearly explain what you supposedly owe.

Key Questions About Debt Collection Laws

What Is the FDCPA?

The FDCPA is a federal guideline for what debt collectors are allowed and not allowed to do. It mandates respectful treatment and robust consumer protections, no matter where you live.

What Does the Electronic Fund Transfer Act (EFTA) Do?

The EFTA stands guard over your bank and card payments. The law prevents companies from taking payments you never explicitly permitted from your bank account or debit card.

What’s the FCRA, and How Does It Affect Me?

The Fair Credit Reporting Act (FCRA) gives you control over what appears on your credit report. If something looks off, skilled attorneys can help you challenge those error; with no cost to you. Errors on credit reports are extremely common, and many Americans have them.

Are There Legal Fees for Getting Help?

You won’t pay legal fees out-of-pocket. These cases use a “fee-shift” system, so the offending debt collector is required to pay your costs and attorney’s fees if they’re found breaking the law.

Do Individual States Offer More Protection?

Absolutely! State laws can offer added shields beyond the federal rules. Every resident is also protected by local and state laws meant to stop unfair and misleading tactics by big business.

How Do Experienced Law Teams Help?

They can use EFTA protections to shield your funds and make sure no unauthorized charges are taken from your accounts. They also ensure collectors follow the law from the start.

713-258-9045

Debt collectors use many versions of the same number, including: