Who Is Calling 540-308-4012?
If you receive calls from 540-308-4012, the caller may be Portfolio Recovery Associates, a debt collection company. Debt collectors may contact consumers about unpaid debts. However, they must follow the Fair Debt Collection Practices Act (FDCPA). This federal law protects consumers from abusive or deceptive collection practices. If Portfolio Recovery Associates violates the law, you may have legal options.
Your Rights Under the FDCPA
- Calls at inconvenient hours – Debt collectors generally cannot call before 8 a.m. or after 9 p.m. Frequent calls meant to pressure you may violate the law.
- Harassment or abusive conduct – Collectors cannot threaten you or use offensive language. The FDCPA limits aggressive collection tactics.
- Failure to provide written validation – Portfolio Recovery Associates must send written notice confirming the debt within five days after first contact.
- Sharing your debt with others – Collectors cannot discuss your debt with coworkers, friends, or most family members.
- False or misleading statements – A collector cannot lie about the debt amount or falsely claim legal action.
What You Can Do About Calls from 540-308-4012
- You can request debt validation. Ask Portfolio Recovery Associates to send written proof that the debt is valid.
- Keep records of each call. Write down the date, time, and details of every conversation.
- You can dispute the debt in writing if the information is incorrect.
- You may also send a cease-and-desist letter asking the collector to stop contacting you.
Protect Yourself From Debt Collection Harassment
The FDCPA allows consumers to challenge unlawful collection practices. If Portfolio Recovery Associates violated the law, you may qualify for compensation.
📞 Call Lemberg Law for a free consultation.
You pay nothing unless we win.
Ways You Might See This Number
540-308-4012
54030840121-540-308-4012540.308.4012540 308 4012(540) 308-4012540-308-4012
This could be a Debt Collector calling you.
540-308-4012
540-308-4012
Other Examples of Illegal Harassment
- Multiple calls per week or day
- Attempts to collect more than you owe
- Early morning or late night calls
- Calls to friends, neighbors, or coworkers
- Collection calls at work
- Use of obscene language
- Threats of violence, lawsuit, or arrest
- Attempts to intimidate you
- Use of obscene language
- Multiple calls from different phone numbers
Fight for Your Rights
The Law Protects You
The Fair Debt Collection Practices Act protects you from debt collector abuse. You can sue and recover up to $1,000.
Our Experience
We make it easy to exercise your rights. We’ll sue the debt collector on your behalf – at no upfront cost to you.
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