Who Is Calling 800-900-1392?
Calls from 800-900-1392 usually come from Penn Credit Corporation, a debt collection agency. Federal law allows collection calls, but the Fair Debt Collection Practices Act (FDCPA) strictly limits how collectors can act. When Penn Credit steps outside those limits, you can hold them accountable.
Your Rights Under the FDCPA
The FDCPA sets clear boundaries on how a collector may operate. Look for these warning signs:
- Excessive or inconvenient calls
- Calls must occur only between 8 a.m. and 9 p.m., and repeated dialing meant to annoy or pressure you is prohibited.
- Harassment or abusive conduct
- Threats, intimidation, or offensive language violate federal law.
- Failure to provide written validation
- A written notice explaining the debt must be sent within five days of first contact.
- Improper third-party contact
- Disclosure of your debt to friends, family, or coworkers is generally not allowed.
- False or misleading statements
- Misstating the amount owed or making empty legal threats crosses the line.
What You Can Do Now to Protect Yourself
You can assert your rights and regain control of the situation:
- Request validation
- Demand written proof to confirm the debt is accurate and enforceable.
- Track every interaction
- Log call times, frequency, and content to preserve evidence.
- Dispute or negotiate
- Submit a written dispute if the debt is incorrect, or explore resolution options if it is valid.
- Send a cease-and-desist letter
- Require all further communication to stop.
What to Do if Your Rights Are Violated
Violations of the FDCPA can entitle you to compensation, including damages and attorney’s fees.
📞 Call Lemberg Law for a free, no-pressure consultation.
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Ways You Might See This Number
800-900-1392
80090013921-800-900-1392800.900.1392800 900 1392(800) 900-1392800-900-1392
This could be a Debt Collector calling you.
800-900-1392
800-900-1392
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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