Understanding Calls from 888-469-4520
Have you been receiving repeated calls from 888-469-4520? This number is associated with Consumer Portfolio Services, Inc., a debt collection agency that is likely attempting to contact you about an alleged debt.
Why Is Consumer Portfolio Services, Inc. Calling You?
There are several reasons why you may be receiving calls from 888-469-4520:
- Collecting payment on a past-due account.
- Verifying or updating your contact information.
- Offering a settlement or payment arrangement.
- Following up on previous correspondence about your debt.
About Consumer Portfolio Services, Inc.
Consumer Portfolio Services, Inc. is a third-party debt collection agency that works with creditors to recover overdue accounts. As a debt collector, they are bound by the Fair Debt Collection Practices Act (FDCPA), which ensures consumers are treated fairly and protects against unethical practices.
Under the FDCPA, Consumer Portfolio Services, Inc. is prohibited from:
- Calling Excessively: Contacting you multiple times a day or during inconvenient hours.
- Using Threatening Language: Harassing, intimidating, or threatening you to collect a debt.
- Misrepresenting Information: Providing false or misleading information about the debt, its amount, or its consequences.
- Sharing Your Debt with Others: Discussing your debt with unauthorized third parties, such as your family, friends, or employer.
- Ignoring Debt Validation Requests: Failing to provide written proof of the debt upon your request.
If you believe Consumer Portfolio Services, Inc. has violated these rules, you may have grounds to pursue legal action.
How to Handle Calls from 888-469-4520
If you’re being contacted by Consumer Portfolio Services, Inc., follow these steps to protect yourself:
- Request Written Proof: You have the right to ask for documentation that validates the debt. This can help confirm that it’s accurate and legally yours.
- Document Every Interaction: Keep a record of the date, time, and content of each call or voicemail. This information is valuable if you need to file a complaint or take legal action.
- Dispute the Debt in Writing: If you believe the debt is not valid or does not belong to you, send a written dispute letter to the agency.
- Send a Cease-and-Desist Letter: If the calls are excessive or harassing, you can demand that they stop contacting you.
Take Action to Stop Harassment
If you believe Consumer Portfolio Services, Inc. is violating your rights, you don’t have to face the situation alone. Our team at Lemberg Law can:
- Help you verify or dispute the debt.
- Stop harassing calls and unwanted contact.
- Pursue compensation for any violations of your legal rights under the FDCPA.
Don’t let debt collection calls take over your life. Contact us today for a free consultation to discuss your options. You pay nothing unless we win!
Ways You Might See This Number
888-469-4520
This could be a Debt Collector calling you.
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
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