Receiving a call from 503-867-8805 can be a jarring experience, especially when you realize it’s P&B Capital Group, a debt collection agency, on the line. However, armed with knowledge about your rights under the Fair Debt Collection Practices Act (FDCPA), you can turn an unsettling situation into an empowered one.
Who is P&B Capital Group?
P&B Capital Group is a debt recovery agency tasked with collecting overdue payments on behalf of creditors. While their goal of debt recovery is legitimate, the tactics employed can sometimes cross the line, affecting your peace of mind and privacy.
Your FDCPA Protections
The FDCPA is a consumer protection law designed to eliminate abusive debt collection practices. Here are several protections it ensures:
Communication Guidelines: Debt collectors cannot contact you at inconvenient times or places. Early mornings, late evenings, and your workplace (if prohibited) are off-limits unless you agree otherwise.
Debt Verification: Upon your request, a collector must prove the debt’s validity. If they cant verify the debt, they must cease collection efforts.
Stopping Calls: Sending a written request to stop further communication will bar the collector from contacting you, except to inform you of legal actions they might take.
Understanding your rights is the first step in dealing with debt collection calls confidently. If you’re facing harassment or unfair practices, reach out for professional support.
Some of the phone numbers that P&B Capital Group may use include:
406-534-0527
716-961-3108
718-283-4210
302-360-8196
760-851-0024
877-743-9600
716-558-5836
520-357-4579
855-270-8234
888-569-6469
888-569-9635
716-891-5800
312-445-0291
877-871-1284
(855) 254-7841
