Calls from 800-900-1361: What You Need to Know

Receiving unexpected calls from unfamiliar numbers can be unsettling. One such number that has raised concerns is 800-900-1361. This article aims to shed light on the nature of these calls and provide guidance on how to handle them.

Who Is Behind 800-900-1361?

The phone number 800-900-1361 is associated with Penn Credit Corporation, a debt collection agency based in Harrisburg, Pennsylvania. They specialize in collecting various types of debts, including those related to parking tickets, Environmental Control Board violations, and business taxes. The New York City Department of Finance lists Penn Credit Corporation as a designated debt collection agency for such debts.

Legitimacy of the Calls

While Penn Credit Corporation is a legitimate debt collection agency, it’s essential to approach any unsolicited call with caution. Some individuals have reported receiving calls from 800-900-1361 where the caller provides outdated or incorrect personal information, leading to suspicions about the call’s authenticity.

Steps to Take If You Receive a Call

1. Do Not Share Personal Information: Avoid providing or confirming any personal details over the phone unless you are certain of the caller’s identity.
2. Request Written Verification: Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request a written validation notice detailing the debt. Legitimate debt collectors are required to provide this information upon request.
3. Verify the Debt: Cross-reference any claims with your records. You can also obtain a free credit report from AnnualCreditReport.com to check for any outstanding debts.
4. Seek Professional Advice: If you’re uncertain about the legitimacy of the call or need assistance in handling the situation, consider consulting with a consumer protection attorney or a reputable credit counseling service.

Protecting Yourself from Potential Scams

Even when dealing with legitimate debt collectors, it’s crucial to remain vigilant:

• Monitor Your Credit Report: Regularly review your credit reports for any discrepancies or unfamiliar accounts.
• Be Aware of Your Rights: Familiarize yourself with the FDCPA, which outlines your rights and protections against abusive debt collection practices.
• Report Suspicious Activity: If you believe you’ve been contacted by a scammer or have experienced unethical behavior from a debt collector, report the incident to the Federal Trade Commission (FTC) and your state’s attorney general’s office.

Conclusion

Receiving a call from 800-900-1361 can be concerning, but understanding the context and knowing your rights can help you navigate the situation confidently. Always prioritize your personal information’s security and seek professional guidance when in doubt.

Frequently Asked Questions

1. Is 800-900-1361 a legitimate number?Yes, 800-900-1361 is associated with Penn Credit Corporation, a legitimate debt collection agency.
2. What should I do if I receive a call from this number?Do not share personal information immediately. Request written verification of the debt and verify its legitimacy through your records and credit reports.
3. How can I verify if I owe a debt?You can request a debt validation letter from the collector and check your credit reports for any outstanding debts.
4. What are my rights under the FDCPA?The FDCPA protects consumers from abusive debt collection practices, including harassment and false statements.
5. Can I block calls from 800-900-1361?Yes, you can block the number, but it’s advisable to verify the legitimacy of the debt first to avoid potential legal consequences.
6. Where can I report suspicious debt collection calls?You can report them to the Federal Trade Commission (FTC) and your state’s attorney general’s office.