If Portfolio Recovery Services starts calling from number 9738697101, stay relaxed and take control of the situation. Protect yourself by refusing to give any personal or financial information until you know exactly who is calling and why.
Verify Number to Prevent Scams
Many scammers pretend to be debt collectors, so verify who is on the line right away. Ask for the caller’s full name, the name of their company, a callback number, and complete details about the supposed debt, including the creditor’s name and the amount owed.
Similar versions of 9738697101 you might see include 1-973-869-7101, 973-869-7101, 973 869 7101 and +1 (973) 869-7101. Always confirm these variations before taking them seriously.
A legitimate debt collector must send you a written validation notice within five days of first contact. This document should explain the debt in detail, identify the creditor, and outline your legal rights to dispute or verify the claim.
Seek Legal Advice if Needed
Verify the debt yourself before you pay anything or agree to repayment terms. Review your credit report or speak directly with the original creditor to confirm whether the debt is real. If you feel unsure, professional legal help is available and often free if your situation qualifies. Treat it as a scam attempt if the caller refuses to send documents or pressures you to pay right away.
Block and Report Suspicious Numbers
Block the number if calls continue or become aggressive. Report the incident to the Federal Trade Commission (FTC), the Consumer Financial Protection Bureau (CFPB), or your state attorney general. Keep notes of every call and message. Those records can help you dispute false claims and strengthen your case against unlawful collection tactics.