The phone is ringing, and I don't recognize the number, All Caller ID says is, "NAME UNAVAILABLE".
Please help me figure out who is calling and what they want
No Name in Caller ID just the number. Call was forwarded to cell via lan line. No Message ... just hung up
Portfolio Recovery Associates (PRA) is among the worst lawbreaking junk debt collectors. I second Duckman's advice, but only for those who are not the alleged debtor PRA wants. I also disagree with any advice to give an impression you want to pay. The overall object is not call cessation but preservation of your rights.
Short Timer, PRA will catch up with you shortly after you swipe a credit card, use a bank check, obtain a new drivers' license, or do anything else which creates footprints on the many databases available to debt collectors.
George, I would assume you've made all your ''demands'' verbally, which rogue collectors are happy to ignore. 1.5 years is a long time to be hassled by phone and never get a dunning letter. That's illegal and cause for a lawsuit if the calls from 2010 regarded the same account they are trying to collect now. Actually, they needed to dun you within five days of first contact.
Next, a collection dunning letter is not required to ''prove'' anything to you. The burden is on the alleged debtor to set the collection agency (CA) to work with a dispute letter. That letter shuts down all contact while the CA gathers your validation or walks away without trying. It can also specify some or all calls as ''inconvenient'', in case they do validate. Any calls which violate the statutory ''quiet period'' or your orders can be added to your lawsuit. Send ALL correspondence via USPS Certified with return card.
Finally, it is very likely an account which defaulted eighteen years ago is well out of Statute of Limitations. Consult your state law and be sure the account is not some weird exception. Once past SoL, a simple cease-comm letter is again a fine choice. PRA can't sue to collect without breaking the law. Moldy debt, and fooling people into resetting the SoL clock, is a favorite pursuit of PRA and its kin.
The federal law with all these fun defenses:
Get an address from these people like you are going to pay. Send them a letter (CMRR) stating it is inconvienient for them to call you at home or at work. If they continue calling, take pics of your caller ID and log the call. When you get a few, sue. This is a no-brainer way to make a little vacation money.
Scavenger debt collectors; they buy oold debts and try to revive them; they never stop calling, but let them waste their time and money.
These people have been harassing me for about 18 months, I have demanded proof of the debt they claim I owe (from 1993!) but they refuse to send it to me. I have demanded that they stop calling, but the calls continue. Last week they did send me a letter demanding payment of over $6000, but absolutely no details of why they want money or proof of any debt. I have recently bought a new house and have a new (unlisted) number, it took them a few weeks but the calls started again. This company is basically blackmailing me: pay us what we demand or we will harass you until you do.
They continue to call even though I've asked them to provide proof of this decades old debt that I don't recall. I have less than 2 months left here. Let these SOB'S try and harrass me at my new address.