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Who Called Us

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

pra

pra

PRA |

pra calls from 11 phone numbers:

205-588-8197 626-209-2244 731-984-7690 757-864-0020 757-961-3544 800-383-8013 800-772-1413 858-346-2240 866-691-3568 877-803-0008 914-513-0163

200 Comments

(800) 772-1413

March 1st, 2014 CHASER CA

These guys are zombie collectors. Portfolio Recovery. They try to collect debt that is past the statute of limitations or in the case of my brother, someone who is dead. My brother died over a year ago and these idiots called today looking for him. Said he gave me as nearest relative. I know he died with a lot of bills, trying to survive cancer isn't cheap. I told these guys that he was dead. They wanted to know if I got any insurance money and they wanted a copy of the death certificate. I told thme to fu*k off and hung up and if they call again I'll report them under the fair debt collections act.

January 23rd, 2014 Chis OR

Bottom feeders

January 23rd, 2014 MannyPaquio49 Poland

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January 14th, 2014 private CA

this man who called from this number was very haughty and arrogant. He kept asking to speak to a certain name. i said who is calling he kept saying are you (blank blank)? over and over and over. I said who is this, he said are you (blank blank)? I said it depends on who is calling who are you? He said oh so you may be? I said it depends. who are you? he said are you (blank blank?) he was getting upset with me? I could hear in his voice and I said listen you are suppose to identify yourselves, it is illegal to harrass people and not say who is calling! he just kept pushing for my name! I said you playing games! I don't have time for you games ! hung up! I get so tired of this people I am called about other folks bills, and about bills that are pass the statue of limtations. I get so tired of this people, calling my phone and being so rude and interrupiting me thorugh out my day. 1/14/2014 ( My name is private, why? who knows they may be reading the complaints) so I just say private..because they do not care about your privacy at all! I hope they can be caught, and fined so much. That it shuts down this organization forever!

(757) 961-3544

January 8th, 2014 toloHemeweike Russian Federation

Hello longing distinguish my sites, collection it if there is not then I'm sorry.

January 7th, 2014 toloHemeweike Russian Federation

Hello content find exposed my sites, amassment it if there is not then I'm sorry.

(800) 772-1413

December 31st, 2013 ozcan FL

I have just opened my new number but this scam company called me...

December 11th, 2013 MLW MI

Assholes keep calling from different numbers. I don't owe them one red cent!!!

December 4th, 2013 Dave CA

Yes, Portfolio Recovery. I called them and had my number removed because apparently my most recent cell number used to belong to someone who is in debt up to their ears. Just call and have it removed and be cordial. Worked for me. Or you can download Mr. Number and hang up on them.

November 27th, 2013 Lou

portfolio recovery .. 2-3 calls a day.. looking for a relative.. its insane ~~ CLEARLY time to download an app to block them.. ~

November 18th, 2013 Chelette FL

This is a debt resolutions company

November 14th, 2013 Mike CA

Portfolio recovery. Asked them to send me an invoice from the creditor and a signed contract between me and that creditor and all they send is their own little invoice. They like to talk over you while you are talking. If they are really representing a creditor it should be a simple thing to prove that I ever had an account with that creditor. They are able to do that yet but insist on calling after asking them to put everything in writing no more calls.

October 24th, 2013 Dee NY

Did not leave a message

October 15th, 2013 Kat CA

Portfolio Collection

(877) 803-0008

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(800) 772-1413

September 10th, 2013 T.E.A.M. CA

800-772-1413
Portfolio Collections
whocallsme.com
whocalled.us

They call and ask me to call back at a 800 number. I have perfect credit....must be a mistake. They are constantly harassing me...I live alone, but My son is a Sheriff. They are: PORTFOLIO RECOVERY ASSOC
and what they are doing is illegal!
.www.debtconsolidationcare.com
www.debtconsolidationcare.com
Portfolio Recovery Associates Inc
Steven Fredrickson - Chairman and Chief Executive Officer
Riverside Commerce Center
120 Corporate Boulevard
Suite 100
Norfolk, VA 23502
Mailing Address: PO BOX 12914
NORFOLK , VA 23541-0914
Phone: (800) 772-1413 800-654-8818 or 757-519-9300
Fax: (757) 321 2504 or 866-296-0635

Offices:
4829 Hwy 45 North
Jackson, TN 38305

New Market Mall
5200 West Mercury Blvd
Hampton, VA 23666

500 West 1st Avenue
Hutchinson, KS 67501

NasdaqNM:PRAA
(Holding @+/- $43.50)

Head Debt Collectors:
Steve Fredrickson, CEO
Email: sfredrickson@portfoliorecovery.com
Andrew Holmes, President
Email: aholmes@portfoliorecovery.com
Craig Grube, Sr., VP
Email: cgrube@portfoliorecover.com

THE NUMBER 1 800 772 1413
AND LIVE A MESSAGE TO CALL
1 800-860-0644.whocalled.us

(757) 961-3544

September 10th, 2013 anon VA

Portfolio Recovery is a junk debt buyer. DO NOT PAY THEM, it will not help you at all to pay them anything. Look up their address and send them a cease and desist letter from making any further contact with you.

September 10th, 2013 anon VA

The wife,

Don't give them ANYTHING. if the debt was from the 1990's is surely out of the statute of limitations for collection. If they continue to harass you, sue THEM.

September 10th, 2013 The Wife

Portfolio Recovery Solution have been using 757-961-6544 and many other number to call ad try to have me pay a debt for a loan my husband got back in the 1990s and defaulted on up in Chicago. I met him in 2010 and we got married now in 2013 they keep calling me to pay off the debt. I have explained my husband had a heart attack and is disabled and cannot work and will not be paying off the debt and it is not my debt so I have no intention of paying it but they keep calling. Each time I tell them I cannot have them calling me because I am at my job they push and push until I hang up. Then they call back with a new number. These recovery people really do go too far and it only started after I added him to my bank account in Ohio so I know for a fact where they got the info from!!

(800) 772-1413

July 31st, 2013 CaptainObvious SD

BTW, the best way to lose these people is to start out by saying that you record all calls. That always gets them to cut off

July 31st, 2013 Mah Whang SD

Remember, it is your phone...just have some fun with them. Remember, you do not have to identify yourself...and you do NOT need to be nice to them.

July 31st, 2013 CaptainObvious SD

Call traced to Portafolio, a zombie debt collector. I answered by saying (person asked for) is not at this number. Asked who I was..."I am Hugh Jorgan." They called back...I answered the phone in Japanese this time. Typical scumbag zombie debt types.

July 13th, 2013 Cherryl Walker LA

The FBI in an story in this week's Wall Street Journal (featured at Yahoo!) tells about the 14 most dangerous spam/scam/phishing phone and e-mail contacts being made out there. If you get an e-mail from a cousin in Italy who needs 6000 euros to pay for a bone marrow transplant, and they need it sent to them right away, that's the kind of stuff that is going on out there. And if you get an e-mail presumably from an American G.I. overseas, be careful!

July 13th, 2013 annom TX

The FBI is also working on this spoofing numbers as i contacted them last thursday tired off all the scams. They say dont answer or have your number changed. But i reported them

(914) 513-0163

July 9th, 2013 Gottagetalife OH

This is Portfolio Recovery. They are as irritating as poison ivy. Nasty people with no compassion. I have breast cancer & do you think they care? I have informed them that I don't owe this money, however that response fell on deaf ears. They call up to three times a day. They try using different numbers. I have stopped answering. Wish they would stop calling. Wonder if they will keep calling after I'm dead? Most assuredly. Let them have my ashes!

(757) 961-3544

July 5th, 2013 KLM FL

PRA and I have a system worked out.
They keep calling; I keep not answering. HA HA HA

June 27th, 2013 Jermey NC

They are not a real collecting agency!i know this because this morning at 3:11am they called my 12 year old daughter asking for her to pay for her dept! this is a scam to get money from people what ever you do dont pay them its a trick and its very annoying. They call her everyday and its just really rude and i would like this to stop but sadly we have no way of stopping.

June 27th, 2013 Cherryl Walker LA

We are in a war against these trash bags to gain control of our communications privacy. In the USA, the laws were changed in about 2006, and that opened the floodgates for these "monsters" to discover how to circumvent the law, and inundate us with junk phone calls. Vote out of office the scalawags who voted for the law changes in 2006, and vote into office people who will respect and honestly represent "we the people".

June 27th, 2013 Densha Otoko SD

Some great spoof names are: Mai Wang, Big Phat Dik, Mitch Komestainne. Another fun ploy is to answer the phone as (Insert name of choice) Law Offices. Mirroring their language is also kind of fun. Listen to them and repeat what they are saying as they say it. Telling them that you are recording their call is also fun. Maybe answer the phone using the name of a local television station...or a church name that you make up.

June 27th, 2013 Densha Otoko SD

When someone shows up as unlisted, private, or whatever, I do the following: I answer the phone in either Japanese or Korean. I use the name of any J-Pop/K-Pop singer I can find. One time I answered as Akihito, who is the Emperor of Japan. I put it this way: It is my phone and I will talk to the people I choose to talk to, not some scumbag trying to collect timed-out debts that they buy for pennies on the dollar. I have also answered in English as "Hugh Jorgan" (think about it). For the record, they use multiple phone numbers, none of which is their number. It is fun to just screw with them. It wastes their time, which cuts into their commissions. If you speak a foreign language, use a name in that corresponds to that language. Go to Google Translate and type in the most vile English sentence you can think of...then push translate into the language of your choice. I have also been known to just utter a continuous series of insults and profanities. These people are sharks...and they will never take their claim to court...so, abuse them as much as they are abusing others.

(800) 772-1413

June 25th, 2013 lbk WA

800-772-1413 - Portfolio Recovery Ass.

It's a low-budget collection agency. I paid them for a while, but the wouldn't send a statement, a monthly bill, or confirmation of payment. I requested these things over the phone, and both the agent and their manager violently argued that they do not have to do so. So I stopped paying them.

June 16th, 2013 annomous HI

Looking for some Guy.. then the message say Hang up or you have 3 mins to hear their crap they have wrong # no Arab Guy at this address ..they ate disgusting. The number has been out of service for Ever ...

(757) 961-3544

June 15th, 2013 Quicksilver LA

Number keeps calling a non listed #. What I know is if you answer the phone, you have automatically started whatever debt from the beginning. I do not owe anyone. But I do not plan to help weird callers harass me either over someone else's bill because I have their #. Advice.. do not answer calls from #s you do not know who it is. Once upon a time, I had a bill that the insurance company failed to pay to a hospital. I did not know because I never received a bill stating that. One day, I had a call from a man that spoke to me about that outstanding bill. He started yelling over the phone to me and informed me he was on the way to my house to collect and I BETTER HAVE IT. It freaked me out so bad.. I called back to the hospital to speak to the Administrator. Informed them of the call. She told me it was not the first complaint she had about it. She said she would call me back in a few minutes and for me to call the police if anyone showed up. Well no one showed but she did call me back and apologized to the fact that a X employee had taken debt files and was calling people for outstanding funds .. she did ask me to describe his voice and it was exactly as others that described him to be. So see.. you just never know about these things.

(800) 772-1413

May 20th, 2013 ANDREA NY

PORTFOLIO RECOVERIES FROM NUMEROUS TELEPHONE NUMBER. BUT I HAVE GOTTEN SMART AND DOWNLOADED AND APP CALLED "MR NUMBER" WHICH JUST HANGS UP ON THEM. DOESN'T GIVE THEM AN OPTION TO EVEN LEAVE A VOICEMAIL. GOTTA LOVE TECHNOLOGY WHEN YOU DON'T WANT TO BE HARASSED. LOL

May 17th, 2013 Jim CA

Portfolio Recovery (Debt Collection)
600 Beacon Pkwy W
Birmingham, AL 35209

May 14th, 2013 Laura CA

These are debt collectors that call from about 20 different phones numbers. If you don't know the number DON"T answer. They tryed collecting a debt from me for my ex-husband!!

April 23rd, 2013 cody CA

These people called under a toll free number. In their voicemail the caller gave his first name only and a number from my area code to call him back. Dont return the phone call.

April 16th, 2013 Phoenyx TX

I got a call on my cell phone today from this number for my husband. The woman said her name was Ms Higgins/Wiggins (her accent affected the h & w sound). My husband is at work so I asked to take a message. She wanted to call him back & I told her he was out of town for work (true because he's a trucker). She then told me that it was a personal business matter & they would just try to call back at a later date.

April 16th, 2013 Anon MI

They call repeatedly. I cannot block them through Comcast because it states it is an international number. I have never answered.

April 11th, 2013 Anon WA

Annoying! They call on a daily basis. I have a cell phone and have told them to stop calling. They violate state and Federal collection laws by calling before 8 AM and after 8 PM.

(757) 961-3544

March 26th, 2013 MT GA

Pussies - didn't have the courage 2leave a voicemail ...

(800) 772-1413

March 19th, 2013 Annoyed CO

Ever since I changed my phone number to a local area code (where I live), 1-800-772-1413 and numerous other numbers reported to be Portfolio Recovery Associates have been calling. Mostly from the 800-772-1413 number. I know the person who had my number before me has collection calls, which I have let those people know that this is not that persons number anymore and they did quit calling. But this Portfolio never, ever leaves a message so I don't know who they are trying to reach.
I believe they are using the tactic used by lots of crooked companies. I think they have software that makes it appear that they are calling from a number belonging to someone else.

March 15th, 2013 Joe IL

The Social Security Administration's phone # is 800-772-1213.Those good for nothing bastards at Portfolio Recovery are using this # to trick people on disability or retirement to answer the phone.It worked & my wife answered it.The "person" on the other end mumbled a few things then hung up.I am so sick of these people trying to collect 15 year old debits using harrasment & trickery!!!

(800) 383-8013

March 1st, 2013 Debbie B CA

This company has successfully been able to achieve in garnishment of wages even when they know they are a piece of gum on the bottom of your shoe. I went to court this Tues and I was representing myself up til then. I hired an attorney the day before not knowing what I know now. That I have rights or not being harassed. I showed my attorney all my calls from PRA Portfolio along with letters to them asking for help when I had to resign my job due to a medical illness. Last year they called me and said what can ya pay 100~50~10 they said you buy groceries don't ya. They ended up suing me and leaving the summons on my front porch. I then took it to the court house where I was able to delay garnishment for 6 months. Unfortunately, I did not write my answer correct. I did not dispute the debt but I was disputing the amount owed on the debt. Anyway, day late dollar short. I was either facing BK or finding someone who could help me. Bob Semnar Law Firm @951-293-4187 or cell 858-688-6598. I just went in to ask favor from him since he help me before and he said why I not go to him sooner. I told him I did not know you did this type of law. Anyway, he has taken my case on contingency. He told me if anyone needs help with this company to give him a call. I had to contact my employer and explain what is happening. So embarrassing. This debt is from 2007 from Wells Fargo. I can't for the life of me understand why. I have my mortgage with them why they want to do this to someone who clearly ask for help. I did make payments to them as well and in court they said I made none. The judge ruled in there favor. I was really upset. My attorney said to me we might of lost the battle on that one but we are still in the fight. I encourage any of you to follow suit to get these people. I don't know how they sleep at night.

(757) 961-3544

February 25th, 2013 unknown MO

this is a nasty bill collector trying to collect on accounts that have timed out. do not answer their calls, they are threatening and harassing. There is nothing they can do to you unless you make any arrangement then you start the clock over.

(626) 209-2244

February 10th, 2013 Bart NJ

Really? You're telling me you are NOT spoofing numbers and actually have some one making calls at 5:47 am PST on a Saturday? They can't be that desperate for a job.

February 9th, 2013 Lt. Riker OR

Idiot Co's calling me on a debt that's already aged out. Not getting a penny from me! I'm disabled and unemployed; you can't get blood from a turnip!

(757) 864-0020

February 4th, 2013 Ellen

WhyMeLord...I used to get calls about a bill that was for my late mother from a different collection agency. No amount of telling the fools that she was deceased 30 yrs ago helped. I finally gave them a change of address...the street location of the cemetery where she is interred and the unit (plot) number along with the phone number of the cemetery office. That stopped them. Plus I had a good chuckle imagining the reaction of the person who answered the phone at the cemetery and what he said to the PRA pest who called.

February 4th, 2013 WhyMeLord TX

I get calls for my dad (been dead for near 40 years) and finally, in frustration, asked them to produce supporting documents. Most never respond but a few have sent doctored documents that I turn over to the USPS postal inspectors (I keep the envelopes). It's called mail fraud BTW and the postal inspector really get off running these down.

If you can get an address send them a certified letter requesting the supporting documents. 99% of the time they don't have them and can't produce them. Ergo you're off the hook.

(757) 961-3544

January 2nd, 2013 Jeff PA

It's Portfolio Recovery calling...a very nasty collection agency. They called me today...about a bill from 1998! Evil, vile and scumbag creatures. Simply tell them that the phone you are on is a company phone and that no personal calls are allowed. They'll tell you that the call is being recorded, so, turn the tables on them: tell them that YOU are recording the call, have proof that you have told them not to call your company phone and not to call again. By the way, be very careful in what you say: if you admit that the bill is yours or make any statement concerning the bill, the clock could reset and you could be liable for the long, LONG ago bill. Remember...these are vile, contemptible and nasty vermin. Treat them as something you'd scrape off the bottom of your shoe after a stroll through a dog-park.

(626) 209-2244

December 12th, 2012 Mr BILL PA

"Polio" Recovery: they call all the time! They ask "by my first name?", I say "why?" They say "What do you mean why?" I say "you called me?" They say "Is this name?" I say "why?" They say "I have an important message!" I say "who are you?" They are so stupid that say "their name." I say "who do you represent?" They either say, "I'll call back!" ( sometimes I say I'll be waiting for you tomorrow) or if they say "I'm with Portfolio Recovery!" If they say "I'm with Portfolio Recovery!" I say "Polio Recovery?" They say "no, Portfolio Recovery!" (now they are pissed) I say "why would anyone want to talk to Portfolio Recovery" and hang up! Sometimes they call the next day, sometimes they don't call for a few days. I guess that they are keeping a record on me? Try this! This pisses them off! I'm retired, I wait for them everyday! :-)

December 7th, 2012 Cammie GA

I got a call on 12/7/2012 @ 3:50 pm.
The guy asked for my mom, he sounded country. I assumed it was a person in Florida, possibly someone we knew because the area code there is 628. I guess I was wrong. He said he'd call back when I told him she wasn't home. He's an awful debt collector, because he sounded like a normal guy and kind of distracted/flustered or what have you. I don't know. Annoying though.

(757) 961-3544

November 28th, 2012 Grey NY

Have nothing in collections but keep getting calls from these folks at dinner time! I won't answer anymore!

(800) 772-1413

November 28th, 2012 be carefull

Its Homeland security trying to get info on someone that could be u or someone that call will call u frequently and they had recently changed their number under a different name. U will receive a letter when the investigation is over stateting the dates and time your pheone was being monitered

November 28th, 2012 be carefull

It's a police department trying to verify a person in your contacts to see where their at. Some how they monitor the phone calls to figure out the location

(757) 961-3544

November 27th, 2012 OFDU TX

I PITY THESE FOLKS!!! THEY HAVE NO TALENT AND THEIR FAMILIES AND SOCIETY ARE REALLY ASHAMED OF THEM... THEY HAVE NO REDEEMING QUALITIES AND WILL NEVER BE CONTRIBUTORS TO SOCIETY.... HOW DO THESE FOLKS GET THROUGH THE DAY... KNOWING THAT... NO ONE CARES IF THEY NEVER HEAR FROM THEM... EVER...

November 17th, 2012 YO FL

These clowns only called once today. Usually they call 4 or 5 times every day. I will never answer their calls. CID today was blank for the name and number.

November 15th, 2012 WLN FL

They call as many as 5 times a day. Never leaves a message. I have no debt and am not interested in talking to assholes.

November 12th, 2012 al CA

that number called me and offer me huge money..
them it says that that I should pay a little amount.

(757) 864-0020

November 6th, 2012 tired of idiots CO

That's guys for all the info

(757) 961-3544

November 5th, 2012 John TX

I constantly get calls from this number and have for 2 years since I have obtained my current phone number. (Portfolio Recovery)I have advised them each time they have the wrong number-makes no difference. They advise the debt is from 1998. Apparently, I was lucky enough to get this person's old number. So, the last time they called, I advised them I would pay the debt when hell froze over and to get back with me then. I have no idea who the person is they are attempting to contact and most of the reps who called have stated along the line of: lying about your identity will not make your debt go away. Can we expect a payment today? Ugh!!

November 3rd, 2012 JR FL

Same idiots with yet another number. I don't bother answering.

November 1st, 2012 ROBERT TX

I did not answer the call,,,I routinely dont answer calls from numbers I dont recognize

(757) 864-0020

October 31st, 2012 Slick TX

I keep paying these dirtballs but they call every week looking for "automatic" payments. Fat chance. KMA-BMS Portfolio

October 29th, 2012 Resident47 RI

Anna, PRA doesn't care ''who is paying and who they are calling''. Those collection reps are all competing for commissions and bonus ''spiffs'', as their pit bosses hound them to meet some periodic performance goal. You need to stop negotiating on the phone where they want you and get on a paper trail where they don't.

You can dispute PRA's claim any time, but this is best done within 30 days of its first dunning letter. Over two years ago in this thread I discussed setting contact restrictions. Furthermore, anyone at your workplace can take away their permission to call for you there. Keep records of any action they've taken and anything said. You can turn evidence of FDCPA violations against them in a private lawsuit when you're ready.

Official-type material on US federal collection law:
www.ftc.gov
www.consumerfinance.gov

(757) 961-3544

October 26th, 2012 Rick NJ

Time to sued this caller for the constant harrassment,do not need these people calling if they won't leave a message or who they are.No name no call-back.Get a life and stopp calling my cell phone.

October 25th, 2012 Resident47 RI

Jen, could you be bothered to read the first sentence of my comment right behind yours? AGAIN .... Debt collectors do not bother with the DNC registry because THEY ARE EXEMPT as non-sales callers!

I would suggest that you quit trying to negotiate verbally and slap on a written cease-comm, as I have discussed here long ago and detailed in this other thread:

(8773052082) whocalled.us

Trying to collect what has already been paid misrepresents the amount and/or character of the debt in dispute. This gives you a FDCPA cause of action which you should be happy to exercise if PRA ignores your Cert-Mailed ''shut up''. If you're sued long past your Statute of Limitations you can spank 'em even harder. You have leverage! Use it when the time is ripe.

October 24th, 2012 Jen L CA

The problem is that they are not a legit debt collector. They are trying to collect a debt that I paid in 1998. I have told them this. There is no debt to collect. It is past the time period in which it could be collected if it were a legitimate debt. They are trying to defraud me by pretending that the debt is valid and I have repeatedly informed them that I have already looked up their company and am aware that their collection efforts are fraudulent in cases other than mine.

They don't honor the DNC list because they are liars.

(757) 864-0020

October 22nd, 2012 Morrisey MN

scumbags

October 15th, 2012 Elizabeth TN

collection agency

October 8th, 2012 Anna ME

I have told them numerous times to not call me at work, and they continue to do so. The bill they are calling about is being paid off, and they have been told this but different people from their company continue to call. They have been told to call me at home and they use different numbers to continue to call me at work. I come to work and see they have called well past my business hours. They always ask who they are calling and I answer you called me so you should know who you are calling, they demand to know who they are talking to and I tell them before calling someone they should found out who they are calling and that it looks like they were not trained properly to do their job. They want to get nasty, I get nasty right back. I have told them numerous times if they looked at their records they see that I am paying my debt, but not sure if they qualified to use a computer. I put them on speaker phone and was told to take them off speaker phone, I tell them we are recording them and they hang up. We have even given the phone to a co-workers 2 year old who banged the phone around for awhile and another co worker's dog who barks at the phone. They need to check to see who is paying and who they are calling.

(866) 691-3568

September 21st, 2012 Resident47 RI

Mistake number one, Susan, was entering an ''agreement'' with a scofflaw agency like PRA in the first place. Sooner or later they will do and say anything to wriggle out of the deal and then punish you for being allegedly ''uncooperative''. It's not too late to dispute the debt claim and assert some of your rights, unless you meant that you're paying toward a court judgment.

Even then you can still control when, where, and how you are contacted, and other legal protections continue to apply, but you have to demand them. Just saying ''I can't pay this much on that date'' is doing nothing to help you. The last thing you want is to hand over the keys to your bank accounts, for then nothing shy of a lawsuit will stop them from dunking a bucket in that well until it's dry. Frankly I think threatening to hassle you until you submit can be seen as violative.

I've mentioned the controlling federal law in this thread a few times but I see I've never dropped any links for homework. Here ya go:

www.ftc.gov
www.consumerfinance.gov

(757) 961-3544

September 21st, 2012 Resident47 RI

Del, ''PRA does not respect the Do Not Call list'' because it does not need to. The federal Do-Not-Call registry exists to help enforce the Telemarketing Sales Rule. Please note the operative term ''marketing''. A debt collector is not a sales person. Here are the DNC service terms you were supposed to review at registration time:

Q&A: The National Do Not Call Registry
www.ftc.gov

Over the past two years in this thread I have discussed the laws which *do* apply several times. I'm not repeating myself just for you. The FCC, by the way, has almost no jurisdiction in this matter. The FTC has been managing collector regulation from the start, and the CFPB staff may get around to helping once they finish unpacking their moving crates.

September 21st, 2012 Del MO

Got a hang up call today! I reported them to the FCC and they actually stopped in June 2012- but my cell phone rang once and
quit before I could answer this morning at 10:20 AM. PRA does not respect the Do Not Call list!!!
I will be filing complaints with the FCC after this post. AGAIN.

(866) 691-3568

September 20th, 2012 Susan GA

I get calls from them everyday. I'm paying them an agreed amount monthly by check. They want to take my monthly payment directly from my checking account and state they will continue to call me until I let them .

(757) 961-3544

August 30th, 2012 Mike TX

Believe it or not, it was my Granny asking if I wanted some fresh baked cookies!

August 29th, 2012 karen in tx TX

Bottom feeders! Shirley called on my cell phone (this number is given to NO one but family!) about a family member who has NO outstanding debts less than 8 years old. They long ago came off the credit report & are outside the statute of limitations.

But these scumbags specialize in trying to convince people to pay them on debts that are VERY old. DON'T GIVE THEM A PENNY! The debt will go back on your records if a payment is made & it starts to ruin your credit all over again....

(626) 209-2244

August 24th, 2012 Jacquie IL

I keep getting new numbers calling me this number called twice so far on the Aug 24, 2012

(866) 691-3568

July 18th, 2012 Brian Frazier WV

A Mrs. Kimble called from this number and spoke
with My babysitter. I don't know why she called
as I have a perfect credit history!

(914) 513-0163

July 14th, 2012 ptvnlfm 34 Turkey

IATWyz

(757) 961-3544

July 13th, 2012 RICK NJ

annoying calls,please stop calling,don't have any debt and I'm 66 years old and retired.Traveling on#SSS and own my own RV>

(914) 513-0163

July 12th, 2012 dobgruz 88 Russian Federation

XkVzxh

July 12th, 2012 Resident47 RI

Ochep's run-on paragraph with no sentence spacing has what to do with phone calls from PRA? Some caveats while we're on this:

Credit ''fixing'' is an industry as full of predators as with debt collection, most of whom will be taking your money for groceries and rent and doing nothing apart from digging you a bigger debt hole and making you more prone to creditor lawsuits. The process of strategic default does not require a self-named ''credit counselor'' to hold your hand the entire time, nor does it require special powers of negotiation known only to an office full of glorified salesmen. All debt is negotiable, and you can make those same haggling calls yourself.

July 12th, 2012 Ochep 66 Russian Federation

You will need collateral to get a colainodstion loan.Have you tried dealing with the creditors on your own?There are many, many good books at your library or bookstores.One I like is Credit Repair for Dummies not for dummies at all very good.It will teach you how to negotiate, settle, reduce payments, even do the pay on delete the right way.It will make you a PRO af fixing your own credit.There is a non-profit organization that does this for you in case you are not a reader.National Foundation for Credit Councelling.NFCC.orgThey will help you at no cost.Go to the site and call the 800 number and make an appointment at a local office.If they put you on the DMP program (debt management program), the max cost is about $30 a month.But only if you can afford it remember they are non-profit.They will contact all your creditors and work with them.If bankruptcy is your only answer they will be honest with you and tell you.Good reviews call them angels from above.Bad reviews say its embarrassing since you have to take all your bills and show them to someone.One person said they even cut up all his credit cards right there.If you don't like embarrassment do this yourself with the book this agency does not do anything that is not clearly stated in the books./

(757) 961-3544

July 10th, 2012 me CA

What A bunch of rude people PRA

(626) 209-2244

July 6th, 2012 Resident47 RI

No, Mike, the problem is that you don't need to be in debt to receive a perfectly legal skip trace call. As I tried to say before, you cannot assume your inbound call at dawn has a domestic source. In parallel with other industries, several high volume collection agencies have long ago outsourced to mainly South Asian call centers. This again is legal, if disturbing due to the huge potential for their abusing private financial data out of our sight and reach.

As to what I guess is your reference to the Truth in Caller ID Act, it's not so easy to apply to this call genre. The faulty or suspect CID has to be a real spoof, meaning PRA pretends to be some other entity, and the spoof must be connected to fraudulent intent. The CID entries currently reported in the log above would not meet those conditions.

None of this is to say, and this would be understatement, that PRA is incapable of illegal conduct. This is the one agency made famous a couple years ago by a dead woman who was somehow signing affidavits for debt lawsuits by the hundred each day. I've talked about that in a few PRA threads like this:

(4073474022) whocalled.us

If you're hot to bag PRA on some violation of your rights, you're far more likely to find your legal ammo through the laws I've already cited here in late May. You as a ''not me'' case don't get the broadest coverage, but PRA still cannot abuse, harass, or mislead you if it wants to stay out of court. Your next step should be a simple ''cease-communication'' notice via USPS Certified with return card. You would do the same if you were the target and the debt claim was invalid. This is the method promoted by the FTC and many consumer watchdogs, and the only way to set a legal landmine.

July 6th, 2012 Mike NJ

Problem is Resident, I'm not a debtor. And spoofing callerID is illegal. I am just pointing out those facts. Either they are operating illegally or actually treating their employees like shit because someone would have to be there if the person they are calling were to actually answer the phone.

(757) 961-3544

June 25th, 2012 Mary Wright TX

No reason to be calling me, I don't owe tham a dime.

June 13th, 2012 leave me alone OR

They called on my cell. How did they get that number? I have no debt issues.

(800) 772-1413

June 12th, 2012 Rick 02 Australia

I looked up your fucking house you jerkoff!

(757) 961-3544

June 6th, 2012 Annoyed

I never pick up and they continue to call. I just got my cell phone in February and I don't know how they got my phone number. Plus I don't have any debt, new or old.

June 5th, 2012 Veritas MO

FCC.gov if they call your cell phone! FTC can't help with

June 2nd, 2012 Nunya Bidness MO

Blockety block block. Or hit the call button and HANG UP. It's someone pretending to be busy, in order to continue to collect a paycheck. None of the advice offered here will help, other than you BLOCK the caller or DISCONNECT THE CALL without talking to them! Enjoy your summer vacation away from your mystery phone stalker. 8-P

(626) 209-2244

May 26th, 2012 Resident47 RI

The agency's autodialer need not be located in California just because you see that in the NANP reference.

Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov. See also if your state laws are stronger.
www.ftc.gov

May 26th, 2012 Mike NJ

Wow. You shitbags treat your employees pretty shitty if you have them up before 5:52am on a Saturday to call people on the East coast.

(757) 961-3544

April 28th, 2012 KARL SC

JUST POSTED...YOU HAVE TO READ THIS....

workbench.cadenhead.org

April 23rd, 2012 808 HI

Saturday, 9:22 AM, no message left by this caller 757-961-3544. Call received on my fairly inactive wireless pay-per-minute telephone.

April 18th, 2012 Lilly TX

This debt is from 1996 and they are still calling on 200 that got to 1000 with interest charges. I had just lost my job and moved away and now they are calling cell phone because its on my bank account and they can see it on credit bureau files. Tell your bank not to share your personal information / OPT OUT. And don't put your cell number on bank account or credit cards or school files.

April 18th, 2012 Deb TX

They use different phone numbers also 774-633-9224

(626) 209-2244

March 31st, 2012 m503t907 DC

Left no message; since I have no credit card debts, call is ignored.

(757) 961-3544

March 13th, 2012 aiwa0u812 WA

i got a call from (575)961-3544.the number came back as a debt collector.i paid my loan off for school i went to to better my life,only t find out i went to school fo welding and can't find a job.all i did is wast money on a degree i can't use.thank you oboma for the debt i paid off.and thnksfor fixing the job market!ya go to school for nouthing,thank you. aiwa0u812.....

(800) 772-1413

March 11th, 2012 Resident47 RI

Buster, you're wrong on one point. PRA appears on my court calendar as a plaintiff throughout the year. I'm sure the numbers involved in junk debt discourage filing suit on an entire portfolio, but some people are chosen for special punishment. To rebut a second point, communication by USPS is unlikely to give away an address the agency does not already possess or cannot find. I've seen numerous instances of collectors automatically dunning a street address when only a person's PO box was used for billing.

Having personal and poor experience with your former employer, I won't argue with your skill for selective aggravation. Poking at the beehive is not a strategy for everyone, and I personally like my revenge wrapped in thousand dollar bills. The collectors' own calls can be turned against them as pointy weapons, which is half my point in promoting education in relevant state and federal laws.

(757) 864-0020

March 6th, 2012 ZombieBuster SD

BTW, these clowns are using their 1099-C fraud again. Just tell them that they can suck wind. Insult them...curse them out...it is YOUR phone...you don't need to put up with their crap. Also, mention things like..."Could you hold for a moment, I need to readjust the microphone on this phone recorder." When they ask who you are...ask them who they are. Obviously, they can't tell you who they are unless you tell them who you are. These people are NOT going to take you to court. They bought the debt for between 3 and 5 cents on the dollar. They count on you being afraid. Just do whatever you feel like. Heck, get a freon boat horn and let it off on your telephone mouthpiece. You do NOT have to be nice to these people. They are there for one reason...to get your money. Let them know that it comes at a cost. Insult anything about them that might set them off...gender, orientation, race, religion, nationality, family...get real down and dirty. There isn't a thing they can do about it...other than hang up. I love screwing with these people.

(800) 772-1413

March 6th, 2012 ZombieBuster SD

IOW, just ignore them...and they will move on to other "marks." I spent several years as a collections agent for Household Finance (now, the "respectable" HSBC. The simple fact is that you don't have to say a thing on the phone. Nothing works better than just answering the phone and remaining silent...but, I know how to piss them off, so I use more degenerate methods. The law isn't going to do dick for you...and, writing them letters is a great way to give them your current residence. Just blow them off. Tell them you are "judgment proof." Just do not tell them who you are. Now, I read what Resident47 had to say...and that's all very nice...and decent advice...in a way. I personally would rather piss these scumbags off.

March 6th, 2012 ZombieBuster SD

BTW, these clowns are using their 1099-C fraud again. Just tell them that they can suck wind. Insult them...curse them out...it is YOUR phone...you don't need to put up with their crap. Also, mention things like..."Could you hold for a moment, I need to readjust the microphone on this phone recorder." When they ask who you are...ask them who they are. Obviously, they can't tell you who they are unless you tell them who you are. These people are NOT going to take you to court. They bought the debt for between 3 and 5 cents on the dollar. They count on you being afraid. Just do whatever you feel like. Heck, get a freon boat horn and let it off on your telephone mouthpiece. You do NOT have to be nice to these people. They are there for one reason...to get your money. Let them know that it comes at a cost. Insult anything about them that might set them off...gender, orientation, race, religion, nationality, family...get real down and dirty. There isn't a thing they can do about it...other than hang up. I love screwing with these people.

I also speak Japanese and Korean...it is fun to start conversations with them in Japanese and Korean...it takes up their time...time they would rather spend pushing their little RICO operation.

(757) 961-3544

February 22nd, 2012 akamom WA

These dirtbags are calling day and night . they just called my cell at 0715. isn't there a law that prevents calls so early in the morning?

(626) 209-2244

February 11th, 2012 Seba IL

PORTFOLIO RECOVERY debt collector

(914) 513-0163

February 7th, 2012 Kay OH

called and were looking for the previous owner of my phone number,told them i wasn't him,didn't know him,they were very rude and called me a liar,so I preceded to call them some not so nice names ,looking forward to tangling again with these people,I rarely get to swear like a sailor!!

January 30th, 2012 Johnson LA

This is a Bill Collector !!!! Filed a Complaint with OOC !!!

(757) 961-3544

January 6th, 2012 Dawna J CA

1/5/2012 5:03 PM ... ID says Portfolio Recov.... We don't know them... No one speaks when we answer...

(877) 803-0008

January 3rd, 2012 pozycjonowanie France

own you seen this tremendous medical purlieus i assuredly liked it and found admissible smart statistics

(757) 961-3544

December 22nd, 2011 Alice TX

Calls me everyday, but I never answer the phone. I just moved here from the U.K, and I am already being harrased by these calls.

(866) 691-3568

December 14th, 2011 brp

rude no message left

(914) 513-0163

November 11th, 2011 gator IA

wow thanks resident47! super starting places. Be assured, I wont go lazy, so far today three calls all different numbers. First time they called, I answered since we get numerous calls for another person whom we dont even know, I asked them for a break down of this supposedly outstanding debt, in writing, well, they refused to submit. When time permits I will keep you updated, just for chits and giggles.
thanks again for your info
gator

November 11th, 2011 Resident47 RI

You're right, Gator. As I discussed here five months ago, PRA holds a ridiculous pile of phone numbers to hurl at your few, some of which were obtained from a defunct telco. They haven't bothered to change the ''Sunrocket'' CID tags, which only adds another layer of deception to calls from that number batch. I've long ago discussed what a ''not me'' case can do. The strategy is more complex if your name is on a debt account, and merely stopping calls is not likely to resolve the whole issue.

If I'm reading correctly between your lines, you thought you had ''settled'' with a prior collection agency. I'd bet they turned around and resold the ''forgiven'' part, just the sort of junky retread account PRA loves. This among many reasons is why paying a rogue third party collector is the worst solution to a debt problem. They will find all manner of ways to sour the deal, break the agreement, and then blame the debtor for ''lack of cooperation''.

Debt buyers like PRA have so little skin in the game they can well afford to offer an easy ''half price sale'' and still turn a huge profit. They also rarely hold any real proof you ever owed. This means you have tremendous leverage to beat them back into their hidey-holes. In your story you assert that no one should be double dipping something already paid. Remember that proving your liablity is *their* problem, not yours.

Your new best friends now are the FDCPA and any state laws you have which may be stronger. If PRA wants your money, you are owed a dunning letter promptly after your first contact. Respond to that with a simple and proper dispute letter, and they can't bother you again until they send validation. Possibly this will be enough to shoo them away. In case it's not, set contact restrictions in the same letter. If your creditor contract has a favorable clause, electing private arbitration can be like wolfbane against their filing suit. Finally, look at your state Statute of Limitations and see if your old account is too aged to sue over.

Meantime, monitor and document all collector phone calls with exacting care, recording clean audio if possible. Sooner or later a junky collector will hand you violations worth up to $1K in a FDCPA suit. Pulling freebie credit reports, on real paper from the bureaus, may also be a good idea. Under FCRA anything placed in your trade lines must be accurate and there for a ''permissable purpose'', else you can sue data ''furnishers'' like debt buyers and credit bureaus which fail to reject the bad data.

Don't panic and don't go lazy. The early stages of debtor dispute are actually fairly simple once you understand the game. If you're smart about it your small efforts and certified mailings can save a lot of headaches (and assets) later.

Places to start your homework:
www.ftc.gov
www.ftc.gov
www.ftc.gov

Debt dispute and validation
www.collectorsexposed.com
hubpages.com

Statute of Limitations on debt
www.creditinfocenter.com
www.cardreport.com
www.carreonandassociates.com

November 11th, 2011 gator IA

they keep on calling with different numbers trying to collect money NOT OWED to them. These people are ruthless. funny how they offer you a break in payments only if you allow them access to your bank accounts!!!
no ****** way - how they get your info even tho this collection was paid off years ago thru another agency.
They should be put in front of a firing squad then lets see how fast they dial numbers endlessly
I need to follow up with current laws preventing them from calling again. since they call with different numbers call blocking is useless

(757) 961-3544

November 10th, 2011 Resident47 RI

Troubled: You may have a cause of action under FCRA. PRA needs a ''permissable purpose'' to pull credit reports. The can't just go fishing without a collection account in their possession. Obtain hard prints of the major bureau reports; those are the only ones a judge can't dismiss. The bureaus don't make it easy for consumers to correct or delete faulty trade lines, but it can be done with patience.

If a collector thinks you owe something, a dunning letter must be sent within five days of first contact. Failing that violates FDCPA.

pile o'resources:

www.ftc.gov
www.privacyrights.org
epic.org
www.creditboards.com
consumers.creditnet.com
www.debtorboards.com
www.debtorboards.com
www.debt-consolidation-credit-repair-service.com

(800) 772-1413

November 8th, 2011 YKWYA 07 Australia

don't try to reason
no words, no words
i've seen it all before
don't cry because it is too late
we make some people think
that's all they need to get home
now look into my eyes
i've seen the light

the star starts in the west
we have until we cry
last time we offer
it's going to slaughter out
his covered eyes
like in a really happy ending
don't look into my eyes
you're gonna die

please don't kill me now
in a house of guilty hate
we go around in circles
retaliate
ignore the pain
ignore the terror
we saw the tears
lost in their eyes

October 24th, 2011 Anthony56 OH

Hey everyone, with the help of my local police department in Tuscon, AZ, I've proceeded to trace the harassing phone calls down to a business in Belmont, Massachusetts. I've discovered information about the owner of the establishment via google and I'm in the process in filing a law suit against this guy. From my research I've discovered, his name is Chris Perron and it appears he's pissed off a lot of other people and business owners (according to negative feedback on his Merchant Circle account as well as other places). You guys can even see it for yourself, just type the guy's name (Chris Perron) and the business (Datboys Data Recovery) into a google search engine, you can see that guy has got some serious problems and definitely needs psychiatric help. So long story shot, if you have also been receiving death threats and harassment from this guy like I have then please contact me via email so I can link you with some references to put this creep to a stop and end the harassment. By the way everyone, Satan destroys his own!
Please email me at anon09176@live.com if you have questions/concerns.on this, I have a lot more information regarding this.

(757) 961-3544

October 15th, 2011 troubled

They call all the time, I don't owe any credit card company. Checked my credit report recently & they obtained a report 3 times within 2 months!

(866) 691-3568

October 11th, 2011 Anon here SC

Tries at home no message. May have found cell phone numbers by skimming cell towers This should be illegal They cost minutes

(800) 772-1413

October 5th, 2011 MonroeDarren Germany

The query is: how can you do. It is important to to get a niche market that you are eager to promote it their products.

(914) 513-0163

October 3rd, 2011 Resident47 MA

X, PRA's autodialers can't tell your recorded voice from that of Tennessee Tuxedo. (Don Adams, RIP) You cannot rely on your verbal demands because you cannot prove you issued them.

Send PRA a cease-comm notice via USPS Certified with return card. The FTC and many consumer watchdogs explain how to draft one. This will set a legal landmine, as such a notice is ignored at their peril. This kind of paper trail response has already been discussed in this thread.

October 3rd, 2011 Agent X NY

These people keep calling me when this clearly is not my debt, and as stupid as these crooks are seem to ignore the name and voice within the voicemail itself is a different person. I have no debts, as I have called and told them I am not the person you’re trying to harass.

(800) 383-8013

September 29th, 2011 Tammy Posey SC

Called my prepaid cell phone

September 26th, 2011 Resident47 RI

Charlie: PRA doesn't really care what your state law says and hopes you've never read it. Unless your debt was discharged in bankruptcy or you can invoke a Statute of Repose, merely calling you does not itself equal harassment. To rise (or perhaps sink) to that level, they need to create an annoying call pattern or actually say rude things. Monitor your phones, they yet may not disappoint you in handing you FDCPA violations.

September 26th, 2011 cowbulls GA

PRA is also Portfolio Recovery, a collection agency. They are the slime of a very sleazy pond.

(757) 961-3544

September 15th, 2011 Resident47 RI

Fred: Tiresome ''Pay Youse Bills'' catcalls do nothing to assist the wrongly accused, the illegally dunned, or the many people with no defaulted debt PRA calls each week.

M5: You could be leaving statutory award money on the table. Blocking and ignoring calls is not a strategy. PRA has hundreds of numbers to throw at your few.

Bothered: PRA does want your money but is not a telemarketer to be blithely ignored. It can and does gleefully haul people into courtrooms to enforce its bad will.

I'm glad my January prediction about the spamming ''Hater'' was wrong, though his sloppy approach to debtor defense was almost as bad as the sloppiness of junk debt collectors. Don't follow his example. Be smart about the industry rules and make them benefit you.

www.ftc.gov

September 15th, 2011 dave TX

scammers and scumbag foreigners

September 15th, 2011 bothered AZ

CALLER id is "portfolio recov". Another marketing ploy, they just want your money.

(800) 383-8013

September 14th, 2011 charlie

Arizona statute of limitation is six years, so it’s past six for me now, don’t they know the Arizona laws, and this is a form of harassment from the Portfolio recovery.

(800) 772-1413

August 18th, 2011 Gandalf 02 Australia

BILBO BAGGINS!!!! DO NOT TAKE FOR SOME CONJURER OF CHEAP TRICKS! I AM NOT TRYING TO ROB YOU!... I'm trying to help you...

August 17th, 2011 DisabledVet AZ

I received calls twice from 800-772-1413.
Caller ID: TOLL FREE
Call dates:
10:12am Tue 04 AUG 2011
12:34pm Tue 09 AUG 2011
Answering machine picked up but caller left no message.
Web search using search term (

(914) 513-0163

August 15th, 2011 ridiculous VA

these people are relentless, they need to stop calling me.

(800) 772-1413

August 6th, 2011 Resident47 RI

A little history on Portfolio Recovery Associates:

In recent years they'd submitted many thousands of affidavits signed by one Martha Kunkle, assuring judges PRA had standing to sue and garnish the assets of as many citizens, swearing to present ''a true and correct accounting'' of their account balances. The only tiny nagging problem was Ms. Kunkle had DIED in 1995!

In 2009 PRA gave up fighting a Federal suit filed in Montana over these falsified documents. The ''robo-perjury'' was penned by employees of lender Providian, led by Kunkle's own surviving daughter. Portfolio Recovery, the buyer of the large bundle of Providian accounts they were suing for, tried claiming clean hands. In 2008 testimony in another case revealed that PRA's own legal reps ''sign as many as 200 affidavits a day''.

PRA began posting a huge profit increase last year, becoming a darling among investment journalists, and last summer hired a fresh gang of lawyers for its stable of lawbreakers. By the dozen they have won stealth judgments, meaning assets frozen before the alleged debtor knows what happened, and often against the poor and working class.

Following a damning Wall Street Joural article (''Dead Soul Is a Debt Collector'') about the Kunkle mess on the last day of 2010, PRA slapped up a softsoaping ''resolution center'' website In January 2011 and promptly spammed a bunch of consumer forums to promote it. PRA had just finished merging and rebranding its municipal debt collection subsidiaries and evidently was desperate to play spin doctor in any forum bearing complaints, possibly anticipating a fresh wave of hatred from people being hassled over parking tickets. The not-very-resolving website is of course misleading and faulty in many ways, designed in part to make people forget their rights. Another reason to stay on a paper trail.

Do not roll over for PRA or any collector, but don't ignore one either. The FDCPA grants each of us the private right of action, but it's powerless if we don't use it. Learn your rights at FTC-dot-gov.

August 6th, 2011 Resident47 RI

This long thread carries a great deal of misinformation, as well as reckless contradictory advice as from Mr. ''Scam Alert'' in December 2010. (My reply is under 7579613544) whocalled.us

Here are a few debunkings:

- War dialing and call blocking is hardly an answer. PRA has invested in a huge volume of phone numbers to call from, and could resort to spoofing besides. This gets you into an arms race you will lose.

- Blasting whistles or air horns, prank return calls, and other obnoxious behavior are not valid countermeasures. They may in fact draw special attention to your case and accelerate the path to a lawsuit. *They* must be seen as desperate, *you* must be calm.

- PRA is not worried about its phone bill when it can clear thousands an hour on moldy junk debt. Find your civil court calendar and you'll see they have no problem paying legal fees to collect, either.

- The seven year FCRA time limit for reporting of accounts to the credit bureaus has NO bearing on the ability to collect debt. Each state has its own Statute of Limitations for different debt categories, the true legal ''shot clock''. The favorite game of all junk debt chasers is trying to get you to admit liability and/or send a payment to reset SoL. This is partly why early dispute of all debt claims of whatever age is critical.

- Collectors are frequently shy around phone message recorders to avoid lawsuits over privacy violations. It's not that they consider their calls unimportant, they prefer live calls, during which you'll likely perform the Identity Dance. They won't (or shouldn't) say much until the correct person answers.

- The DNC registry is for telemarketers, meaning sales, meaning all debt collectors are exempt. This fact was not kept secret from you when you registered your numbers. Attorneys general and the FTC are valid complaint venues which help the publc good but are not likely to grant personal justice. Understand that you must confront collection agencies directly if you dislike their treatment of your privacy and consumer rights.


Now for some friendly advice:

You don't have to sit still for lies and abuse from PRA or any other collection agency. There are state and federal laws to help you. You first want to get friendly with the federal FDCPA. It grants you control of how you are contacted, the right to dispute debt claims, and the means to sue at low cost.

www.ftc.gov

Any of you who might be held liable for some debt should dispute the claim and request validation. Do so on paper, sent USPS Certified with return card to best preserve your rights. This automatically enacts a temporary gag order. You can't legally be bothered until your request is satisfied. In the same letter you can revoke some or all phone call permission, an order which survives until you say otherwise.

A few decent ''DV letter'' guides are linked below:
www.collectorsexposed.com
www.debtconsolidationcare.com
hubpages.com

DV letters need not be jargon-loaded or full of furious threats, as in many poor examples you may find. If you can't get it down to a couple short paragraphs, you're probably rambling. Good discussions on the need for brevity are linked below:
www.debtorboards.com
www.debtorboards.com
www.debtorboards.com

A likely reaction from a junk debt buyer like PRA, since the alleged debtor is making the agency do actual work for a jackpot, is to quietly sell the account. It may over time return like a bad penny from multiple agencies, but sending a prompt dispute each time can prevent a world of headaches. A collector may still decide to sue if the alleged debtor is thought to have adequate assets and/or a weak case. But junk debt suits are known to be the simplest to beat since the chain of title tends to dissolve as the accounts are traded. In fact, they are usually sold with a miserably paltry amount of data; they have more bluster than facts.

Here's a rather good breakdown of the title chain issue:
www.debtorboards.com

August 6th, 2011 Resident47 RI

Irritated: The FCC can't do much for you. If you want complaint desks, the FTC and attorneys general are among the best choices. This will help ding PRA's reputation but is not likely to solve your own problem. You're even less likely to verbally convince PRA that it has the wrong party.

Since you're not the target of the skip trace, send PRA a cease-comm notice via USPS Certified with return card. The FTC and many consumer watchdogs explain how to draft one. Also mention that a mobile phone is being jingled. This sets the legal trap in two ways if PRA is dumb enough to try calling again.

August 6th, 2011 Irritated PA

I'm filing a complaint with the FCC on this company if it is indeed Portfolio Recovery. They keep calling my cell phone looking for somebody with the same name as my wife. The only problem is that the social security number does not match my wife and I have asked them to stop calling my number.

August 4th, 2011 Payback time FL

Tina had the BEST idea... I'm going to setup a call bomber to redial their frigging number a good 1000 times a day and rack up their 800 bill! I love it, thanks for the idea, Tina!!

(914) 513-0163

July 19th, 2011 Resident47 RI

Mr. XDebt, you are promoting some more fairly common misinformation, which I will unpack:

} ''there's a 7yr. statutory limit to your debt.''

No, there is a seven year limit on *reporting* debt to the credit bureaus, under FCRA. This reporting limit has *NO* bearing on the ability to collect a debt. Each state has its own Statute of Limitations for different debt categories, the true legal ''shot clock''. That period ranges anywhere from three to fifteen years. Curiously, not one state has a seven year SoL on any form of debt, putting the lie to any confusion of SoL with bureau reporting.

} ''If they say it's gone to collection, they've sold the debt''

False. A debt account may also be *assigned* to a third party collector while still owned by the original creditor. (''OC'' for short) It is very useful to determine early in a dispute if you're dealing with assigned or sold debt, as the available defenses to each differ.

} ''Always deal with the original debt holder.''

Many times this is not possible. Part of the agreement between the OC and a collector of assigned debt will often stipulate that the collection agency takes right over. If you contact the OC, its rep will likely refer or directly transfer you to that collector, maybe without full disclosure you're being passed to a third party.

A debt buyer has no ties at all to the OC, which at that stage has already been compensated through writeoff of the face value and usually doesn't want your money.

} ''no legal obligation to repay a debt to anyone but the original debt holder.''

False. A debt buyer purchases with accounts the right to enforce the original contracts and sue to collect.

} ''Stop Answering unknown phone numbers. ... sent mailings for debts 10yrs old''

Doing nothing in response to collectors is a roulette game at best, played in hopes you won't be sued for aged debt. Ignoring dunning letters is a sure way to give up a lot of your rights. Answering a few calls is sometimes the only way to identify the various ''unknowns'' and catch a collector making stupid FDCPA violations, the kind you can convert into a winning legal case.

The main strategy is to make information flow only in the consumer's direction, avoiding any admission of liability. Saying you're broke is not a defense, nor is asking how to pay, so do neither. Guesswork does not protect your rights and assets. Learning the industry rules will help the most.

July 19th, 2011 Mr. XDebt NV

I've never picked up. Don't recognize the number. I've been sent mailings for debts 10yrs old by these jerks. Remember there's a 7yr. statutory limit to your debt. Also, you have no legal obligation to repay a debt to anyone but the original debt holder. Never pay a debt to a Collection Agency. Always deal with the original debt holder. If they say it's gone to collection, they've sold the debt and it's been satisfied with their accounts. You have never contractually agreed to repay the collection agency, so tell them to stick it! Stop Answering unknown phone numbers. -Mr. XDebt

July 12th, 2011 Resident47

Lou, if a cease-comm or validation request did not work for you personally, you cannot extrapolate that all such notices are useless. Did you send yours CMRR or try to cheap out on First Class? A collector *cannot* ignore any provably received notice without stepping on the land mine this notice sets. Like I said in April, if they want to be stubborn arses, take that mint greed card to a judge or private arbitrator and see if PRA wants to laugh it off then at a $1K price.

I agree that making noise in front of regulators is helpful for the broader populace, but it's not likely to solve a singular person's problem. The FTC is not a personal policing force. Maybe one AG will take pity and step in, but that public official is not your private attorney. You've no idea how much the big box banks are quietly bankrolling the debt collection industry, and likely your local reps with it.

You will also please note that Cate, commenting here in April, tried your brilliant idea and got only a lip service response. PRA kept calling but no longer transmitted useless CID .... big whooping victory there. The change might have been a weird coincidence besides.

People are being abused *now* by these fiends, and they only get a year from a given violation to sue under FDCPA. Yes, did you miss that part of the this thread and all the helpful FTC materials? Pining for a rescuer is not ''the only way to prosecute them''. Consumers are already granted private right of action! They do not have time to wait for legislative workshops, committee meetings, collections lobbyists, and the rest to fail to haggle out another minor rule amendment. (If anything that energy should be directed at compelling more states to apply a mini-FDCPA to original creditors as Texas and California have done.)

} ''Contacting them will only provide proof that you are indeed their target debt holder''

.... another myth which needs debunking monthly. Merely responding to a debt collector DOES NOT reset SoL, DOES NOT admit liability, and DOES NOT put you on any sucker list. It's *how* you respond which makes all the difference, which again I have already discussed. No thanks to the industry's evasive phone tricks, you might have to answer at least one call just to establish a pattern of abusive calls and their source. Then get on a paper trail like I keep advocating if your lips are too loose.

Spamming your same rant another five times within eight minutes, mostly to PRA threads where cease-comm is never mentioned, is not helping your credibility.

whocalled.us 2011-07-11 23:17:59 UTC
whocalled.us 2011-07-11 23:19:32 UTC
whocalled.us 2011-07-11 23:21:43 UTC
whocalled.us 2011-07-11 23:23:23 UTC
whocalled.us 2011-07-11 23:25:02 UTC

July 12th, 2011 August CA

Calling for credit card debt that I do not even posses or had owned.

July 11th, 2011 Lou MO

Sending cease and desist legal notices does not work! File a complaint with your State's Attorney General, along with documented times/dates of calls or contact. You can also file complaints at FTC.gov but don't expect a reply from them.
Contacting your State Representatives to request new law enactment against these "loop holers" is the only way to prosecute them for their actions. (State of Missouri has already done so).
Contacting them will only provide proof that you are indeed their target debt holder, even if it was "charged off" years ago.
Be proactive and push for laws against them in your State. The old ones allow them to continue their harassment.
DON'T TALK TO THEM!!!

(866) 691-3568

July 11th, 2011 donna NY

call itself came from a yonkers number 914-513-0163 but they number they left to return the call was 866-691-3568 and belongs to portfolio recovery....

(205) 588-8197

July 5th, 2011 Resident47 RI

Mike, are you sure? The AC 804 number you gave is attached to Nationwide Credit, according to your own transcript, not Portfolio Recovery. NCI and PRA do not share common ownership so far as I know. Do you maybe have two entities hassling you (illegally) over a single account?

July 5th, 2011 Mike NJ

Scumbags called a minute before from 804-591-0462

June 30th, 2011 FRANK VA

No message; we dont leave answerer turned on anymore

June 28th, 2011 d PA

caller Id display only showed private name. 205 588 8197 6/27/11

(914) 513-0163

June 21st, 2011 Resident47 RI

AR: PRA has dozens of phone numbers to throw at your one. Blocking is an arms race you will lose. If you'd followed my advice from a day before your entry you'd have known to send a cease-comm notice, again via USPS Certified.

Attorneys general and the FTC are valid complaint venues which help the public good and may get the bad actors eventually fined and shut down. But understand that you must confront collection agencies directly if your goal is to halt or punish their mistreatment of your privacy and consumer rights. Unless of course you want to keep hearing the phone ring through 2012.

Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov.
www.ftc.gov

June 20th, 2011 JOHN IL

FINANCIAL CRIMINALS WHO DISOBEY FEDERAL LAW !!!!!!!!!!!!!!!!!!!!

June 20th, 2011 me CA

I am going to go and waste them and their families.. Enough!! I am going to sit out in front of the post office and or their bldg. of business.. Their are a group of us who are FED UP... They and you will know who we are....... SOON!!!!!!!!!!!!

(205) 588-8197

June 20th, 2011 Charlie FL

No message left. They Hung up when answering machine started.Im pretty sure it is Portfolio Recovery because they keep calling asking for someone with a similar name to mine and theirs is the only name that is blocked or concealed out out all the people that call me.

June 15th, 2011 Resident47 RI

Ohio's Fair Debt law appears to be a carbon copy of federal, apart from that one line about a consumer claiming poverty. Most anywhere else in the nation, such a statement is to be avoided, as it's a hair away from admitting legal liability. Turning out your pockets is a condition, not a defense, one that will prompt a judge to hand summary judgment and the keys to your assets to the collector.

Under federal FDCPA, and likely many similar state laws, you don't need a reason to cease calls. You just tell 'em to knock it off, preferably on paper, most effectively sent USPS Certified with return card. To Yuck's question, the FTC language does ban call patterns meant to ''harass or annoy'', but does not benchmark numeric values. Harassment from phone calls alone, stripped of context, is known to be a difficult platform for litigation. Our civil courts are more or less owned by the debt industry, and judges tend to favor the corporations. (This could get us into a whole essay on the false ''morality'' of debt and overall bias against people who assert their Fair Debt rights.) Collector calls are lumped into a nebulous notion of ''victimless crime'', until very obvious abuse takes place, such as foul language and baseless threats.

This is not to say legally beating back collectors is futile. Many will fold with a settlement check long before you see a court judge or private arbitrator. It comes down to the quality of your pleadings and your care in gathering evidence and memorializing events. Play a strong hand and the cowards will lay down, just like they try to do to we consumers with bluffs.

Kat found the hard way in February that PRA has a half-bazillion phone numbers to throw at our consumer average of two. Therefore blocking via devices is an arms race you will lose. The better path is to take a few calls with pen and paper handy, or better yet a means of recording clean phone audio. PRA is a big enough meat grinder that it can't help violating laws sooner or later, and the phone is where most collectors do their worst. Turn the flow of information in one way, only from the collector, and you should avoid the usual pit traps they like to set while luring them to a trap of your own.

June 14th, 2011 yuck

At what point does their endless calls with no caller ID displayed, or numerous no message left calls, become a telephone harassment situation? Every state has their own laws, but what about at the federal level, since these calls are crossing state lines?

June 14th, 2011 Laura

According to Ohio law, if you tell a debt collection agency that you do not have the money to pay the bill, they are no longer supposed to contact you by phone.

I have told this company several times and they will not recognize State law and continue to harass me.

Here is the Ohio Law that Portfolio Recovery Associates continues to break:

Fair Debt Collection Practices Act (FDCPA) in Ohio
There are federal and Ohio state laws that protect consumers from malicious and unfair debt collection practices. Facing financial debt is hard enough without inappropriate communications and activities from creditors. The Federal Debt Collection Practices Act (FDCPA) provides protection from a variety of abusive, deceptive and unfair debt collection practices by debt collectors. The FDCPA gives consumers legal protection from certain forms of debt collection methods, including:
• Calling at a location known to be inconvenient, such as your place of employment or during inappropriate hours (generally between 9:00pm and 8:00am);
• Calling after being informed that you have legal representation;
• Continued communication attempts by a creditor after being informed that an individual is unable to pay the debt;
• Use of physical or verbal threats or acts to collect debt;
• Publicizing or threatening to make public your debt delinquencies;
• Excessive calling with an intent to disturb or annoy;
• Making false representations that the caller is an attorney;
• Making false threats that failing to pay will result in an arrest, imprisonment or other taking of one’s property;
• Attempting to collect a debt via a postcard;
• Acquiring an individual’s location information from another person, while stating that he/she owes a debt in order to learn of your location; and
• Threatening to deposit, or depositing, a postdated check before the date written on the check.

These actions include only a few circumstances in which a debt collector may be liable for violations of the FDCPA.

June 14th, 2011 Eliot AK

This is a scam, as far as I can tell this company just calls people with similar names and demands money.

June 14th, 2011 na CA

no message left and no caller ID, I will not return or accept calls like this....

(800) 772-1413

June 1st, 2011 cowbulls GA

THIS NUMBER BELONGS TO A DEBT COLLECTION COMPANY NAMED PORTFOLIO RECOVERY ASSOCIATES.

(866) 691-3568

May 24th, 2011 Resident47 RI

Noah: The ''personal'' bit of obfuscation is a nod to privacy regs in the FDCPA. You've no obligation to assist PRA's fox hunt. Since you're not the target of the skip trace, send a cease-comm notice via USPS Certified with card. The FTC and many consumer watchdogs explain how to draft one.

May 24th, 2011 Resident47 RI

phred: (sssiiighh ....) Here we go again. The term ''telemarketer'' means sales via telephony device. Look, it contains the word ''market''. You *sell* things if you are a marketer. Doing it remotely over a wire or via cel towers gives us the prefix ''tele-''.

Now that this is painfully clear, a debt collector is NOT in sales. He wants your money for no exchange of goods or service in return. If it had a stitched-up new word it would be ''telecollector''. If you want to play ''existing relationship'', you as an alleged debtor had one with the original creditor (OC) under a contract. The terms of that contract more than likely said that a debt buyer like PRA can stand in the shoes of the OC, having purchased the right to collect and continue to enforce the contract terms.

The ''existing relationship'' language really doesn't apply in its usual sales mode sense, but really the business relationship continues, only in new hands. We as consumers are not ''customers'' of a debt collector; we are cattle to be rounded up for the real customers, the clients who hire a collection agency.

The confusion of sales thinking with debt collection is an error of framing I see constantly. The sooner you frame the issue the way the collectors *and* the collections regulators see it, the better prepared you will be to defend yourselves when the nasty calls and letters arrive. The FTC does not define collections as ''telemarketing'', and neither should you. It follows that the FTC exempts collectors from scrubbing the DNC registry.

If anyone is ''forgetting something here'', it's that very fact of exemption of all non-sales calls which the DNC site tries to make you understand at the time of number registration. A ''smart attorney'' would be crumpled on the floor laughing at any assertion that ''debt collection effort is by definition illegal telemarketing''.

Therefore, stop looking to laws which do not apply to collectors and find the ones which DO, some of which have already been mentioned!

May 24th, 2011 Noah NE

called asking for someone that we know but doesnt live here. told them she doesnt live here. the lady, lida, was rude and insisted that i take a message. when i asked what this was about, she said personal. I should have told her that if it's so personal then get a hold of her yourself!

(757) 961-3544

May 7th, 2011 m503t907 MD

I never answer these type of call calls.

(877) 803-0008

May 6th, 2011 Linda MI

It looks like some slimebag just bought the unpaid debts of the previous owner of your number.

May 6th, 2011 RANDY CA

I have been getting repeated calls for the past 2 weeks from this number. I am floored. I have had this cell phone for ABOUT 2 years and all of a sudden I am getting calls for someone I have never heard of. Only 4 people have my cell phone number. I remember when I first got this number I almost requested a new number because of all the wrong numbers. It took me a while but people finally stopped calling this person. Now out of the blue people are calling again - or rather - just this number.

(914) 513-0163

April 17th, 2011 AR WA

2011 is the SECOND year I have been receiving calls from this company. I have filed two complaints with the FTC in regards to this continuing call program, but they still call, including on Sundays. I now intend to use a call blocker.

April 16th, 2011 Resident47 RI

Cate, your assessment of PRA and its industry at large is accurate, but needs minor correction.

The collection agency (C.A.) in receipt of a USPS Certified piece is not the one mailing back the mint green card. The USPS does that itself, providing external proof of receipt, which is the whole point of spending $5.54 on a #10 envelope. Proof of your sending won't help in determining if the CA broke a rule by making contact a few days later. Fetching the record from a USPS database would prove difficult, and you would possibly have to get sworn testimony from an employee that the record is accurate.

I say let them ignore a validation request and keep calling; I could spend the $1K statutory fine on legitimate billers when I file suit. Ditto for dirty tricks they might play over the phone. If you take a collection call with the attitude that information must flow in only one direction, from collector to consumer, you can gather evidence and avoid admission of liability. This plan of course is optional. It's your phone to answer or ignore.

If you are receiving repeated, misdirected, and/or abusive calls from a third party debt collector, you may find relief in the provisions of the FDCPA, the federal law which regulates collector behavior and provides you simple tools for your own defense. It grants you control of how you are contacted, and the means to sue at low cost. Learn your rights and first response tactics at FTC-dot-gov. See also your state laws for additional support.

April 16th, 2011 cate PA

One of nearly 50 phone numbers this gang uses to harrass people, 914-513-0163 does belong to Portfolio Recovery Associates, out of Norfolk VA. They have "skip" technology to be able to make it look as if they are calling from all over the USA, but all calls originate in their sad little shop in Norfolk. They like to call with their caller ID masked, in order to be more likely to fool and intimidate their victims, but ever since I complained to the state office of consumer protection under our Attorney General, the calls have been coming - to our house - with the company name on the caller ID. These bottom feeders buy up debt that is so old it cannot be collected, and then set out to bully, intimidate and manipulate and deceive anybody they can, whether that person ever owned the debt or not, into paying them big bucks for something they "bought" for pennies. Without the Best Congress Money Can Buy, this kind of extortion scam would not be tolerated, but it was enabled late '80s, when the Congress decided to give the whole economy to the financial sector - banking,Wall Street, insurance, etc. Do not ever speak with these swine, as it only encourages them, and they are taught to bully and manipulate and intimidate over the phone. Do send them a certified letter/return receipt requested, asking for verification of the debt. They will throw the letter into the recycling bin unopened, and never return the receipt, but you will have your own copy of the letter you sent, plus the proof you sent it, and a record on the Postal Service's computer showing that it was received, and the date. It might be worth your time to keep a phone log of all their calls to your home. If they call your cell phone without your permission, you can sue them. Plenty of info re these vermin on the internet, including their fraudulent 1099-C's they issue to the IRS.

(757) 961-3544

February 23rd, 2011 Tracy S IL

SCUMBAGS keep calling my FAX PHONE..geez

(800) 772-1413

February 23rd, 2011 R D CA

The people at this phone number must have the email address of www.webedumeasses.webarckthelaw.com

(757) 961-3544

February 21st, 2011 Fred PA

PAY YOUR BILLS AND THEY WONT CALL

(205) 588-8197

February 11th, 2011 Kat

Portfolio Recovery Associates (PRA)never gives up, keeps calling from different numbers, once they figure out a number has been blocked. They never leave a message, so I have no idea who they are trying to reach.



Portfolio Recovery Associates (PRA), LLC
www.portfoliorecovery.com
140 Corporate Boulevard
Norfolk, VA 23502

Has offices in Birmingham, AL ; Virginia Beach, VA; Norfolk, VA ; Newsport News, VA; Jackson, TN ; Memphis, TN; Hampton, VA; and Hutchinson, KS

February 10th, 2011 Resident47 RI

Send a cease-comm via USPS Certified with card. The FTC and many consumer watchdogs explain how to draft one. Learn how to exercise your FDCPA rights at FTC-dot-gov.

February 9th, 2011 T

PORTFOLIO RECOVERY seems to never give up ...don't owe nothing to these guys or anyone else as am current.

(757) 961-3544

January 31st, 2011 Resident47 RI

Any day now the 'PRA Hater' will find this thread and hijack it with his ongoing copy-pasted crusade against a single agency. Also known as 'Scam Alert', 'Junk Debt SOL', 'Scam Fraud', 'Junk Dept', and other handles, let's save him some trouble. Without actually reading this thread, he'll dump one or more of the following:

- A stupidly redundant copy of the blocking device tag found on the bottom of EVERY page on WCU
- A self-contradictory and misspelled rant against PRA by 'Jonathan' made on this site in December 2009 (first appearance 8888548938, which also has an early entry from 'PRA Hater')
- The front end of a blog post from 5.5 years ago (http://credit.typepad.com/credit/2005/04/junk_debt_buyer.html)

No attribution is ever given to the authors, and the overall agenda is unclear. Defining the broader debt industry problem is a good long discussion to have, but beyond the scope of this forum. Blocking or ignoring calls and defeating bad collectors are incompatible strategies, as anyone with experience in debtor defense would agree.

Along with the frequent name changes, at times the poster has dropped his load on the wrong threads, unwittingly emulating the runaway skip tracing behavior of the collectors. As with any offered advice, always consider the source.

January 31st, 2011 Resident47 RI

Side note .... PRA is the agency made infamous for passing along the "robo-perjury" of thousands of affidavits "signed" by a dead woman. See the Wall Street Joural article "Dead Soul Is a Debt Collector" for more.

January 31st, 2011 Resident47 RI

Changing your own number is a VERY last option, KV. There is plenty you can do before that. As you and most others have found, verbal demands never work on these rogue debt collectors. Send a cease-comm via USPS Certified with card. The FTC and many consumer watchdogs explain how to draft one. This makes your demand actionable in litigation, therefore very hard to ignore.

"Rude and combative" handily describes the typical rep for these firms. Depending on how severe the hostility, you might have grounds to threaten suit and win a settlement. Read about the FDCPA as I've plugged before and see if you have such options. Document all calls meantime.

January 31st, 2011 KV NC

Annoying and rude, very combative when you actually have someone to speak with. They ignore you when you tell them to stop calling. Changing my phone number, last option as I see it.

(858) 346-2240

January 31st, 2011 Resident47 RI

[cont] .... (At least you finally corrected 'statute'.) You persist in redundant copying of the blocking device tag found on the bottom of EVERY page on WCU. Now you've added the front end of a blog post from 5.5 years ago, again without citing your source.(http://credit.typepad.com/credit/2005/04/junk_debt_buyer.html)

What is your axe grinding about that you have to carpet bomb so many Portfolio Recovery threads with all these sloppily pasted items? I'm not questioning the need to air discussion of broad debt industry abuses, but will you ever have anything specific to say about PRA? Will you decide someday what your user handle is? You don't see how the buckshot theory can harm your cause, whatever it might be?

January 31st, 2011 Resident47 RI

Honestly, PRA Hater -- also known as 'Scam Alert', 'Junk Debt SOL', 'Scam Fraud', 'Junk Dept', and whatever next. You keep replaying the same self-contradictory 'Jonathan' rant against PRA (first appearance on WCU 8888548938) with no attribution. (At least you finally corrected

January 31st, 2011 Resident47 RI

Honestly, PRA Hater -- also known as

January 29th, 2011 Junk Debt IL

Junk Debt Buyers - a growing slime pit

There's a thriving industry of debt buyers who purchase very old and long-neglected debts for pennies on the dollar. They tack on fees and interest, and then try to collect the entire amount for the full amount plus interest.

They're junk debt buyers, and while their business isn't necessarily wrong or illegal, their practices often are. Problem is, a lot of debt buying firms are bottom-feeding scumbags who will resort to any sleazy tactic to make a buck, and have no respect for the law. Specifically the Fair Debt Collection Practices Act, which they regularly abuse, taking advantage of consumers' ignorance of their rights and timidity when confronted by tough collectors.

Their secret is, they purchase old, bad debts that the original creditor wrote off as uncollectable, and then pursue them years later when your credit score has come back up. See, they aren't stupid. If you're the same 420-credit score who never paid that bill for the last 10 years, they won't waste your time. But if you've gone on to purchase a home and clean up your act and you're now enjoying a 650-plus score, you're their prime target. These debtors, they (correctly) reason, are more likely to settle up these old debts now that they've achieved some financial security. Especially when the collector has illegally reaged the account and brought the debtor's credit score crashing to earth.

January 29th, 2011 PRA IL

STOP HARASSMENT by Junk Debt Collectors of Statute of Limitation expired debt. GOOGLE: PORTFOLIO RECOVERY HARASSMENT - and: STOP JUNK DEBT COLLECTORS

Block them with a call blocker:

* Uniden DECT1288 blocks up to 20 numbers, plus Private and Unknown, with the reject tone, without ringing the phone.
* Panasonic KX-TG106 blocks up to 30 numbers, plus all unidentified callers, with a busy tone, after the phone rings once.
* JF Teck Caller ID with Ring Controller blocks up to 70 numbers, and can be set to always allow up to 100 to ring through.

January 29th, 2011 PVR HARASSMENT IL

GOOGLE: PORTFOLIO RECOVERY HARASSMENT - These pests buy very old junk debts for pennies on the dollar with expired statute of limitation, than use illegal harassment tactics trying to intimidate uninformed individuals to pay money for this junk debt, which is noncollectable since the statute of limitations has long expired. Never ever agree to pay ANYTHING to these law breaking rats, since by doing so you would void your statute of limitation protection. Google: "Portfolio Recovery Associates Scam" to find out more about their lawless behavior, send a letter requesting validation of debt [Google how to do so] and report them to your Attorney General, the FTC. They have many law suits pending against them. Don't fall for their scam - block their calls, or send a "cease and desist" letter [Google] or simply ignore them, or answer and sing a song or whatever. Fight these slimy roaches!! Good luck!

(757) 961-3544

January 26th, 2011 TEX TX

calls 6-8 times a day DI FRAUD WATCH OUT THEY WANT YOUR INFO THEY ALLREADY HAVE MOST OF IT.
DON'T RESPOND

January 26th, 2011 tex TX

calls 6-8 times a day DI FRAUD WATCH OUT THEY WANT YOUR INFO THEY ALLREADY HAVE MOST OF IT.

(800) 383-8013

January 25th, 2011 Resident47 RI

Well, James, that's a thickening plot, all right. Two scenarios come to mind:

- Your name or number is messed up with some other account, and somehow the rep you spoke to missed this.
- Your theory is holding, that a (more) rogue (than usual) PRA staffer, current or former, is combing files for a personal fraudulent payday.

The first snafu happens so often as accounts are bundled and traded by the thousand, it's just not amusing. Fake collection I can also believe. The collections industry is full of employees who can describe the interior of a jail cell from memory. Hire persons with nothing to lose and they will do almost anything to hit the performance targets on the office whiteboard.

In your place I would still hold PRA's rear end to the burner until they can prove beyond doubt not to be liable for the actions of the unknown callers. After all, PRA is the agency made infamous for passing along the "robo-perjury" of thousands of affidavits "signed" by a dead woman. See the Wall Street Joural article "Dead Soul Is a Debt Collector" for more.

January 1st, 2011 James OK

Well, when I called Portfolio Recovery, the first question I was asked was "How did you get this number?" (I have my ways). The information the representative from PRA gave was accurate, and included my current address and telephone number, which I had given them in a letter prior to retiring the 2007 debt. The woman, after klickity-klacking on her computer a few seconds, was quite clear about the status of that old debt (paid in full), the information was accurate, and she informed me that there was no debt that they were aware about under my account. She also stated she did not understand why I would call them.

It makes me wonder, since I called them yesterday, if an old employee with old records got hold of my step-father's number but did not have mine, or perhaps an old employee of one of the three credit reporting agencies (as that debt had been reported to them when it went delinquent), or perhaps even some criminal element has gotten my, or those companies' older records. It just smells to high heaven of a scam, but maybe not perpetrated by Portfolio Recovery.

I contacted everyone I know about this, even my ex-wife, with whom that old debt was with (joint credit card), and filled them in on all the information about this. My wife is recommending I put a flag on my credit reports, as I have no bills or credit cards at all, nor any need of them or loans. She suggests this just to ensure that someone doesn't try to apply for such under my name.

January 1st, 2011 Resident47 RI

James, I've read versions of your theory before, the notion of an ordinary scammer "borrowing" a collection agency number for spoofing. Since the tactics of both bad collectors and fake debt phishers are so alike, it is difficult to say you could be right or wrong. About all you can do in that much doubt is look for a pattern in the calls and in the reports people file on the gripe forums ... see what matches.

It's really enough to drive a person totally paranoid. Did you really speak to a PRA rep? Was her story accurate? Was she not given all the facts? Is the sky really blue or some clever projection? (... and so on ...)

One fact of note, a commercial telco account with a toll-free number often works only one way. Therefore a rep (or canned message) has no choice but to give a different number for return calls. Those return numbers can be much harder to find on the forums, but may appear in dunning letters and calls quoted by people fighting off lawbreaking agencies.

December 31st, 2010 James OK

Portfolio Recovery has somewhat of a bad reputation, as evidenced by my searching on the Internet in the last two days. While I am all for sticking it to them for unlawful practices they may have committed, I am also aware that identity theft does not just happen to people, it can happen to a company as well.

What happened to me below seems more like a scam from someone else rather than Portfolio Recovery engaging in questionable practices, so I thought I would put it here. Foxing a caller ID to give out a different number that what you are calling from is not a particularly difficult feat.

My step-father in Chicago received a call last night from a woman who gave her name as Stephanie Paige (or Page), purporting to be from Portfolio Recovery, trying to seek information on collection of a debt. She called from (800) 383-8013, but gave as a call-back number (866) 909-0529.

He did not give her any information, but he called me. I had cordial dealings with this company in the past when I worked to retire an old debt, now paid, so I did a little on-line research to find out what was going on.

I then made this report to the Federal Trade Commission this afternoon: A person who identified herself as Stephanie Page (or Paige), alleging to be from Portfolio Recovery contacted my step-father in Chicago on December 30, purporting to be recovering a debt. While that person called from (800) 383-8013, the number they gave to return a call was (866) 909-0529.

A Reverse Telephone number lookup on the Internet for the second telephone number yielded hundreds of blog posts from people fishing for all sorts of information or posting about threats or demands. After a reverse telephone number search of the first telephone number indicated that it was indeed Portfolio Recovery, today I called it to ascertain what the original call to my step-father was about.

The agent (unnamed) looked up my account on the company computer system, and told me that all she had for me was an old debt which was paid in full in 2007. The agent also told me they had no record of a call to another person about a debt collection, and that Portfolio Recovery had no record of any debt outstanding for me. FTC complaint number: 28707180

(800) 772-1413

December 13th, 2010 SCAM ALERT IL

Find out about their illegal activities, trying to collect old SOL - STATUTE OF LIMITATION expired debts from clueless people!

Google: "portfolio recovery scam".

Report them to the Federal Trade Commission, Better Business Bureau or your State Attorney General - and block their calls:

Google: "phone call blockers" - they can be purchased for little money at eBay

Some call blockers:
• Uniden DECT1288 blocks up to 20 numbers, plus Private and Unknown, with the reject tone, without ringing the phone.
• Panasonic KX-TG106 blocks up to 30 numbers, plus all unidentified callers, with a busy tone, after the phone rings once.
• JF Teck Caller ID with Ring Controller blocks up to 70 numbers, and can be set to always allow up to 100 to ring through.

By the way, if you want to set up your phone to forward their calls to the Federal Trade Commission, here's the number to use:
1-877-382-4357

These pests buy very old junk debts for pennies on the dollar with expired statue of limitation, than use illegal harassment tactics trying to intimidate uninformed individuals to pay money for this junk debt, which is noncollectable since the statue of limitations has long expired. Never ever agree to pay ANYTHING to these law breaking rats, since by doing so you would void your statue of limitation protection. Google: \"Portfolio Recovery Associates Scam\" to find out more about their lawless behavior, send a letter requesting validation of debt [Google how to do so] and report them to your Attorney General, the FTC. They have many law suits pending against them. Don\'t fall for their scam - block their calls, or send a \"cease and desist\" letter [Google] or simply ignore them, or answer and sing a song or whatever. Fight these slimy roaches!! Good luck!

(877) 803-0008

December 13th, 2010 SCAM ALERT IL

Find out about their illegal activities, trying to collect old SOL - STATUTE OF LIMITATION expired debts from clueless people!

Google: "portfolio recovery scam".

Report them to the Federal Trade Commission, Better Business Bureau or your State Attorney General - and block their calls:

Google: "phone call blockers" - they can be purchased for little money at eBay

Some call blockers:
• Uniden DECT1288 blocks up to 20 numbers, plus Private and Unknown, with the reject tone, without ringing the phone.
• Panasonic KX-TG106 blocks up to 30 numbers, plus all unidentified callers, with a busy tone, after the phone rings once.
• JF Teck Caller ID with Ring Controller blocks up to 70 numbers, and can be set to always allow up to 100 to ring through.

By the way, if you want to set up your phone to forward their calls to the Federal Trade Commission, here's the number to use:
1-877-382-4357

These pests buy very old junk debts for pennies on the dollar with expired statue of limitation, than use illegal harassment tactics trying to intimidate uninformed individuals to pay money for this junk debt, which is noncollectable since the statue of limitations has long expired. Never ever agree to pay ANYTHING to these law breaking rats, since by doing so you would void your statue of limitation protection. Google: \"Portfolio Recovery Associates Scam\" to find out more about their lawless behavior, send a letter requesting validation of debt [Google how to do so] and report them to your Attorney General, the FTC. They have many law suits pending against them. Don\'t fall for their scam - block their calls, or send a \"cease and desist\" letter [Google] or simply ignore them, or answer and sing a song or whatever. Fight these slimy roaches!! Good luck!

(914) 513-0163

December 3rd, 2010 CT NY

I received a partial pre-recorded message from this company today. At the end of the recording they provided the following information:

800-860-0644

120 Corporate Boulevard
Norfolk, VA 23502

I did a Google search on the address, and it came up as Portfolio Recovery Associates.

There are a LOT of reports about them being Fraudulent, and producing phony affidavits, etc.

Here are some of the links, check these out for yourself!!! One of these is even as far back as a legal complain filed in 1997!!

www.stopthecallsfast.com

www.ripoffreport.com

www.caught.net

HOW can companies like this be in existence?? I will be filing a complaint with the FTC and with the BBB about this!

I hope others will file reports as well! These types of practices need to be stopped!

December 3rd, 2010 Edgar Frog NC

None

November 30th, 2010 Dan GA

Calling at 802 am. this morning really?

(800) 383-8013

November 26th, 2010 Resident47

Kelly, it's not hard to find complaints against PRA, a chronic lawbreaker. I'm not sure they have been found snooping in credit reports for weak targets, but that sort of entrapment is not unheard of.

If you are receiving repeated, misdirected, and/or abusive calls from a third party debt collector, you may find relief in the provisions of the FDCPA, the Federal law which regulates collector behavior and provides you simple tools for your own defense. It grants you control of how you are contacted, and collectors can be sued for their crimes. Learn your rights and first response tactics at FTC-dot-gov. See also your state laws for additional support.

(866) 691-3568

November 24th, 2010 phred

Aren't we forgetting something here? Portfolio Recovery is a telemarketer. They should be held accountable under provisions of the Do Not Call List.

Telemarketers can call providing they have an existing business relationship. But Portfolio Recovery is calling regarding debts too old to constitute an existing business relationship. Or they are calling people who are not the original debtor (new phone number, relative, divorced spouse, etc.)

As such, their entire business plan is one where they know, or should know, that the majority of people they are calling should not be called under the provisions of the Do Not Call List. I think a smart attorney could make a pretty good case that Portfolio Recovery's old debt collection effort is by definition illegal telemarketing.

(800) 383-8013

November 24th, 2010 Kelly to SAD NE

To SAD:
I understand what you're saying (hence why I work very hard to pay my bills), and I understand your attitude from the people you have to deal with. However, asking if something's legal or correct is not only our legal right, but it's the only smart thing to do. Your company may not run scams, but there are several out there that do (I even had a collection caller admit that to my father once saying that they call everyone with the same name and hope someone pays it...they don't care if it's the right someone as long as they pay it, and a lot of people, especially elderly, will pay).

I do have a question for you because I don't understand: what's the point of you and your company pulling a credit report on someone every 6 months? If they owe you something, they owe it. Their credit report isn't going to show you another debt they owe you unless you put it on there, right? So, please explain the point of the credit report pulling because it sounds like you're almost admitting to pulling a report and pulling off old debts that you may or may not have legally purchased and going after the person for them without regard to accuracy or doing actual research or proving the debt is owed. That probably isn't true, but that's what it sounds like.

November 24th, 2010 Kelly NE

My parents got a call from them on a phone number that has only existed for 5 years. They were looking for me. I haven't lived there for 23 years. A few years ago I had to do a Chapter 13 bankruptcy (I chose the CH13 because I WANTED to pay my bills and I wasn't trying to get out of it, but resolve it and stop collection calls) due to large medical bills. My bankruptcy was paid and discharged almost 2 years ago. Since then, I have been monitoring my credit and there's nothing on it. So, this company cannot be calling on a good debt. Everything has been paid and discharged. And since I moved 23 years ago, I really don't think they have the right person since I don't live anywhere close to the same area. I have lived at the same address for 17 years, I've had my current phone number for at least 8 years. I put my accurate address and phone on everything, yet I haven't received a single piece of mail or a single phone call or message? Seems fishy or strange. I don't know whether I should call them and try to straighten it out or not in case they're just fishing. Is there any true way to find out if this company is always above board and doesn't try to collect on debts that have already been paid?