PWR: Two or three weeks of silence is a good sign. You hopefully have your own copy of the cease-comm. I'm no more thrilled to spend $5.54 every time some agency becomes an irritant, but CMRR is a cheap investment toward a three or four figure settlement, should the matter need a judge or arbitrator to step in.
I also retain the little paper receipt with the postmark, on the wild chance USPS fails to return the mint green card. My twin doctrines are "Murphy's Law" and "Anus Protectus".
Yes, ERC has the same issue with misfired calls. All the large volume collectors do. That's the fallout from steamrolling people for their assets by the thousand. Luck be with you.
Resident47 Feb 07th, 2011
I finally took your advice and wrote PRA a letter demanding that they stop calling me. I sent the letter back in mid-January. I didn't send the letter "return receipt", just regular mail. So far, so good. It will be interesting to see if they call again. I am now going to write a similar letter to Enhanced Recovery Company. They seem to have the same problems as PRA.
Again, thanks for your comments.
Portfolio Recovery is nothing more than dirtbags who have no friends and could not work a real job if they tried. Trying to collect charged off debt is something you would find under a dictator! Not the USA.
Debt collector trying to tell me I had a credit card past due from over 10 years ago, when I never had a card to begin with. Scam. Don't answer.
I've been receiving what seems like a daily call from variety of phone numbers. I've told them to mail me at my PO Box, but I've never received any billing information to substanatiate their claim of who they represent. The following is a partial list of caller IDs when they've called:
407 347 4014
appyridr: I do hope you chose your words with care, lest PRA take them as an excuse to restart SoL, as discussed already. Personally I would wait for a dunning letter if the calls just started this week. If this is about an old debt of yours, paper should be sent to you within five days of first contact. Let them keep calling, document everything, see if anything they say or write is a violation of state and Fed laws.
If they behave well enough, send a simple cease-comm. You should not need to quote state law; PRA can read it as easily as you. If they bend and break laws, you can make it an "Intent To Sue" letter. You might just collect from _them_ without getting near a courthouse.
Resident47 Jan 18th, 2011
Finally actually talked to someone. They were trying to collect a 12 year old debt. Had a fit when I wouldn't give them my bank account info. Took forever to get a mailing address to send them "something" which I'm sure they assume is money although I never mentioned doing that. Will send a letter regarding the statute of limitations for debt collection.
Brotherman, the month you stopped paying toward that van and the statute of limitations in your state determines how much damage PRA can do now. Very likely a dozen years is too late for anyone to sue, but this does not stop a collector from hounding you until the end of human time, hoping you'll send payment and reset the SoL clock.
A few states have Statute of Repose, which considers a debt nonexistent when SoL expires. Can't sue, can't collect, can't touch it, and you can blast an agency even harder in court for trying.
Resident47 Jan 18th, 2011
I'm sick of these people calling me. I get calls from other numbers from Portfolio as well. This was for a Van that was repoed from me in 1999. 12 years! (REALLY?). This should be against the law.I just started receiving calls for this after all these years.
Brotherman Jan 18th, 2011
Don't let the madness stretch a fifth year, Bllluejem. Take action as I've been suggesting here for weeks.
Another fun fact about PRA .... 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 its own legal reps "sign as many as 200 affidavits a day".
One day some miserable troll will appear on this thread or some other for PRA, or another large volume collector, browbeating you to "pay youse bills" and "stop whining" and "accept responsibility". Just think of dearly departed Martha Kunkle, and her faithful daughter, and the many collection industry drones who are _trained_ and _paid_ to LIE to your FACE about your supposed "responsibility".
Resident47 Jan 12th, 2011
Don't be surprised if you get calls from other parts of the country. This is the fourth region they have attempted to contact me. They are true bottom feeders and are relentless! They also will fill your mailbox with attempts at collection even though you may not owe anything. I have been putting up with this for over four years!
Callers from this number will now receive a disconnected notice, as if from the phone company... the power of a PBX and CID.
Valderost, PRA may not care to realize they are wrong. If violated, your cease-comm also becomes actionable under FDCPA, meaning you can hose PRA in Federal court.
Resident47 Jan 04th, 2011
Got a call for "Robert" from yet another unknown number. The past calls from Robert were always from Portfolio Recovery, so I asked the caller if she was calling from Portfolio Recovery. She said she was. I explained that there's no Robert at this number, I pointed out that it makes no sense to keep calling me when they're trying to reach someone else. She said she would look into it and have my number taken off their list. Same old story, yet somehow I hold out hope they'll quit calling me.
I've got a letter drafted explaining the facts, ready to send to their corporate registered agent in my state. If they think I'm Robert and evading their calls, they will be required by state law to stop calling me. If they realize I'm telling the truth, hopefully they stop wasting their time on me. And if they call again after they get the letter, I'll get the state's Division of Banks and the Attorney General involved. There's no reason I should be harassed by repeated phone calls for someone else's bad debt.
I've heard your sentiment before, PWR, that the bad collectors are borderline illegitimate as businesses. On priniciple I would agree, except that lawbreaking agencies can use the courts to enforce their will. A few things to consider before you hit that delete button:
PRA should not be pelting you with skip tracing calls. If they've had one contact with you and you said "not here, go away", the FDCPA says they can't bug you again without a reasonable doubt the intel gathered from you was faulty. This rule gets bent a lot. If PRA discusses the debt with you or your phone recorder, that violates your son's privacy rights under the same law. The statutory award if either of you victoriously file suit is $1K, more if you can prove damages. You might even work in a few counts of nondisclosure based on fudged CID. A solid case with good documentation will be taken on contingency by a decent consumer lawyer, fees paid by the opposition.
That's all part of the "private right of action" you have. You're free to react or ignore according to your comfort level, but you don't know today if a few months from now you will need evidence of PRA's rude persistence.
Resident47 Dec 27th, 2010
Thank you for your comments and assistance. Below I said, "No legitimate business EVER has a need to hide or spoof their phone number." The operative words are "legitimate business." The last time I didn't pay a bill in full when due was in the 1970s. Even then, I only carried a balance for a couple of months. I don't owe anyone a dime and haven't in years. These folks are trying to find my son. He hasn't lived here in years. I'm not going to waste my time trying to document, write letters, etc. I simply don't answer the phone when I don't recognize the number. It only takes a second to delete a message should they leave one. Beyond that, I really don't care what they do.
Left message, after a full minute of blank tape, said to call 1-800-860-0644
for a debt collection, but did not say who this was for??? Then stated their main office was in Virginia.
They also called from three other NEW Numbers, this month, but did not leave a message. I just keep blocking their numbers. They never say who these calls are for, and they seldom leave a message. Most times, they get my Voice Mail, use up 1-2 minutes of blank tape, then hang-up.
PWR, a collector MUST stop calling if you take the discussion to a paper trail, as I have promoted here for a month. Also, there are in fact a few legitimate uses for hiding or altering CID, usually where law enforcement and privacy concerns are a factor. Debt collectors are in a regulatory bind making them not entirely at fault for fudging CID.
The FTC makes two demands of third party collectors which are sometimes in conflict. A collector must make "meaningful disclosure" of its identity yet respect the privacy of whoever is named on a debt account. Agencies are sued about equally if they do or don't make simple disclosure. Some will never leave a message, others go halfway with vague references to a "business matter", still others will leave those absurd self-authenticating commands to stop listening if you're not the intended target.
The real key here is to monitor calls closely and document them, looking for behavior patterns which may indicate your rights have been denied.
Resident47 Dec 25th, 2010
These fine folks call 4,5,6,7,8 times per day. They use multiple phone #s - 412-282-1420
, 205-588-8181, spoof their id to "unidentified" several times a day, and probably use many other numbers I don't know about. Best solution: use caller id. If you don't recognize the number or if it's "unidentified", just don't answer. No legitimate business EVER has a need to hide or spoof their phone number. If it is a legitimate call, they will leave a message. Telling PortRecoveryScum nicely that they have the wrong number does no good at all. It simply encourages them to call more. Don’t waste time trying to be nice or help them. They won’t stop calling.
These fine folks call 4,5,6,7,8 times per day. They use multiple phone #s - 412-282-1420, 404-592-5171
, spoof their id to "unidentified" several times a day, and probably use many other numbers I don't know about. Best solution: use caller id. If you don't recognize the number or if it's "unidentified", just don't answer. No legitimate business EVER has a need to hide or spoof their phone number. If it is a legitimate call, they will leave a message. Telling PortRecoveryScum nicely that they have the wrong number does no good at all. It simply encourages them to call more. Don’t waste time trying to be nice or help them. They won’t stop calling.
These fine folks call 4,5,6,7,8 times per day. They use multiple phone #s - 412-282-1420
; 404-592-5171; 205-588-8181
; spoof their id to "unidentified" several times a day, and probably use many other numbers I don't know about. Best solution: use caller id. If you don't recognize the number or if it's "unidentified", just don't answer. No legitimate business EVER has a need to hide or spoof their phone number. If it is a legitimate call, they will leave a message. Telling PortRecoveryScum nicely that they have the wrong number does no good at all. It simply encourages them to call more. Don’t waste time trying to be nice or help them. They won’t stop calling.
I might add to Lloyd's reading list a superb industry primer released this July by the National Consumer Law Center. Go find "The Debt Machine: How the Collection Industry Hounds Consumers and Overwhelms Courts", handily published in PDF. It traces a destructive and worn path from predatory lenders to hostile debt collectors to their de facto courtroom henchmen, and loops right back to those big banks who quietly finance some of the worst actors in collections.
Resident47 Dec 22nd, 2010
Calls different times of the day AND night. Looks like this is a norther Alabama number. Portfolio Recovery.
I get calls from Portfolio Recovery every day from area codes 205; 731; 443; 404; they never leave a message so I have no idea at all w ho they are collecting for
Relentless calls regarding 10yr old debt ...poor guys...who would want that job? Dont fall for it folks!
Here is a article that states what these scumbags do:
Boom in Debt Buying Fuels Another Boom—in Lawsuits--- http://tinyurl.com/22ma9f7
Has some good understandable charts too as too what they buy and how they recover.
Wall Street has taken notice. J.C. Flowers & Co. LLC, the private-equity firm, has a 24% stake in Encore. Black Rock Inc. owns 6.9% of Portfolio Recovery Associates, a Norfolk, Va., company. In October, the company reported its highest quarterly revenue ever.
Better see this one too: Debtors Pushed Into Deeper Hole by Settlement Companies
And this scumbag too doing off the intimdation of bad debts over 10 years old.
Jerry Curtis of Nationwide Recovery Systems goes to the extremes http://tinyurl.com/2atqqhp
And there's nice little story that shuld help in moving you to get *armed* with more information:
Portfolio Recovery, dumb bastards calling me after 10 years old debt.
Dan Simpson Dec 20th, 2010
I found this at .... http://nextlevelunlimited.net/blog/portfolio-recovery-associates-debt-collection-scam/
Collectors and skip tracers have access to databases like you wouldn't believe, Katie. Privacy remains a fragile state.
Resident47 Dec 14th, 2010
I received a phone call a few minutes ago from this number 205-588-8181. I don't know how they got my cell phone number. They asked for a certain person in my family. How did they get my number? and how am I related to a person they are trying to reach. I contacted my telephone company asked whether or not they gave my cell phone number and they said that they can't unless it is published. My number is not published.
Called at lunch.. I told them I wouldn't pay them 1.00 dollar if I won the 100 million dollar lottery.
Auburn Tiger Dec 13th, 2010
Portofolio Revovery, collection Agency for Bank of America, they call several times a day using different telephone area codes , Scumbags , DO NOT BANKING with Bank of America ..........
received 15 calls on my cell phone.
One of the ways Portfolio Recovery gathers cell phone numbers to call is from telephone companies' "alternate contact phone number."
Today I found out I unwittingly gave my cell phone number to Verizon a few years back when they installed landline service. That cell phone number is _still_ in Verizon's records. I'm current with my bill to Verizon, but Verizon reports contact info to credit recording agencies. I know for sure if I was ever to default on my Verizon landline bill Verizon's collection agency would call my MetroPCS cell phone and put it in my credit report for others to use.
I think people need to be ever vigilant when giving out "alternate" or "emergency" contact data. That data from Driver's License databases, rental contracts, auto repair, etc. is collected and used by telemarketers and creditors.
They called and told me I had a credit card in collection. A First Premier credit card from 2002. I have never had a credit card with this company.
This collector is hardly phoney, but their practices are often baloney. If you're certain PRA has the wrong target, Jean, there is nothing to fear. Hit them with the cease-comm letter as the FTC and countless consumer forums advise. Watch for violations, and maybe you can turn the scare on them.
Resident47 Nov 30th, 2010
Phoney collection agency..with info! I don't owe anyone anything, but this is scary.
These people are calling about accounts that are so old they no longer show up on my credit report. Whatever you do DO NOT send them money! If you do, then the balance will be reposted to your credit report and will be another 7-8 years before it comes off again.
These people called me to tell me I had a First USA card in collection with them, however I have a perfect credit history and have never owned a First USA Visa card. I promptly hung up on them, thinking that someone might have stolen my identity and checked my credit reports, and there are 0 negative items to be found by any of the 3 credit agencies.
portfolio recovery. have no idea what they were talking about.
A message was left by "Tiffany" she left a number and said that it was an attempt to collect a debt, and any information obtained will be used to collect. D-LEET.
Phone Owner Nov 30th, 2010
These guys are a riot. They claim I owe them a couple of grand from a 1993 credit card. Fact is I haven't owned a credit card since 1990 thus rendering their claim quite impossible. I'm waiting until they have an impact on my credit report before I sick my lawyer on them.
Nonetheless, C.M., PRA will claim they were trying to find you, and that's a permitted purpose for pestering extended family members. The name assigned to that phone is presumably not a minor, which gets them off that hook for the moment.
If the call was not taken live, keep a copy of PRA's message if possible. Document any calls to yourself or others. Collectors generally get only one try at each peer of yours they call. Monitor for violations, such as PRA telling anyone but you the call regards a debt, or claiming to be an "old friend" with some vague emergency, or being threatening in some way.
Resident47 Nov 27th, 2010
My 12 year old daughter told me they called her cell phone and asked for me by name. The phone is registered under another family member's name, not mine. No one in the extended family has any financial issues. There was no legitimate excuse (not even cold calling) for their phone call.
Concerned Mom Nov 27th, 2010
It's not the collector's job to correct bad data, Kev, but win payments. Of course, they're more than willing to hunt for phone numbers when skip tracing, or hounding a person by calling all his neighbors when the alleged debtor's number is already known. If you inform PRA they are ringing a mobile phone, you can bag them for violation if they call that number again.
Resident47 Nov 27th, 2010
Interesting. Portfolio Recovery uses hundreds of numbers from all over the US. They do no verification, once a phone number is in their datbase. I've been getting dozens of calls (I don't answer them, but they all trace to Portfolio Recovery) I don't have any debt, or bankruptcy. What I do have is a new cell phone, with what is apparently an old number that is in Portfolio Recovery's databanks. The phone is no longer answered unless I know the caller.
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.
Resident47 Nov 26th, 2010
This is the wierdest thing they have some of the information right(scary! need to put these guys out of business
ou8hairpieb42 Nov 24th, 2010
This company calls from at least 4 area codes with a variety of numbers
Reportedly try to collect debts that are too old according to the Statute of Limitations, or debts that are invalid or non-existent.
how many times can they call a day? Everything I search a number it comes back Portfolio Recovery. After a failed business I filed Chapter 7 several years ago and have no credit cards now. I get 4 -5 calls on my cell each one a different number
got same call and did not answer, googled number and just as I suspected...collection agency. Stupid bastards, I inherited the cell phone number and thought after all this time when I put their numbers in my contact list and set the ring for no ring they might quit..nope. Oh, well they can dial all they want and never get through. Lights on but nobody home, fuk em.
I do not answer any number I don't know if they would leave a message I would return a call but as long as there is no message for me I ignore as a telemarketer.
Sherry Staggs Nov 23rd, 2010
never leaves a message. Would gladly like to call back, but I am not going to call blindly and be caught off guard with nonsense!
Must be a new number for Portfolio Recovery... just forward all unknown numbers to the Federal Trade Commission (1-877-382-4357
). If these scumbag junk-debt vultures are going to be bothering someone, at least they'll be bothering the people who can do something about it.
Portofolio Recovry, collection Agency for Bank of America , FIA Cards, they call several times a day, using diferents area codes............. They are very nasty...........
supertrout Nov 19th, 2010
Portfolio Recovery Associates, Inc. “PRA”
Corporate Headquarters is located in the Riverside Commerce Center:
20 Corporate Boulevard
Norfolk, Virginia 23502
Located at the intersection of Military Hwy. and I-264.
Phone number: 1-888-772-7326
Skiptracing, Asset Location and Collateral Recovery Department
Business Development 800-588-0097
Revenue Discovery Systems
2317 Third Avenue North, Suite 200
Birmingham, Alabama 35203
Tax Remittance Address
Sales Tax Division P.O. Box 830725
Birmingham, Alabama 35283-0725
P: 205.324.0088 | F: 205.423.4099
Revenue Enhancement Specialist
FRESNO, CA (Corporate Headquarters)
Attn: Client Services
7335 N. Palm Bluffs Ave
Fresno, CA 93711
WOODBURY, NJ (Formerly: PHILADELPHIA, PA)
190 N. Evergreen Ave, Ste205
Woodbury, NJ 08096
Local Fax: 856-251-1119
1400 K Street, Suite 212
Sacramento, CA 95814
WESTLAKE VILLAGE, CA
32107 W. Lindero Canyon Rd, Suite 233
Westlake Village, CA 91361