pra
debt
old
three
credit
recovery
fdcpa
resident
collectors
debts
early
This group are calling on old debts and beware as they call from SEVERAL NUMBERS. This is a new one for me as I have them all listed on my phone to ensure I don't answer. Here are a couple: 407-347-4014, 404-592-5171, 412-282-1420, 443-313-1380, 678-262-1568, 858-346-1184, 510-355-1780 and new: 626-209-2241. DO NOT ANSWER THESE CALLS WHAT SO EVER OR THEY WILL CONTINUE TO CALL YOU AND BOTHER YOU!!! TX RESIDENT!!!
TX RESIDENT
 May 24th, 2011
Right you are, Mike. I take points off for not thinking of that myself. Given that PRA calls from somewhere between 749 and 80,001 numbers, stationing a call center closer to your home is quite possible, as is setting a machine to tickle some numbers before the office opens for staff. Or it could be just the night crew from India or Pakistan. Who can say these days? Greed never sleeps.
Resident47
 Apr 25th, 2011
In all fairness Resident47, it was 8:16am my time so they are allowed to do that unfortunately.
Mike
 Apr 25th, 2011
Losers and lawbreakers, Mike. That was 2.75 hours too early. Pick up some more boners like that and send them a "bill" for $1K.
Resident47
 Apr 18th, 2011
Wow....these scammers get up early in the morning. Calling me at 5:16am THEIR time? LOL. Losers.
Mike
 Apr 18th, 2011
Augee: PRA should have dunned you by mail the same week they started calling if they want to insist you owe something. Failing that is an FDCPA violation. They can't ignore a validation request if you put it in print and send USPS CMRR. Well, they can ignore it, but they have to shut up until proof of claim is presented. You're right, they use a ridiculous pile of phone numbers.

Green: Collection reps are trained to disbelieve everything they hear which does not contain the phrase "I will pay this". Follow my advice from February.

Green: Collection reps are trained to disbelieve everything they hear which does not contain the phrase "I will pay this". Follow my advice from February.
Resident47
 Apr 13th, 2011
This guy has been calling numerous times and asking me to pay credit card debts that I do not know that I have possessed and incurred. I asked them to proved or show any record of debt and until today they have not proven this. Very annoying and called randomly with different numbers.
Augee
 Apr 12th, 2011
These dopes keep calling for someone who had my number before it was issued to me. They don't listen, the girl tried to call me by the woman's name (who they want) but when I told her she had the wrong number, she addressed me as
Green
 Mar 30th, 2011
Kat: You've been reporting here on PRA since at least August 2010. You haven't missed all my responses, since in January you were quoting me without attribution. Isn't it about time you followed my advice and used the FDCPA to your advantage? Number blocking is a game consumers lose, defending their few numbers against the many collectors hold or may spoof. You and Suzanne and everyone getting called for no good reason can silence PRA forever with a single letter, or sue them into submission if that demand is ignored. Or you can keep coming back every month to these mystery call sites with the same old complaints.

Let me add here that if there is any chance a collector has a valid and enforceable claim, the wiser choice is a dispute and validation request. Trapped under a full cease-comm, the agency can only drop the claim or file suit. Again, the FTC is a good place to start your homework.
Resident47
 Mar 23rd, 2011
Mr. 'Google Us', for how long and under how many aliases do you intend to keep dumping the same front end of a blog post from over five years ago without giving credit?
http://credit.typepad.com/credit/2005/04/junk_debt_buyer.html
Resident47
 Mar 23rd, 2011
Mr.
Resident47
 Mar 23rd, 2011
This is the 11th phone number they have used trying to collect on an 18 year old debt that I do not even recall. Way past statute of limitations for collections. These people are real predators. I never answer calls from numbers that do not come up on my caller ID. Then I go to this site to see if this is another new number for these jerks.
suzanne
 Mar 22nd, 2011
Portfolio Recovery Associates (PRA) called from this number number, at 8:02 pm, did not leave a message, so have no idea who they are trying to locate. I block their number, so they will get a busy signal the next time they call. This makes the 28th number, that Portfolio has called from, in the past three months only.
Kat
 Mar 22nd, 2011
My God! These asses have a million numbers!!
Tracy S
 Mar 08th, 2011
They wont get a dime out of me.
pizza
 Mar 02nd, 2011
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 un-collectable, 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 re-aged the account and brought the debtor's credit score crashing to earth.

GOOGLE: PORTFOLIO RECOVERY HARASSMENT -also- STOP JUNK DEBT COLLECTORS

Portfolio Recovery Portfolio Junk Debt Collectors

'Zombie' debt is hard to kill - MSN Money

junk debt collectors

SOL debt collectors

Portfolio Recovery
GOOGLE US
 Feb 22nd, 2011
Calling for recovery of a credit card non-payment and this has no record of what he is asking and also not identifying himself on on the phone. He keeps yucking his heart out without hearing any of the word that I had said to him.
August
 Feb 22nd, 2011
Its time to try the information given by Resident 47. Thanks!
davinhan
 Feb 14th, 2011
Steve: Both the FDCPA and TCPA permit a daily thirteen hour calling window beginning at 08:00 in your time zone, absent a consumer notice that such permission is revoked.

RT: Three years and change is too long to go without taking action. Send PRA a cease-comm via USPS Certified with card. The FTC and many consumer watchdogs explain how to draft one.
Resident47
 Feb 10th, 2011
dumb Portfolio Recovery fucks -- They have called for three+ years with about 20 different numbers and leave messages for someone that I have no knowledge of...Great way to run a business
rt
 Feb 09th, 2011
No message, called at 8:38 AM. Thought telemarketers or collectors could only call after 9 AM.
Steve
 Feb 08th, 2011

21 Comments