Here's just some Portfolio Recovery Associates' numbers





















847 994 2540

518 207 3602

404 921 2521

484 489 2841

484 489 2840

626 209 2244

626 209 2241

800 772 1413

410 575 1863

620 662 1492

859 918 0780

678 265 1576

678 265 1568

858 346 1184

800 860 0644

443 313 1382

443 313 1381

412 282 1423

412 282 1422

412 282 1421

440 580 0721

440 580 0720

877 803 0008

757 864 0020

914 513 0163

571 261 0047
 Jun 25th, 2013
Left no message; did not return call.
 Jun 23rd, 2012
Helpful: Knowing that SoL has run is only part of the story. Your moldy account can be collected until Doomsday or your death, whichever comes first. The only difference between now and 2006 is that PRA can't get a judge to help collect. If you're sued over this, you would raise SoL as a killer defense. Any threat to sue you would violate the FDCPA, which is the controlling law for debt collectors.

Next, as you've found belatedly, the Telemarketing Sales Rule does not apply here, as the ''marketing'' part of the term should imply. This also makes Do-Not-Call complaints from you and Sam invalid. The following URL links to the FTC FAQ page which the DNC site *twice* coaxed you to read before you registered your numbers. See items 28 through 32.

As for revoking all permission to contact you, the FDCPA specifies that you do so in print, just as your rep told you. Send your cease-comm notice via USPS Certified with return card. Verbal demands cannot be proven, thus are not much obeyed by chronic lawbreakers like this agency.

Bubba, I would more accurately say the PRA rep was leaning on your sense of shame. The word ''deadbeat'' was implied even if never spoken. This is a very common industry tactic, frequently leading to legal violations you can use as ammo against the agency in court. Possibly your PRA rep has already ignored your rights, if you study what was said closely.
 Apr 25th, 2012
Upon further reading, I discovered that debt collectors are exempt from the do not call registry rules. So sorry for the WRONG info!
Unhelpful Hint
 Apr 25th, 2012
I've gotten two calls from Portfolio Recovery Services in the last month about a debt from 11 years ago. I'm from Illinois, and the statute of limitations is five years on collection of delinquent revolving lines of credit, such as credit cards. Which is to say, the original debt cannot be collected after five years. So this debt was legally no longer my responsibility 6 years ago. I told the last guy who called to not call again, and he claimed I had to do that in writing. That’s not true According to the Federal Trade Commission’s Telemarketing Sales Rule (aka: the do not call registry). If you tell someone they cannot call you again, they have to abide by that, even if they have conducted business with you within the last 18 months. Otherwise, according to the rule, if you have not conducted business with a company within the last 18 months and you have put your phone number on the do not call registry, they cannot call you. If you have told them not to call, or you haven't had any business transactions or communications with them in the last 18 months and they call you any way, be assertive and get their name, company name and location and tell them you are going to report them to the Federal Trade Commission. The FTC will investigate and possibly fine them. I’m sure you’ll never find out if they were ever fined over your complaint, but this should give them a reason to delete your phone number from their automated computer calling system.
Helpful Hint
 Apr 25th, 2012
Portfolio Recovery called me about a debt that is more than 6 years past the statute of limitations. She tried to insinuate that my intent was to never repay my debt when I actually lost my job and hopped from state to state for 5 years until the statute of limitations was up. You know they're hard up when a shady collection agency appeals to a person's sense of decency and fairness to get them to pay off a debt.
 Apr 17th, 2012
Define ''nasty'', Reynolds. You don't owe debt collectors any answers, but they owe you a minimum of civil behavior. If you're badly treated, they also owe you a payout in court. It's likely the agency had no need to hassle you, but pretended your son went missing so that you would help it create the desired false shame.

You can demand on paper that you never be contacted again. Your son needs to take control when PRA gets around to dunning him, sending a proper dispute letter which includes instruction that some or all calls are inconvenient and that no other family members are to be disturbed.

Learn how to exercise your FDCPA rights as an alleged debtor at FTC-dot-gov.
 Feb 22nd, 2012
Just received the rudest call on my cell. This individual asked for my son and when I told him I would take his number and have him call, the guy got really nasty. He would not tell me what the call was related to, but DEMANDED that I give him my sons cell phone number.

Instead of getting his information, I simply said, "this conversation is done."
L. Reynolds
 Feb 21st, 2012
Portfolio recovery
 Feb 07th, 2012
Got this call just now and they asked for my landlords son. I tell them wrong number.. But I was curious to know who would be calling my home phone for him. So I put the number in a search engine and this site came up.. pretty cool.
 Feb 07th, 2012
We're on no-call list; this name began showing up recently. I recommend you treat it as a bogus scam because (a) the same name appeared two days ago with a different number 518-207-3618); (b) the phone numbers are assigned to mobile cell phones, and I strongly suspect they are "burner" phones used to avoid 'do not call' penalties.
 Feb 07th, 2012