The man immediately started to call me all sorts of names like deadbeat, c-sucker, SOB. I hung up!
How do these wierdos get off calling people and doing that? Maybe that's how they get off (!)
Portfolio recov is a scam and pretend to be a legal office they have people call and pretend that they are serving you with a court summons and do not follow fdcpa they are in complete violation of many infractions. It is also a violation to use a auto dialer to dial cell phones with out permission. If contacted by this company take precaution
Knowledgable Dec 18th, 2012
Wow. Slave driver bosses have employees in at 5:51am to call the east coast?
Or would they be just illegally spoofing their number? Nah, they'd never do that right?
If the call you get is a recorded message you can file a complaint with the National Do Not Call Registry whether you have registered there or not. They will accept the complaint.
maidensolo Nov 06th, 2012
I have filed a complaint with the National Do Not Call Registry. I suggest you do the same. These idiots can call up to 3 times a day and as late as 9 pm. Since it is a recorded message the Do Not Call people pay more attention to it. Apparently recorded messages are really bad and you can get them stopped. From the info above in the list of numbers it looks like they just get another number and continue with their business.
maidensolo Nov 06th, 2012
PORTFOLIO RECORVERY HAS BEEN CALLING FOR YEARS--LITERALLY. THEY CALL AND HANG UP NEVER LEAVING A MESSAGE.
Portofolio Recovery Associates refuse to stop calling me even a day after making the payments asking me if I want to go ahead and pay it off. I kept telling htem, I am sticking to what I told them - I will call them myself on the 3rd of each month to pay down in installments of 100 myself for next five months. They still will not stop calling. Harassing me all the time to the point I stop answering their calls and call them myself on 3rd each month to pay the balance down.
702.410.7497 is Portfolio recovery and despite several requests to not call my number because the person they look for never lived here, they keep calling.
Jesse, high volume debt collectors are notoriously deaf to verbal requests. It's not so much incompetence as the policy of lawbreaking debt collectors across the industry to assume you are a liar until you give an answer which gets one paid.
To a ''not me'' case I always recommend putting the agency on notice, just as you would if you were the target and the debt claim was invalid. Send a ''cease-communication'' 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 risk of a lawsuit from you.
While PRA does chase moldy junk debt, (and not the abbreviation for ''department'') those accounts never ''expire''. Legally in 48 states they can be pursued until Doomsday or a court order of discharge, whichever comes first. What matters is the ability to collect through a lawsuit, determined by the category of debt and the applicable Statute of Limitations in each state. (Mississippi and Wisconsin have a Statute of Repose, which makes collection illegal once SoL has run.)
As you've done, SoL is frequently confused with the seven year FCRA time limit for reporting of accounts to the credit bureaus, which has *NO* bearing on the ability to collect any debt. The SoL 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.
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Whether you are called a debtor or some collector thinks you can flush one out, you have rights and options. Most are simple to exercise if you only learn how. The FTC and the CFPB can start you on your homework. See also if your state laws grant additional or stronger rights.
official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act
CFPB reiteration of the Fair Debt Collection Practices Act
Resident47 Aug 07th, 2012
This is portfolio recovery, this company buys long extinct debts then tries to collect them after the Federal law says such dept is expire (7 years) they keep calling me despite me telling them the person who they are looking for does not live here. I have asked them to remove my number they agree to then keep calling me over and over..