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.
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.
That's guys for all the info
tired of idiots Nov 06th, 2012
I keep paying these dirtballs but they call every week looking for "automatic" payments. Fat chance. KMA-BMS Portfolio
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:
Resident47 Oct 29th, 2012
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.
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.
ZombieBuster Mar 06th, 2012
They are calling about a credit card I paid off twelve years ago, claiming I owe over $10k. WHAT THE FUCK.
New contact on my cell phone "Do Not Answer" and all calls go straight to Voice Mail...
My attorney is drafting up a class-action lawsuit with me as lead plaintiff. We're going to hit PRA where it really hurts -- their pocketbook.
They keep calling on a debt that is 12 years old that I'm not responsible for....relentless.
woodforest bank, i closed my account and i guess i owed them $12 they claim but they call my work and home repeatedly and i'm sick of it. stop calling
That's actually a good question, Kat. If you read but a few complaint threads about debt collectors, they all speak of the same problem. Collectors do not listen to verbal demands. They assume you're a liar covering for yourself or the person they want, which I imagine in many cases is true. If your cease-comm demand is on paper and you can prove delivery, the collector is on notice to respect your wishes or pay up to a grand for your grief. That assurance is absolutely worth the current cost of $5.54 for a business size envelope.
You can specify when and how collectors can and cannot make contact, or shut them up completely, from a one-time letter. The FTC would not expect you to make individual demands against the dozens of numbers and addresses one collector might use. If your personal gag order is broken, it's a violation, no exit. If you catch them trying to fool you from a spoofed phone number or dressing mail to appear to come from another entity, you might besides get them on a misrepresentation charge. If it coms to a fight, it will be your stack of records against theirs.
If you're deadly certain the account is not yours, feel free to go with a total cease-comm. If you're not sure, I always advise requesting validation while restricting communication to USPS or some other graduated cease-comm, so the collector will not feel painted enough into a corner to sue.
Last thing, I did not say "Registered", but "USPS Certified with return card". If, and I will not repeat this here, you read what the FTC says, and a host of other consumer defenders preach, you will find the same advice on how these thugs operate and your first response.
Resident47 Oct 17th, 2010
Help me understand. If you tell them to stop calling you - then they just call you from a different number?????? Is that legal or do you HAVE to spend $5.00 for a registered letter ????????
"ChargedOff2002" has it almost right, but the lead sentence is wrong. A collector can and does often force payment by securing a default judgment through the court system. The "shot clock" only runs out when a debt account has aged past your state's Statute of Limitations. Oh, they can still harass you then, but no judge can help them do it, unless of course you are foolish enough to let them reset that shot clock. There is plenty the debtor can do to forestall or prevent those bitter outcomes, without necessarily hiring legal aid or paying anything the collector demands, depending on the particular circumstances.
If you read through this thread you will see why it's so very important not to give the collector any verbal answers to inquiries. The dirtiest of them, like PRA, will try to trick you into lopsided agreements on their terms, which they will later break and make worse for you. Move the discussion to a paper trail, out in the sunlight.
Those of you who are certain the collection calls are misdirected don't have to take weeks and years of ringing phones. You can reply with a "cease-comm" notice by USPS Certified with return card, violation of which carries a fine. Those of you pulling pranks and being abusive in return are counterproductive. In any consumer dispute the first side to lose composure loses the argument.
You have rights as an accused debtor under the FDCPA. Learn them at FTC-dot-gov.
Resident47 Sep 30th, 2010
Yes, they only have about 3 dozen plus numbers they can call from. Its just amazing.
I keep getting calls from this company, very annoying, they call from all different states!
Not sure why they call at all hours of the day and night, I'm bankruptcy protected. Called BBB, they have multiple complaints against them.
These guys can't make you pay for a charged off debt unless they can bully you into it by calling repeatedly. F them- send them a no call request in writing and you're done. Don't talk to them- it does no good! They'll still call and if you enter into any payment arrangement then they are justified into calling more, wiping out your bank account, or worse. They are bottom feeders- taking people who had a bad debt in the distant past and trying to make it continue into the present. Don't be a victim! Refuse their calls! Send them a no-call letter! Forget about them!
ChargedOff2002 Aug 20th, 2010
A bunch of pain in the ass con artist collectors............just dont anwser the fricken phone at all
i beez lookins fo u mutha fukin crakers to beez payin yous billz i stills beez callins yous evry day mutha fukas
some black nigger looking for someone that had my number at a previous time...fucking chimp, i told her to get some fucking bananas and shove them up her nigger asshole!
Bottom feeder junk debt recovery outfit -- calling for someone who never lived here.
collection agency. uses several phone numbers w/different prefixes. doesent leave message.
Time for a class-action lawsuit, it seems.
This is a blocked/gov cell phone number and not sure how they got the number. I do not have any association with this company.
I owe nothing to anyone so I played a word game with these fools until the ape that was talking got mad and hung up on me. Molon Labe beeoch!
Just got the call.I looked at the phone - looked up the number and here I am.I am comment 19 congrats to me
Constant hassle from these people (?)...
Even though no such person has this number they
bother, pester and continue to call..
Just put em on block and utilize the the high
pitch tone to destroy their ear drums.. Now they
leave me alone..
SoldierByte Jul 19th, 2010
Double Down Black Bush, and Bush Junior destroyed me life.
Abort them Jul 17th, 2010
These dumba--'s have been told for the last time...we do not give (allow) employees calls from scumbags like these. They need to reach them at home. We have our corporate attorney on it.
Do not try to appease these crooks by promising to pay. They will try to trick you into saying this. If you do, this will reset the clock on the statue of limitations for collecting ANY PAST DUE DEBT even if it has been over 10 years. Legally they will be able to proceed with garnishment and debt collection. Share this info!!! THEY PURSUE ILLEGAL-TO-COLLECT COLLECTION-BARRED-BY-LAW DEBTS!
Calls from over 70 phone numbers, including these http://whocalled.us/lookup/800-772-1413
Has called my home from 9 different numbers, leaves no messages, but keeps calling, anywhere from 8:11 AM to 9:00 PM.
These people have been stalking me for years. I have asked repeatedly for them to mail me an original document proving I owe this. If I owe I will pay it. It has been going on for 4 years and still no documentation. Don't answer them because when you do it re opens the case. They are bottom feeders from hell!!!!
These idiots call 3-4 times a day. They tell me I am a liar when I tell them they have a wrong number. My answering machine announcement gives 2 totally different names than the one they are looking for, and they still leave a message for someone else. They proceeded to tell me one time they are going to garnish my wages. The best one is that because I have the number that that person gave them that I am responsible for a $4,000 debt. I am recording ALL of the harassment from these idiots and going to file a class action suit against them. I am sure there are MANY more people getting crap from these people.
They are STUPID Jun 05th, 2010
Portfolio Recovery and Anchor Receivables:
Call your local phone company to see if they have a service called "Call Intercept".. there is a monthly charge to have this service. With "Call Intercept", you can block any number in the United States. I have "Call Intercept" on my home phone thru Verizon and I am able to block 25 numbers. The person calling your number will get a recording saying "THE PERSON YOU ARE CALLING DOES NOT ACCEPT CALLS FROM THIS NUMBER, GOOD BYE." It's GREAT blocking Portfolio Recovery Associates from calling all day from different numbers. I am hoping that Verizon will extend call count from 25 to 50 numbers.
I like to answer and get absolutely rude with them. I had one tell me, "sir, you don't have to talk to me that way". I said, "yeah, well you call me b--ch, I didn't call you." As long as they call, they can expect verbal abuse.
now another call today,unknown other call was from 757-864-0020
,have kept a record of all harrassing calls,starting from Newport News ,Va.13 calls since the first of the year.todays call from Birmingham,Alabama why hasn't the floods hit this phone number caller or a tornato.
im not sure why they call me i'm 75 years old and dont owe anyone a damn dime. those little fukk-tards !
they also call from 731-215-8010
They have been calling, i guess going on 3 years now. Haven't answered yet, nor do I ever intend to. These lowlife scumbags, and I'm being nice calling them that, are calling about a debt that was written off more than 10 years ago. It doesn't show on my credit record at all. It is well past the SOL. If they miss a day calling, I get worried that something is wrong with them. WHAT ASSHOLES!!!!!!!!!!!!!!!
special double ring (like u'd assign to granma's number), out of my area code, or lots of zeros in the number and it goes to the answering machine; leave no message and it goes into the Bel-Tronics call blocker... It's pleasantly rude and concise lol. Terrible we have pay $ to have harassment piped into our homes.
wudabuddle Apr 19th, 2010
So... This will make me feel better to vent with you, but is there anything to be DONE?
Gotta admire Portfolio's tenacity, or would it be they never quit hoping? I'll never answer their calls, and never send them any money.
What dumb idiots. I work at an apartment complex. I answered the phone with the apartments name and my name is Mary how can I help you. The guy saids yes Mary this is so and so from Portfoilio Recover etc called to collect a debt for Capital One. I asked him who he was calling for and he says Mary N*** (which is one of our residents). I then told him that this is an apartment complex office and I was not who he was looking for. He said well you answered to Mary. I told him "my name is Mary but its Mary S****". I think they need to listen a little more carefully and make sure they are talking to the correct person before they start spilling out private information. What idiots
8:48 pm same company different number everyday. PR
Portfolio Recovery Associates - Bottom feeding scumbags. Yet another number of theirs to add to your phone's "ignore" list