recovery
portfolio
associates
person
norfolk
address
debt
collector
corporate
llc
mercury
Portfolio Recovery Associates, Inc.
120 Corporate Boulevard
Norfolk, Virginia 23502

http://www.portfoliorecovery.com/

Any collection agency that violates the FDCPA may be sued. Consumers can find more information at http://www.ftc.gov/os/statutes/fdcpajump.shtm

There is much controversy over statute of limitations in all states. Even within the states, judges don't agree on the dates which really does a lot for the whole situation.

Most of the time, if you approach these bozos with a formal letter sent certified mail, return receipt requested and tell them to cease communications until they fully validate the debt, they will sell it to another bozo collector who will proceed to attempt to collect on it. When I say fully validate the debt, I mean specifically state in your letter for them to provide documents proving you actually signed a cardholder agreement or contract for the debt they are pursuing, copies of all documents they have on file pertaining to the alleged debt and authorization from the original creditor that they as a collection agency have the right to collect upon the alleged debt. Do not accept a copy of a statement as a validation of a debt, it is worthless. They will try and use this to shun you and satisfy the requirement but it does not. That is why you must specify in detail the documents (any and all) they have pertaining to the alleged debt. Yes, it's a pain but so are they and they are relentless. In some cases, if you do not challenge it, they may turn it over to an attorney within your state and attempt to file a judgment against you for the alleged debt. They can win if you do not fight it and having previous evidence that you have fought it is necessary if it does come to that point.

Know your rights as a consumer and act against those who violate them.

The following is directly from the Fair Debt Collection Practices Act:

§ 809. Validation of debts
15 USC 1692g
(a) Within five days after the initial communication with a
consumer in connection with the collection of any debt,
a debt collector shall, unless the following information is
contained in the initial communication or the consumer has
paid the debt, send the consumer a written notice contain-
ing—
(1) the amount of the debt;
(2) the name of the creditor to whom the debt is owed;
(3) a statement that unless the consumer, within thirty days
after receipt of the notice, disputes the validity of the
debt, or any portion thereof, the debt will be assumed
to be valid by the debt collector;
(4) a statement that if the consumer notifies the debt col-
lector in writing within the thirty-day period that the
debt, or any portion thereof, is disputed, the debt col-
lector will obtain verification of the debt or a copy of
a judgment against the consumer and a copy of such
verification or judgment will be mailed to the consumer
by the debt collector; and
(5) a statement that, upon the consumer’s written request
within the thirty-day period, the debt collector will
provide the consumer with the name and address of the
original creditor, if different from the current creditor.
(b) If the consumer notifies the debt collector in writing within
the thirty-day period described in subsection (a) that the
debt, or any portion thereof, is disputed, or that the con-
sumer requests the name and address of the original credi-
tor, the debt collector shall cease collection of the debt,
or any disputed portion thereof, until the debt collector
obtains verification of the debt or any copy of a judgment,
or the name and address of the original creditor, and a copy
of such verification or judgment, or name and address of
the original creditor, is mailed to the consumer by the debt
collector. Collection activities and communications that
do not otherwise violate this title may continue during
the 30-day period referred to in subsection (a) unless the
consumer has notified the debt collector in writing that the
debt, or any portion of the debt, is disputed or that the con-
sumer requests the name and address of the original credi-
tor. Any collection activities and communication during the
30-day period may not overshadow or be inconsistent with
the disclosure of the consumer’s right to dispute the debt or
request the name and address of the original creditor.
(c) The failure of a consumer to dispute the validity of a debt
under this section may not be construed by any court as an
admission of liability by the consumer.
(d) A communication in the form of a formal pleading in a
civil action shall not be treated as an initial communication
for purposes of subsection (a).
(e) The sending or delivery of any form or notice which
does not relate to the collection of a debt and is expressly
required by the Internal Revenue Code of 1986, title V of
Gramm-Leach-Bliley Act, or any provision of Federal or
State law relating to notice of data security breach or priva-
cy, or any regulation prescribed under any such provision
of law, shall not be treated as an initial communication in
connection with debt collection for purposes of this sec-
tion.
MaggotAssassin
 Dec 21st, 2009
Just look at all these phone #'s Portfolio Recovery uses: 800-772-1413 800-383-8013 757-691-3568 866-691-3568 800-860-0644 866-428-6589 866-909-0529 877-803-0008 866-299-7422 866-879-2116 757-321-6278 800-722-1413 757-519-9300 866-532-9661 866-299-3632 866-109-93463 817-759-1364 800-803-0008 757-321-2508 866-940-7640 757-321-6277 800-320-9347 757-961-3546 757-961-3544 757-961-3548

Luckily my phone has the option of blocking calls.
877-803-0008
 Jul 28th, 2009
Portfolio Recovery Associates, LLC
Aka/Anchor Receivables Management
Corporate Headquarters
120 Corporate Blvd., Norfolk VA 23502,
Mailing address: PO Box 12914 Norfolk VA 23541
Phone: 800-772-1413 800-654-8818 or 757-519-9300
Fax: 757-321-2504 or 866-296-0635

Offices:
4829 Hwy 45 North
Jackson, TN 38305

New Market Mall
5200 West Mercury Blvd
Hampton, VA 23666

500 West 1st Avenue
Hutchinson, KS 67501


Portfolio Recovery Associates calls from 14 numbers:
800-383-8013
800-772-1413
800-860-0644

866-109-3263
866-299-3632
866-299-7422
866-428-6589
866-532-9661
866-691-3568
866-879-2116
866-909-0529

877-803-0008

757-321-6278
757-519-9300
Kat
 Feb 19th, 2009
Left message to call Kinetta Williams at 866-428-6589 Ext 11294

Know your rights.
www.consumercity.org/billcollectors.html

Portfolio Recovery Associates, LLC
Aka/Anchor Receivables Management
Corporate Headquarters
120 Corporate Blvd., Norfolk VA 23502,
Mailing address: PO Box 12914 Norfolk VA 23541
Phone: 800-772-1413 800-654-8818 or 757-519-9300
Fax: 757-321-2504 or 866-296-0635

Offices:
4829 Hwy 45 North
Jackson, TN 38305

New Market Mall
5200 West Mercury Blvd
Hampton, VA 23666

500 West 1st Avenue
Hutchinson, KS 67501


Portfolio Recovery Associates calls from 14 numbers:
800-383-8013
800-772-1413
800-860-0644
866-109-3263
866-299-3632
866-299-7422
866-428-6589
866-532-9661
866-691-3568
866-879-2116
866-909-0529
877-803-0008
757-321-6278
757-519-9300
Oklahoma
 Oct 03rd, 2008
I found free letters on www.adviceontime.com that you can mail to this a@@holes to get them to stop calling you. They also have an article on how to deal with them. Fight back, they have to respect your legal rights.
Jane
 Mar 06th, 2008
PORTFOLIO RECOVERY ASSOCIATES SEND A FORM 1099-C TO YOU?
PLEASE READ THIS.
http://www.debtconsolidationcare.com/collection-agencies/latest-scam.html
TSACGIV
 Feb 25th, 2008
They called at 8:40am by a computerized caller, asked for an unknown person. It said If you are ?? press one, If you are ?? spouse press 2, If
you are going to get ?? press 3, If ?? doesn't live here press 4. I pressed 4 and they said sorry for the inconvenience, then hung up. Of course, this was the day after Thanksgiving, and my wife was still in bed and asleep. They woke her - one of her few days she can sleep late. They should be shot, then hung from the fingernails and finally doused in gasoline and set on fire. Sorry A???oles!!!!!
Allen Archer
 Nov 23rd, 2007
Got the female british caller as well - tried to call back - all mailboxes are full, no answer from a person after dozens of attempts.
M
 Nov 11th, 2007
Definitely a female computer voice with a slightly British accent "Please return my call at 1-866-299-3463. This is Portfolio Recovery Associates"
G
 Oct 25th, 2007
Left Message said it was Portfolio Recovery Associates,a Debt Collector.???? Why would they call my number,I don't have Debts that need to be collected from them.
Although the person who had this Number before Us must be in big trouble as we have been getting calls from Lawyers and Debt Collectors for a good 2 yrs now,looking for someone named George sorry can't remember the last name.This is probably for him as well. I'm tired of telling these people that George doesn't live at this address and they act like I'm lying to them or something. Grrrrrrrrrrr...........I wish this would just stop,I'm sick of my phone ringing all the time.. George pay your debts so I can have some peace.
TK63
 Oct 24th, 2007
Called - announcement stated that the company is Portfolio Recovery Associates, a debt collector.

http://www.portfoliorecovery.com/customers/index.asp

Alternate contact number: 1-800-772-1413
mixbsd
 Oct 17th, 2007

11 Comments