How do you figure that you owe them money? Have you ever done any business with Portfoolio? Have you ever received any goods or services from these bottom-feeding vermin? OTOH, has Portfoolio Recovery documented and verified a debt they claim they bought from some bank that had written it off 15 years ago (and got generous tax breaks for the bad debt.)? Can they prove this is your debt? I forced these vermin to answer my inquiry to them by complaining to the state attorney general's office -- consumer protection -- their lawyer wrote back in black and white the admission that the debt could not be verified. So, has the so-called debt they say you owe them been verified? He also said they bought the line in a printout (from some bank I never heard of) in 2001, though they never started their harassment campaign until 2009. Statute of limitations, anybody? (That would only apply if they could verify the debt, which they can't, so back to square one...)Tell them to take a very long walk off a very short pier. You owe them nothing.
They call my work number several times a day, any and every day of the week, at all times of day, from several different numbers. I have never, ever answered. I don't waste my time picking up, hanging up, yelling, asking for Pearson, or trying to talk sense into an idiot. Who needs the aggravation? If you know it's them, either block them or don't answer. Don't waste your time on these trolls.
You can yell at them and curse them out. They stop for awhile and it's starts all over again. They keep asking for someone who hasn't lived here in 10 years. I tried being nice and explained to them the person they are looking for hasn't lived here in years. I even gave them a possible number they could find them at. They don't listen or care, they just keep calling. I would like to find their main office and and sue the living daylights out of them for emotional distress. If anyone finds out where they are located, put up a post.
Jake, Portfoolio is located in Norfolk Virginia, and you can find their address by searching for "Portfolio Recovery Associates" on the internet. They had some kind of agreement with the Postal service that, since they get so many registered/certified letters every day, and the postman did not want to wait while somebody signed them all, they could get away with "promising, on their honor" to return the receipts. However, since they have no honor, they often do not return the receipts. Never mind -- the USPS has a data base, and they will confirm for you that the letter was delivered, and will give you a slip to confirm.
I just got another call today. They are and have been looking for someone that no longer lives at this address. I read on another call website, that this crap company uses 47 different call numbers. However, this one today and yesterday actually used a "Portfolio Recovery ID. Wow, are they slipping up from "unknown name, unknown number....like we are more like to answer the phones?
Dudes and Dudettes, they can not leave a message, when the phone number they are calling is listed to another person. It is a violation of the privacy laws extended in the credit laws. They have been successfully sued.
To them I say "Party on....because no one at our home will pick up the phone. Also, we are going to total cell phone access.....Internet through our dish....."Dorothy, this does not look like Kansas...people are smarter than we are" LOL ...Hey Portfolio People, we know you read our messages, and so do the Secretary of States, in most states, because they hold the keys to the violations of the credit laws....which is why you can not longer leave your snotty,threatening messages...Peace!
PRA bottom-feeders use at least three times 47 different numbers. I think they all originate at their little shop in Norfolk VA.
Years ago, we got a letter or two from these vermin, not signed, just a dunning letter on letterhead, proclaiming somebody owed them thousands of dollars, but they would be happy if that someone would send them only a portion of the amount they claimed they were owed. Of course, they paid about $60 for a written off debt, and then whined that they were owed $5000.00, so the amount they were "willing" to settle for was many multiples of that original cost.
Both dunning letters they sent showed a particular account number, but these vermin are so vile, they apparently have "secret" account numbers they hold in reserve. The attorney general office sent me a letter they had written claiming two different accounts, one of which had never been revealed to the person they were dunning. Maybe that's done so that if you get a cease and desist action on the account you know they have been claiming, they can turn around and start harassing you on the "secret" 2nd account?
Anyway, the dopey lawyer, Pearson, asserted in his letter that PRA had "decided to cease collection efforts." He also wrote that the debt was *not verifiable.* That was first week of September, 2010. This call is #334 since then. These jerks are pathetic. May they amuse themselves to death, and then rest in peace.