I've sent Portfolio a couple of C&Ds. They won't stop calling. They're looking for the person who had my number 15 years ago but just refuse to believe I'm not that person. I don't know what else to do, and it would be a huge pain to change my number at this point. I'll be consulting with an attorney to see what my next move should be.
To File complaints FDCPA/TCPA violations:
Your State Attorney General
Their State Attorney general
www.naag.org (you can find your state AG at this link).
https://www.ftccomplaintassistant.gov/#&panel1-1
http://www.consumerfinance.gov/complaint/
http://www.rcfp.org/reporters-recording-guide/state-state-guide
http://www.dmlp.org/legal-guide/recording-phone-calls-and-conversations
Also with the BBB and follow completely through with it.
http://www.consumer.ftc.gov/blog/haunted-phantom-debt
Seek a FDCPA/TCPA Attorney if need be.
***A company must be licensed in their state as well as the one they are trying to collect in if two different states are involved.
Some Tips:
*Keep all messages
*Take a picture of your Caller ID
*Keep any and all conversations recorded to your states recording laws, some require they be told, others do not. This can be transferred to a recording device.
*Keep a notebook handy for writing time,date, who you spoke with and what the conversation detailed.
*Check your SOL for your state as well.
*Attorneys need to be licensed as a DC to collect, all DC's must be licensed in their state as well as yours if different.
http://www.insideedition.com/investigative/93 ... debt-collectors
http://800notes.com/arts/Jb8EW-eDhQA/harassin ... ou-need-to-know
See Residents post here also:
http://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls
Templates of Letters:
http://800notes.com/Phone.aspx/1-319-242-7350
Portfolio Recovery is the scummiest people around. Do not answer - block caller...................For those of you that owe monies please do not pay these A-Holes. They bought into this low life business they can go F themselves.
How stupid are these people? They have an arsenal of numbers that I guess they feel will somehow get thru. It's 2015 you fools and technology trumps every attempt you make. These goobers bought several thousand dollars of my debt and will never recover a dime. It's kind of like Karma takes care of people who choose a career of harassing people.