They already have an 83 million dollar judgment against them for harassing the wrong debtor. If it is upheld in Appeals, this may very well be the end of PRA as we know it.
PORTFOLIO RECOVERY ASSOCIATES AKA PRA
Good news, they got slapped hard for 82 million recently: http://www.kansascity.com/news/local/article21073359.html
Web page with contact information: http://www.portfoliorecovery.com/contact_us.html
Make sure you read how they just lost an 83 million dollar lawsuit against them: http://www.kansascity.com/news/local/article21073359.html
Make sure you read how the NY AG spanked them bad on May 1, 2014 in the following BBB page.
BBB page with 1,308 complaints, a government action from the State of New York, and yet they get an A- rating? http://www.bbb.org/norfolk/business-reviews/d ... olk-va-51000164
Bizapedia has them as a Delaware Corporation started in 2007 as opposed to the information on the BBBB page that says 1996:
http://www.bizapedia.com/de/PORTFOLIO-RECOVERY-LLC.html
http://www.bizapedia.com/addresses/120-CORPOR ... K-VA-23502.html
Other complaint sites:
http://www.complaintsboard.com/complaints/portfolio-recovery-associates-c275360.html
http://www.creditreportproblems.com/Portfolio_Recovery_Associates_LLC.htm
Cases against PRA:
http://www.leagle.com/decision/In%20FDCO%2020130416695
http://www.prweb.com/releases/Class-Action/Lawsuit/prweb5253574.htm
http://law.justia.com/cases/federal/district- ... 2707/228930/60/
http://dockets.justia.com/docket/california/casdce/3:2015cv00768/471398
http://www.bigclassaction.com/lawsuit/portfol ... olations-of.php
http://leagle.com/decision/In%20FDCO%20201409 ... SOCIATES,%20LLC
http://dockets.justia.com/docket/illinois/ilndce/1:2015cv02765/308374
http://www.creditreportproblems.com/pennsylva ... -practices-act/
http://www.creditreportproblems.com/portfolio ... cpa-violations/
http://designertoday.com/News/6736/Reader.Get ... .Prejudice.aspx
http://dockets.justia.com/search?query=PORTFOLIO+RECOVERY+ASSOCIATES%2C+LLC
http://www.ca6.uscourts.gov/opinions.pdf/14a0266p-06.pdf
http://cdn.ca9.uscourts.gov/datastore/opinions/2012/12/28/11-56600.pdf
http://statesboro.biz/News/702/Class-Action-L ... f-The-TCPA.aspx
http://www.gpo.gov/fdsys/granule/USCOURTS-mie ... 1_12-cv-11526-2
http://www.gpo.gov/fdsys/granule/USCOURTS-kye ... 5_13-cv-00147-0
And a CFPB case about a lawyer who works for PRA.
http://www.washingtonpost.com/blogs/wonkblog/ ... ction-lawsuits/
Some more interesting reading:
"PRA may also sometimes make harassing calls and send out threatening letters. In some cases they may have your information by mistake ~ so they are sending the WRONG PERSON collection notices!"
They were listed among the worst offenders on the late Bud Hibb's site!
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes. The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of the date of the letter and if you do so, all collection activity must be stopped until the debt is verified.
Read up on your rights here, get template letters to send and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://consumerfraudreporting.org/stateattorneygenerallist.php
File a complaint at the NY State AG's Office here: http://www.ag.ny.gov/