Are you kidding? PRA company is the under belly for all collections, good, bad, written off, and out of SOL. Not just Paypal. They would shake down your grammie for her ssi if they could. Those subterraneous reptiles are still trying to collect on Pre Civil War gambling debts with 50% already squeezed from ancestors. Low life shady butt lickers have been sued more times than Phillip Morris. Other than that....they're okay.
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.creditcards.com/credit-card-news/c ... ations-1282.php
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://www.fair-debt-collection.com/debt-collectors-list.html
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
Thanks all for your advise, they did call me back yesterday from a different number I wouldnt verify who I wad told them to send me verification of this (Alleged Debt) I supposedly owe. However I will be following all your advise in sending cease & desist letters, and complaints as well. So sick of them calling and treating people as if we are criminals. How they manage to be ranked an A- from the BBB shicjs the hell out if me with thier unprofessionalism
Your most welcome Angel! :) This company is a known bad actor and has many law suits .. it seems they just do not learn even with the 83 million verdict on them. Yes, the BBB is a toothless entity bottom line, and they tend to lean to their paying customers, still its a "paper trail" and can be used against them. This is why its important to follow through with any complaint there.
...in bankruptcy, you can sue them for violating bankruptcy protection laws. Contact the lawyer who handled your bankruptcy and let them know you're being harassed. Also report them to your state's Attorney General. Bottom line, their calls - and letters - are illegal. Debt covered in bankruptcy cannot be "recovered"!