These people are the biggest lowlife [***] on the planet. They have been calling me for 5 yrs regarding a debt I never owed. I called the original creditor 5 yrs ago and they told me they had no record I owed them anything. Thank God for my Call Blocker that hangs up on them after one ring. I can not send them a cease and desist letter since they do not send me anything in the mail regarding the debt. If they ever send me something in writing, I am going to sue them for extreme harassment.
I have 20 different numbers that call from Portfolio. Absolutely relentless - call numerous times just using different numbers. Isn't there a rule on how many times a day they are allowed to call?
No, there is no rule, they are allowed to call between the hours of 8am and 9pm your time. There is a law however that provides you with the means to stop those calls. There are agencies, paid for with your tax dollars that will assist you as well.
You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter (think of it as the best $6.47 you ever invested). Also send it first class mail in case no one will sign for it. Make a notation of that fact at the bottom of the letter. You also need to report them to the proper agencies to which I have provided links to. Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment. If everyone did these three things, these crooks would be bankrupt and we would all be the richer for it. Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front): http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All
Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked 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 receipt 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 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://800notes.com/faq/attorney-general
This "scumbag" company never up. I've informed these jugheads three times I'm not who they are looking for. Here's the kicker...each time they've called it for a different person. Three calls three different people. Now tell me they aren't scamming.