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They called at 7:20am on a Saturday and woke the whole house
Bottom feeder collection agency who buys old and discharged debts for pennies on the dollar and then attempts to reenforce them. They are pushy, rude and often tines will resort to harassment tactics to scare you into paying. Do yourself a favor and block and number associated with this cancer of a corporation
Portfolio Recovery is a real bottom feeders of debt collection industry. They buy old statute expired debt and through harassment tactics try to collect 10 to 30 cents on the dollar. Of course the minute anything is collected, the statute date resets to day 1 and their other outfits and ambulance chasers come after you. If you have noticed their letter of settlement is only for the debt with them, not original debtor or the next place they sell it to. The only way to fight these guys is to get with your state authorities. These guys know all the Federal loopholes.
I don't know any one in Tennessee so I did not bother answering