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nick
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They have called my number twice so far. It has been at least two weeks between the calls so I will commend them on that. However, I have had this number for less than 3 months, have a 721 FICO score, have not had a delinquent or late bill in over 16 years, and have open credit of a minimum of 22 k available. I looked online and found in two sites that the phone number I have did belong to a person resideing at a particular address in a city about 30 miles from me. they have been informed that they are calling the wrong person but they keep calling. I am a senior and reside in a state that protects its seniors. If I get another call from them I will be contacting the state attorney generals office and reporting them. They have been warned the final time.

Caller: portfolio recovery
ran
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The people at Portfolio Recovery are genuine 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.

Caller: Portfolio Recovery
Irrevellant
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They have no idea who they'really calling and are scamming for money and try to get your personal information. When you ask them questions they hang up. They deserve to be insulted and hung up on.

Caller: 757 386 4612
Anonymous
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They have no idea who they're calling

Anonymous
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Keep threatening to Garnish my bank for a debt that's not mine

Monkey
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Call from Portfolio Recovery.
They are trying to collect on an old credit card debt from over 6 years ago. The statute of limitations in Pennsylvania is 4 years on credit card debt. The SOL varies by state (check yours) This company deals in old debt. DO NOT PAY THEM ANYTHING OR ADMIT YOU OWE ANYTHING TO ANYONE. If you pay them anything it resets the Statute of Limitations to ZERO and allows them to collect the debt. Something else to check for your state is "can wages be garnished for credit card debt?". In Pennsylvania wages CAN"T BE GARNISHED FOR CREDIT CARD DEBT.

Caller: Portfolio Recovery
Monkey (again)
Monkey (again) Mar 27, 2016
  0

I have done a great deal of online research on "statute of limitations" debts.
Hopefully this will help someone else. If you receive another call or letter from this company. EXPLAIN YOU ARE "DISPUTING THE DEBT" and THAT YOU WANT TO "VERIFY" IT.
Portfolio Recover must reply by law. The info they supply will state when and where to debt occurred. WHEN is very important.
They can sue you for recovery. A Statute of Limitations defense is an "affirmative" defense - meaning you must reply to their suit and inform the judge of your defense. These are also called "time-barred" debts
The verification letter you receive is proof acceptable in court. If you are sued they can't try to take any property (car, home & etc.)
Credit card, medical bills and some others are "Unsecured Debt".
Check your debt type online. You may need to request "Verification of your Debt" in a letter. A Google search will produce samples of these letters.
If you need their address see below. IF YOU REPLY TO MY POST I WILL TRY TO RESPOND (will check this site from time to time).

Portfolio Recovery Associates, LLC., 120 Corporate Boulevard, Norfolk, Virginia 23502, USA. (757) 519-9300

Monkey (again)
Monkey (again) Mar 27, 2016
  0

Forgot to say if your debt has been on your credit report for several years THEN PAYING THE DEBT WILL NOT IMPROVE YOUR CREDIT SCORE.
I got a free credit report (no credit card needed) at CREDITKARMA.COM my debt was listed but no dates on the debt were listed except when RECOVERY ASSOCIATES purchased my debt (for pennies on the dollar). THE DATES I NEED WERE NOT ON MY CREDIT REPORT.

Jack
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just a note...these companies BOUGHT the debt .... federal law says they cannot collect from unless every penny goes to the ORIGINAL debtor..BUT you may have to provide a letter citing this law and tell them to cease and desist...they are throwing spaghetti on the wall hoping somebody will bite...

Caller: Portfolio Recovery Associates
jackobotz
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Bunch of jerks! Trying to collect zombie debt#!!!!!

Caller: anonymous caller
smokeys427
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Debt was charged off over ten years ago and yet they still try so they can have their piece of the pie. Or at least try to... LOL

Caller: Portfolio Recovery
Ohio Angry!!!
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They keep calling trying to collect on a bill paid directly to the creditor from over 10 years ago. Finally called the Attorney General. Sick of them.

Caller: Portfolio Recovery
Anonymous
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Bottom Feeder Collection Agency

Caller: Portfolio Recovery
Anonymous
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Portfolio Recovery and their many numbers that are relentless!! I am not sure how they can even try and collect on something from 2002 and discharged in bankruptcy!! Scumbags

Caller: Portfolio Recovery Associates

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