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Help us make it rightPRA Group (Nasdaq: PRAA) is a world leader in acquiring non-performing consumer debt. The companies of PRA Group return capital to global banks and other creditors to help expand financial services for consumers in North America and Europe. PRA Group companies collaborate with customers to create affordable, realistic debt repayment plans in compliance with consumer protection laws and provide...
Beleive they are extortioists not debt collectors, from my story to the story I've read on the internet about their tatics, They call for a person who they know does not live in residence, (beleive they think by using a ficticious persons name they can get by with the bona fide error (good faith error) wrong # clause in the fdcpa. That might work once or twice, but have been calling me for...
This company is in the business to harass people. They have the wrong person, but out of the last 8 phone calls to the wrong person, they assure me they will delete him from their system since...
they are sending me statements and collecting on be half of uscc im not rich and they dont want to take payments of what u can afford
A woman called from 678-265-3904, said she was with Portfolio Recovery Associates and was calling to collect a utility bill. The problem was, the person she asked for never lived at our home and we never had an account with the utility company she was trying to collect for. She hung up on me too after I called her a scammer.
That's all you have to do. You took advantage of the goods & services of others and thought you could screw them over with out consequence. Now you have to pay up. So pay up and STFU.
I am not a paralegal nor an attorney..I have just had dealings with the court system so have "some" knowlege of how things are "supposed" to work. So don't take this as legal advise just things you should be looking at. Where based on what you wrote, I would highly suggest you consult another lawyer. Especially when you start talking about conflicts with other clients...seems like there...
Hi. Sorry for the delay in reply. My computer. Thanks for the reply. You sound like you are well versed in this. You are paralegal or attorney? You obviously have some real expertise in this Portfolio sued, and actually brought me into court twice, in October 2010. The judge sent me in with a meiator and the other side. I was told then I am judgment proof, with my exemptions. I was later...
Because PRA is known for being what is known as a "Bottom Feeder" so with all due respect what the heck is your attorney doing?It is not 100% clear, but it appears that they filed a suit and went to court where your court date was rescheduled. They then showed up at one of the court dates and got a default judgement against you.First of all, neither party can just one day call up the judge and...
Beware of Portfilio Recovery. Portfolio Recoery supposedly bought one of my old credit accounts in 2009. They then came after me with phone calls, notes on my door, and calls to my neighbors about my debt. I hired an attorney. Portfolio then refused to give out their contact information to my attorney to confirm that I really owed them anything. Portfolio has a long history of trying to claim...
I received correspondence from this company claiming to represent Ford Motor Credit Company. Already a red flag because I have never purchased a car nor have I had a car in my name. I don't have a car now! The letter contained monthly payment options to "save" money by making payments. This is not and never has been on my credit report.
Portfolio recovery and associates has been harrassing me of a debt that's been over 10 years old on a credit card. I have disputed this debt over the years on my credit report for innacurracies. This collectoon agency is very persistent even got my cell phone number they are very rude with their customer service as well.
First a few things..if you have so many debts that you don't even know what debt they are calling about you first need to get your finances under control. Regardless if you think you can pay them..you need to know where you stand. Next..of course they have a job to do. But it appears that you have never actually talked to them..only let them leave a message. They will not give you specifics...
Portfolio Recovery Associates is a debt collecion agency. This company has called my home phone number almost every single day for many, many months and even though I have written them two letters asking them to stop calling, they continue to call. I even filed two complaints with the Do Not Call Registry. I am unemployed and cannot pay whatever debt it is that this company is calling about and...
Back in late 2008, ChevronTexaco began to alter my interest rate, apply incorrect fees, and generally tinkered with my account. At the time, I was paying rent, a car, and other bills. I was working. I had no reason not to pay my bill with them, but on principle I refused to pay money I didn't owe. I called them once about it, they refused to fix the problem.Chevron continued to assess late fees...
This company is amazing, they continue to claim i owe a capital one card, which i previously paid to another legitimate creditor (Capital One, sold it to another company, whom i paid in good standing) They call and harrass and say (everytime mind you) that i can settle the debt of 763 to something around 1/4 to 1/2. Clearly these FOLKS are BAD NEWS, and should be closed down for scamming...
It is important to note that there are many scams out there and this is just one of them. Scams from Credit Card Fraud to made up debt. This company is sending out letters without any information as to the validity the debt they claim is owed. I haven't done business with Sears since 1987, how in the world do they have the audacity to even write someone without any information. To just say...
They can be reached at:120 Corporate Blvd.
Norfolk,VA 23502
Phone: 757-519-9300
Toll Free: 888-772-7326
Fax: 757-518-0901Corporate executives for you to write to:Chairman, President, and CEO Steven D. Fredrickson
SVP Operations Vivian Coffey EVP
CFO, Chief Administrative Officer, Treasurer, and Assistant Secretary Kevin P. Stevenson
EVP, General Counsel,...
False Claim or "Judgement" letter received from Portfolio Recovery Associates, LLC in October 2012. Portfolio Recovery Associates, LLC claims we owe them $2,800. Contacted Portfolio Recovery Associates LLC 5 times and was hung up on (twice) or could not get through to a representative (3 times). Portfolio Recovery Associates refused to send an itemized statement or tell us who/what company...
I also have a suggestion for people who may encounter and attempt to collect debt from Portfolio Recovery Associates.
Avoid personally dealing with these scum over the telephone. The will not honor anything they say or tell you on the phone so you are only going to end up regretting it. They want you to admit in some way shape of form that the debt is legitimate. They will also try to...
Received 1st communication on 7/24/12 indicating that $9871.72 was owed. Had "slight" seizure!!!
I have excellent credit and no Write Offs and/or late payments reflecting on my Credit Report.
Emailed Portfolio requesting to dispute and to cease & desist collection efforts because this is a false claim.
Requested proof to show debt is a ligitimate outstanding debt as it does not reflect on...
On April 16,2012 I received a call from a suppose to be Rep. for Portfolio Recovery Ass. regarding a credit card debt back in 2002. I informed the lady that the debt is greater than 10 years old and why are they trying to collect on a debt that old. I informed her that according the the state of Texas the status of limitation has expired and please cease all call regarding this matter. I...
The debt is past the statute of limitations for collection. Additionally since it is over 7 years old it cannot affect your credit report. Write a letter to this bottom feeder to get them to stop calling and harrassing you. Send it certified and keep the receipt. Following is what you need to put in the letter. Do not sign it (they could try to copy your signature) just type your...
I was contacted be a lady from Portfolo Recovery after I'd seen the phone number call a number of times early in the morning. She stated that she was attempting to recover a $200 debt I owed to VA Power company. I thought it was a joke. I had payed the bill two months late back in May or June of 2004!!!! It's now Feb 28, 2012!!!! The power company has had my cell # this whole time...
i was called out of the blue to this company. stated i owed this electric bill of 234.00. i had not lived there since 20004,since then it burned down, these people started harrassing me, i am 60 on a fixed income and have health issues
Unless you already have it, get caller ID and don't answer the phone when you don't recognize the number. There's no law that says you have to talk to scam artists like them. That's what they are.
I received a notice from this agency saying I owed a bit of money on an account for Sears national Bank. They did not say what kind of account nor when it was supposedly opened. I say supposedly because I have never had an account of any kind with them. They offer options for settling the debt. I checked my credit reports to make sure no one opened one in my name and they are clear. My question...
I am interested in following up with you on your complaint with PRS. If there is any way to contact you, let me know.
Portfolio Recovery Associates called me from 412-282-1421 to my private cell phone number and played a game of giving me a false social security number, so they could then get mine. I refused because the information they gave me was incorrect. I then asked them to take my number off their list, and they never actually helped me to do so. I'm not sure what they are up to, but it definitely...
If this company files suit against the OP, all he can do is show up in court, and present a defense that the debt is past the SOL. The judge will dismiss the law suit, and the company will not be able to sue again. However the OP cannot SUE the collection agency for doing this. Any body can file a law suit any time, it is their right.
The thing is, and what the collection agency is...
Sorry - just saw the agency did not realize it was for a vehicle - oh BTW my name is STACEY. I just not like to see individuals screwed by third party collection agencies because it happened to me - sued and won. They have yet to pay me.
Send them a cease communications letter via certified mail with return receipt requested. Keep copies of all this. Once they violate this sue the crap outta them. Go to www.budhibbs.com and read about these scumbag debt collection agency. FYI they are listed on NASDAQ
Portfolio Recovery Associates, LLC is coming after me after 10 years for a vehicle loan that the vehicle was repossessed. They got the vehicle back more than 8 years ago. Ten years later, I am still receiving collection letters from them.This debt has been charged off of my credit report years ago, yet they continue to try to collect.
This company is pure scum and the bottom feeders of society. First, I received a letter from this company today claiming that I owed $330 to a company that I never did business with in my entire life. I checked my credit reports -- from all three bureaus and this "debt" is not there at all.
Then I researched this company and found out what scum and scammers they really are. The telephone...
Robert, money gets put directly into the consumer's pocket, just not as much as the attorney's receive in the same case. The consumer (discharged debtor) has to also prove actual damages in his case against the collector. If the collector has been particularly egregious than punitive damages can be awarded by the BK judge. Remember, we are not talking about a violation of the automatic stay...
Also, each state has its own set of rules for debt collections. Some are much tougher and allow for much greater damages than the FDCPA.Even with the FDCPA, be sure to file your case in federal court as the judges are better versed in it and more willing to award "costs". I have seen that $1000 turn into more than $10,000 in federal court just due to the "costs" awarded by the judge.And, if you...
As to the response above, yes you can use the FDCPA to go after the collector for the $1000. BUT, National Capitol Management violated a federal law and you are entitled to larger damages. If it were me, I would use all the arrows in my arsenal, not the smallest. JMO. The debt collectors continue to try to collect discharged debt because people are reluctant to take the collector to court for...
The Fair Debt Collection Practices Act IS Federal Law!Get some education before spouting jibberish.Go to FTC.gov to READ the provisions of this FEDERAL LAW.FDCPA = Federal Law.
You were right to point out the sloppiness of my rebuttal. 10 lashes with a wet noodle for me. What I should have said was: the bankruptcy law has much more teeth in this situation than the FDCPA. The FDCPA is limited to $1000 penalty. BK sanctions have no such limit. Naturally, they are only available to the person that has had a discharge and a subsequent collection attempt from a debt...
Thanks Robert, I did leave that out.I normally don't consider anything other than the statutory damages, because it is nearly impossible to get any other damges awarded.I have actually been in court on several occasions on FDCPA matters and it usually doesn't work out, especially for the consumer who doesn't have money for a lawyer.Burden of proof is just that, a burden$$$.
What I should have said was: the bankruptcy law has much more teeth in this situation than the FDCPA. The FDCPA is limited to $1000 penalty. BK sanctions have no such limit. Naturally, they are only available to the person that has had a discharge and a subsequent collection attempt from a debt collector on a discharged debt.Going to the bankruptcy court to stop a debt collector may result in...
This debt is legally time barred. Even if you did not file for bankruptcy, this debt would be legally time barred due to its age. Send the collection agency a letter via Certified Mail + Return Receipt (do NOT use regular mail) stating:Per the Fair Debt Collection Practices Act, cease all communications with me about this alleged debt. Receipt of this letter is officially being time stamped via...
If your husband received his discharge on this debt then he no longer owes it. If he filed a Ch 7 or 13 and was awarded the discharge, then he does not owe it. In order to check to see what was included in your petition, check PACER.gov under your husbands name. His record should show up, even if your attorney is no longer in the area. You can download a copy of the entire bankruptcy and a copy...
We are receiving frequent calls regarding the collection of a debt that was included in a bankruptcy in 1990. The Attorney was Charles A Smith. He is no longer in the Victorville area but since this debt no longer appears on our credit report I cannot contact the creditor to confirm this. I also no longer have any records regarding our bankruptcy. The Debt is in my husbands name; Keith F...
It is not at all uncommon for parents who have bad credit or outstanding balances with utility companies to use the name ans SS# of a child to open a new account.And, keep in mind that telephone calls do not protect your rights under the law. So don't bother calling Direct Energy, and stay off the phone with the debt collectors!!NEVER speak to a third party debt collector on the phone!! STAY...
If I were you I would call direct energy and raise hell about this. If I were you take I would tell demand they take my name off this and remove it from my credit report
they said that i owe someone money from direct energy. they said that i had electricity bill 2005. I was fifteen years old. my birthday is may 2, 1990. so how did that happened? they keep harassing me every once or twice a year. My mother had a direct energy account. she died so i think they transferred direct energy account over on my name. at first, i had nothing my credit. now my credit...
Well, its been awhile. Its in the courts still...three years now. So we still get calls from them and now they have hired another company called Van Ru Collection Agency. Letters , now phone calls. Our lawyers can't believe they are doing this since we have consul and this is in the courts system awaiting a date. They sure have nerve. I document all calls and letters..thats 1000.00 dollars each...
Send (and fax) the collection agency a letter via Certified Mail + Return Receipt (do NOT use regular mail) stating:Per the Fair Debt Collection Practices Act, cease all communications with me about this alleged debt. Receipt of this letter is officially being time stamped via Certified Mail. I will pursue each subsequent phone call from your office with a $1,000 per incident penalty for Fair...
I contacted Portfolio Recovery Associtates LLC both by e-mail and then with a phone call requesting they send me proof of my opening the desputed account. I informed them that I had had an account with the company in question back in the early 1990's but it was paid off and closed and I also told them the account number in their letter was not mine! They asked me to give them the account...
It appears the scummy collectors are at it again. Thanks to RipOff Report I got rid of JBC, NCO, and Boyajian years ago with no problems. This past weekend I got a letter from Portfolio Recovery Associates asking for a bunch of money and offering me "payment plans" with "discounts" depending on how I settled with them. They offered to "help" me save some money! Yeah, right. More like help me...
These people have called periodically since 2005, but now have intensified their efforts to calling twice a day, every day for the last 6 months and now have sent me a letter giving me a payment plan \ budget plan to repay a student loan from Draughon Business College in Lawton, OK. that closed down before I got to finish the school(I atteded 3 months). Also it has been since 1993, 17 years....
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