Portfolio Recovery Associates, LLC

I was contacted by an African American, who would not give her name, stating I owed $169+ on a Kay Jewelers account, which was delinquent in 1991.

I informed her that first, Statute of Limitations would be obviously expired, and second, that this is my company phone and is on the "National DO NOT Call List". She said it doesn't apply to them. I called back and talked to Sarah and she said she thinks she has the wrong person.

I have impeccable credit and do not need some credit bureau, who, when I asked not to call my number again, stated she could call anytime she liked as the law does not apply to them. I also want to make sure this is not on my credit report as I just refinanced my house and it was not on there at that time nor have I ever heard from these people nor used Kay Jewelers.

I believe Kay Jewelers is trying to scam people into giving them money never owed to them.

I have been receiving calls from this company for nearly 2 and a half years. It is about a credit card that was paid in full to Capital Federal Bank in Overland Park, KS. My husband who died 2 and a half years ago paid this card off over 15 years ago. They sent us a bill about 3 weeks later saying we still owe them something like 35 or 45 cents. Not dollars.

My husband and I both went to the bank and he asked for the manager and handed him the change. And explained to the gentleman that we had paid in full. And would assume that the change he gave him would take care of the matter. Several months later we received a letter saying that it had been turned over to a collection agency. My husband work for Sears Corporate and he had a friend who was an attorney at the time to contact them and to ask them to stop. Todd was the attorney's name. That's all I remember of his name. That was in 1990. We did not hear from them until my husband's death. They have cussed me, threatened me with court, jail, etc., repeatedly calling several times daily. They first call from one state and then another. They hide the company name. Someone at that bank put the change in their pocket. We were harassed for awhile until our attorney put a stop to it, and it started again upon my husband's death.

It's going on 20 years now. They have tax interest of nearly $799, plus change, on top of the original 35 cents. Now this isn't right. I'm 63 and I live on a fixed income and I will not pay for something these shysters are lying about. The bank had no right to sell something to a company that we did not owe. I called them and I asked them to get these people off my back. They said they sell uncollected debts to these leeches. I do not owe them one cent! I have been through enough stress because of my husband's untimely death. And I feel like I'm going to have a stroke if they keep their harassment up. They need to leave me alone. I do not have the money to hire an attorney to deal with this. Can you help me?