Portfolio Recovery Associates, LLC

After speaking to a relative that used to work with the Sheriff's Department and finding out that letter was bogus I check about the trial and found out Portfolio never even showed up to the courthouse, what they did was they get a clerk to drop a stack of records infront of a judge of people who signed for the papers who signs that Portfolio can collect on the debt. Well after the no show by the Sheriff's and learning their courthouse scam I contacted the credit bureaus and they failed to provide PROOF and only managed to reven reply to 1 of them within the allotted time frame that they own the debt. Well after that I stopped getting letters from Portfolio and there had been a long break from the calls until again statute of limitation ended and there was no longer any evidence on my credit report they had even been trying to collect from me.

Well now they have started up the calls again following Obama removal of the Do Not Call List allowing scam companies like this free reign to call everyone again. Trump may have reinstated the Do Not Call List but that also means the list has to be formed again from scratch and Portfolio with their endless supply of numbers from across the United States seems to be determined to have every single one of them blocked.

When I first was brought aware they are a scam company that basically dumpster dives to get information about debts they think they can collect from, I also found out they are black listed from doing any business in several states by the courts because of their illegal practices. In states where they are actually required to show up to court in order to get a judge to award them to go after properties to compensate the balance owed they have had people show up in the court room, prove that Portfolio had been informed they were going after the wrong person and wanted Portfolio to stop harassing them, so the judge turned around and ordered Portfolio to pay the defendant over 1 million dollars for having to put up with the illegal practices and harassment all that time and had to take time off work to deal with the trial against these crooks, and then black listed the company from doing business in their state also.

The parent company at that time barely even wanted to acknowledge Portfolio was even associated to them. Today when Portfolio called they left a Voice-mail and it sounds like they have altered the company name again in order to continue to scam people who aren't realizing it's still the same company and possibly try to violate statue of limitations again by going to the courts again so they can show up on the credit reports. IRS needs to audit them and reimburse everyone they have scammed since they clearly have the money to spare if million dollar settlements don't even phase them that they are breaking the law and need to change the way they do business.

From personal experience, the person calling will always simply just ask for money, even if they ask "why", and you explain, that you are unable to pay them, which from my experience is I simply don't have money past necessary needs each month, that they just freeze and ask the same question "from the top" until their goal is achieved to simply get money from you. Talking to them is a trap, since they just will keep asking you..which doesnt lead anywhere, and their practice is criminal, so it's completely safe to ignore, them, though the calls and instigations are very annoying until they stop .

If I had a lottery ticket of (I dont even owe much under 10k total from about 10 years ago), I invested in something that turned out to be a scam and most of my money was stolen while I spent some on personal expenses I dont own anymore. (I dont own my own property, I live in a room with a few things) but see it's just a number they call and "give me money kind of thing" but I dont blame the people calling they just work for their, llc or whatever, So in my case I rip any letters and block calls, and why they call from different area codes doesnt mean anything other than that the people calling dont matter and you're ok not worrying or paying them unless you chose to (or can in my case, I simply dont want them bothering me) which itself is also illegal in the US and most countries...

This is NOT MY DEBT so the fines incurred by them (I have documented every call, number and contact to the point my attorney feels I should do very well in the settlement). Stand your ground, these wannabe 'debt collectors' are nothing more than an operation that uses phone lines for illegal practices and they will pay for these numerous infractions. It is not a secret that people hate these calls, and the tide is turning since people now fight back. They made an enemy for life, and I with the help of a law firm and the FTC will put these ** out of business.

These idiots tried calling me today with someone else's name which tells me they are still defrauding consumers because the number they called me at has been in my name for over 10 years now. California law states that debts like the ones they try to collect on are no longer subject to collection after two years so the person they are looking for they can't legally touch in any way even to place the collections on their credit report. Keep in mind that if these people start harassing you there are several law firms that will take the case pro bono and charge their fees to these crooks just be sure to document the calls you receive from them and contact one of those firms!

They have flexible payment plans, like really flexible, they will allow you to pay as little or as much as you want. The website is so easy to update your payment method or change your payment plan. IE when I got a promotion I increased my minimum payment amount and it took 2 seconds to do so. Other companies make you call and it's a long drawn out process. Also as long as you are making payment, no matter how little, they don't call or email you anymore because they know you are in repayment. I hope to never get myself in debt like this again, but if I ever do Portfolio Recovery is the company I would hope I can work with to pay my debts.