Why is portfolio recovery calling me

If you are feeling overwhelmed by trying to deal with collection agencies on your own, we recommend seeking help from Lexington Law. Ask Lex Law for Help. When you owe Portfolio Recovery Associates, LLC money, your account will also be reported to the three credit reporting agencies. Having a debt collection company on your credit report could pull down your credit score by as much as points — if you had excellent credit to begin with.

Borrowing money will become more difficult. So, if the PRA Group entry on your credit report is inaccurate, getting it removed should be easy. Debt buyers like Portfolio Recovery Associates, LLC, buy hundreds of accounts at a time from credit card companies like CapitalOne and Discover and from student loan servicers and lenders. If so, you can get the debt removed from your credit report.

Sometimes Social Security numbers get typed incorrectly. First, the debt may be accurately reported. You have to act quickly to use this strategy. The law gives you 30 days from the first time Portfolio Recovery Associates contacts you to request debt validation.

Send it to the PRA Group as quickly as possible. This is a great way to remove the collection from your credit report because it harnesses the power of your payment. Like I said above, debt buyers make a profit when you make a payment on your old debt. So you can use your payment as an incentive to have Portfolio Recovery Associates remove the negative information from your credit reports.

Or even less. This can start a conversation that leads to an agreement. Get this agreement in writing before making a payment or beginning a payment plan. Finally, you can send a copy of your pay-for-delete agreement as a friendly reminder. If you feel this way you should consider hiring a professional credit repair company.

I suggest you check out Lexington Law. Lexington Law typically get stuff removed from your credit report a lot quicker than you could on your own. Check out their website here. Be sure you know your rights in advance of contacting this debt collector.

For example, Portfolio Recovery Collection cannot:. The Consumer Financial Protection Bureau gives you access to your credit reports once a year, free of charge, at www. Because of the coronavirus pandemic, you can get a free credit report once a week through April of Monitoring your credit report will be key to getting Portfolio Recovery Associates, LLC, off your credit reports and out of your life for good.

I just had my credit card debt sold to portfolio recovery. They were nice to me every payment I made they reported to TransUnion etc.

It was my debt. I had no intention of not paying them. I have no debt that is current, so I know they have no legal …. The following is a sample list of complaints filed against Portfolio Recovery Associates in the past year and can be found on Pacer. Portfolio Recovery Associates. Portfolio Recovery Associates typically collect debt on behalf of banks, retailers, student loan lenders, etc. In the News. Monitoring your credit report will be key to getting Portfolio Recovery Associates, LLC, off your credit reports and out of your life for good.

I'm 20 years old, college student. I literally have no debts whatsoever. For the past two years or so, I'll get one or two calls a week from Portfolio Recovery Associates a scam debt-collector company from phone numbers across the country.

The first time they tried to hit me up for a debt belonging to a man with my very common last name and first initial. Several months later, I found myself back on their hit list. Request a letter with the original debt information and then hang up. Record their phone calls. If you must deal with a debt collection agency on the phone , record them.

I just reached a settlement with Portfolio Recovery. I ended up giving in to what they were asking for to avoid any future hassle. Country: United States. These people have been calling me for months, but never asking for me by name. Their message always begins: " Portfolio Recovery Associates Please return this call at " They go on to say, "This communication will be with a debt collector and is an attempt to collect a debt. Here is list of phone numbers from which consumers have reported getting calls from Portfolio Recovery Associates, pertaining to debt collection: Scam and cheating.

Valerie Review updated: Dec 01, Out of the blue in early September I received a call from a creditor claiming to be collecting debt. The lawsuit was filed on Feb. According to the Portfolio Recovery phone calls lawsuit, Rosa says that she, a resident of Florida, received about a thousand telephone calls in an attempt by the company to collect on an alleged debt that she owed.

Collections Agencies in Norfolk, VA. Social Security Number Last 4 Numbers. Last Name on Account. Sign In This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose. Already Registered? Just because you stand up for your rights doesn't mean that they are going to be harsher in their collection efforts against you.

Most of the time when a consumer brings a FDCPA claim against a debt collector the account is immediately sent back to the original creditor. Of course, he'd have to follow the recording laws of his state. He'd also have to find out if Portfolio is calling from a 2-party state.

However, if the Portfolio rep informs him that the call is being recorded, the OP doesn't have to …. Norfolk, VA Portfolio Recovery Customer Service.

Phone : Email. Portfolio Recovery has been calling my friends and work place repeatedly even if the person states that they should not call back. PRA will not tell me who the original debt was from. They will not tell me the original debt amount. I also contacted my lawyer about this letter and he stated this letter is scam also, because there are things that is not legit in the letter, letter stated "circuit court" and "Municipal Court" where I live our County doesn't have a circuit court nor a Municipal Court.

I have contacted my county courthouse and there is no court filed with my name or anything that is affiliated with this letter. Is there a way to stop skip-trace debt collectors from calling relatives?

Midland Credit Management has called my adult daughter asking for my son. They have called me at least twice a day for months, but as caller i. Should i answer and tell them to stop calling?

Is skip-trace calling illegal? This FTC article about debt collection has more information about your rights related to debt collection and debt collectors. How do you convince your family members that these people are scammers? Calling and posing as process servers saying they are trying to locate you, calling your family saying they are coming to their house to locate you.

We will keep calling your job and your family members until we locate you. I said Not that hard to find me. Only a number and case number given. At my wits end with these people. And they just keep passing me around!! I am having problems with a company named Mediation Account Center located in Florida. They are attempting to collect on a debt that their information is a phantom debt, have used same comments on more than 50 people. Using same ending account number on all these people including me.

Are harassing and threatening me. How do I report this? You can report problems to the FTC at www. She gets this call about once a week. From the same number, they tell her that the debt is from Wells Fargo although all the other info and the threats are the same.

It's sad to know that there are so many unscrupulous people who prey on the elderly and disabled. Thankfully my mom is not that gullible or stupid.

Ive been a victim of many scammers. I have no late payments or unpaid debt and just got my credit report so I believed it was a scam. My husband even went to the police one time and they stated unless someone sends a certified notice in the mail ignore it. The fact I hat it made us question are selves and how it sometimes those calls your fist instinct is to question yourself is sickening. For the people who have lost thousands of dollars my heart goes out to them.

Please stop Samuel Johnson who texted my phone as an unknown lawyer representing no named company. Tel no When this tel no was googled, many others noted the same Samuel Johnson threatening them over and over on their job!!

Thanks for your help. Marilyn Gilbert I need help. What would be my next steps to fight this fake collection debt. I checked my credit report and saw no reports. I started getting calls out of the blue from Keystone Wealth Management saying that I defaulted on a payday loan from !! Who wants that? So stupidly I made payment arrangements with them and made a payment.

Luckily I did some research afterwards and realized it was a scam. I disputed the charge with my bank and got my money back. Also cancelled my debit card. I told her go ahead. And she hung up on me. It is your choice whether to submit a comment. If you do, you must create a user name, or we will not post your comment. The Federal Trade Commission Act authorizes this information collection for purposes of managing online comments.

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To protect your privacy and the privacy of others, please do not include personal information. Also, do not use this blog to report fraud; instead, file a complaint. Get Email Updates. Federal Trade Commission Consumer Information. Search form Search. FTC halts another phantom debt collection scheme. Share this page Facebook Twitter Linked-In.

February 8, by Colleen Tressler. Blog Topics:. Comments L February 8, reply. FTC Staff February 8, reply. Thank you for reporting the calls and filing complaints. Chelle February 8, reply. Thank you for reporting to the FTC and providing information that helps with investigations. Thank you for the alerts! Being harrassed February 8, reply.

Watson February 11, reply.