March 2010      I just got a 1099C for a debt from 1994 from Portfolio Recovery associates. $25,000 has been added to the original debt in interest, but they don't show anything in the interest box. Just $30,000 debt. Holy Cow am I scared!  I am on SS and don't know what to do. I paid a tax consultant $100 for consultation and he had no idea what to do. (bye bye $100)  I think PRA is a rip off.    Check this out:  PRA and the IRS 1099 C

January 2010      Portfolio Recovery Associates, LLC  140 Corporate Boulevard  Norfolk, VA 23502

Portfolio Recovery Associates, LLC  Dept. 922  P.O. Box 4115   Concord, CA 94524

I received a telephone call from "Ms. Allensworth" from PRC. She told me that I had an outstanding debt with HSBC for an Orchard Bank credit card. She told me the balance was $878.54 and the account was opened in 2005; last transaction was a payment made December 2006.

I asked for documentation to be sent via mail.  I received a "standard printout" letter from them stating the same thing I was told via the telephone. They also enclosed paperwork to file a dispute related to identity theft/fraud.

I wrote back to them immediately on December 1, 2009 and told them I had received their printout which did not fulfill obligations under Alabama law (which is where I live) which state that the debtor has the right to request verification of debt listing copies of all charges to supposed account, showing that I signed a contract, the copy of the contract, along with the "standard" how they calculated what they say I owe, a copy of any judgment (if applicable), licensed to collect in Alabama or not, and license numbers and their registered agent.

All of what I asked AGAIN was and is within the provisions of the Fair Debt Collections Practices Act. I "disputed" the debt stating that I could not agree that I owed something when I had no way to verify if it was a legitimate debt made by me.

I received a response from them today. This states:

"you have submitted a dispute that is substantially the same as a dispute previously submitted and we have already responded to this dispute, then as per the Fair Credit Reporting Act, 15 USCS (subsection) 1681s-2(a)(8)(F)(ii), we are notifying you that such a dispute is frivolous or irrelevant."

"If we continue to receive subsequent correspondence from you regarding a dispute that has already been resolved, we will consider your inquiry answered. No further replies will be forthcoming unless you provide the information we need to assist you. Our office considers this matter closed."

Now, I am at a loss for words. Obviously they did not provide validation of the debt as I requested. But, they are saying they did and that's it. They are asking ME for information to ASSIST ME! WHAT?

Under Alabama Law, the Statute of Limitations for revolving accounts (credit card would fit here) is three years. The last activity on this account was December, 2006. The three year period is over.

Of course, some debt collectors say they are suing under the terms of "Breach of Contract" however, these people won't give me a copy of the contract and it is a credit card account. Therefore, the Statute of Limitations is over in this case.

November 2009      I recently received a call from PRA, they left a voicemail. I called the number back and a woman answered the phone, "Litigation." This PRA rep was looking for my wife and told me they were going to sue her if this debt was not taken care of today.

I informed this trash bag that we had not received anything in the mail and, requested a letter to be sent to our current address. She refused. She then gave me the information about the debt they were collecting on.

I ordered hard copies of my wife's credit reports and my attorney is working on a complaint to file against PRA.

October 2009      I sent them a DV notice in Feb. I received a letter today with no information at all only that they verified debt and I owed. DUH what a surprise, I have since written a second letter and will await results. what a joke, you would think they would have at least sent something even if it was 2 sheets of paper with my personal info. I hope they decide to go to court, I'm sure a judge would get a good laugh at these goofs.

October 2009    Portfolio Recovery Associates, LLC   PRA sent me a letter that that has (Special Offer for you) On the front of the letter and it has perforations that make you think it's a check or refund from a company. This is a offer to take one of three plans to pay back a debit for a Capital One Bank CC. I have a TransUnion CR dated 4/18/2008 that has Cap One listed and was charged off as bad debt. dated opened 09/1989 date closed 01/2008 I have another TransUnion CR pulled on 05/02/2007 that has the the dates as opened on 09/1998 closed on 12/2001 I know what PRA is going to do. This is a time bared debt well beyond the SoL and the 7 yr mark. The first letter that PRA has sent is a offer and did not have the (Unless you notify this office within 30 days) that I understand is required by law. In this offer letter it dose have a (Disputes Correspondence address and a Disputes Dept. E-mail Address) but no you have 30 days paragraph. Here's what I think PRA is going to do, they know this is a TBD so after I send the VOD, SoL letter some time will pass and before the end of 2009 I will receive a 1099-C for the $750. Bud this has to be biggest RIPOFF since Bernie Madoff. What recourse if any do we have?

October 2009    Portfolio Recovery Associates, LLC   Bogus 1099C Game   Looks like PRA is playing the (highly illegal) 1099C game...a lot! It's time to beat them at their own game! They are intent on using the IRS to collect on what they claim are 'legitimate, validated debts', and laughing all the way to the bank...again. Not anymore. I predict a HUGE class action lawsuit coming down the pike, and hopefully this will put the nails in their stinking coffin once and for all. Since they cannot properly validate or prove validation on most (if not all) accounts they have already received a FULL tax break on, the same IRS they’re using to collect can AUDIT PRA as a result and see how they have pulled another ENRON scam. Paying pennies for paper and then charging off your falsely inflated value is not legal, sorry PRA! DO NOT pass GO, DO NOT collect ANY DOLLARS! GO DIRECTLY TO JAIL! Any credit agencies that have turned a blind eye to 'validation' should also be named in the class action suit. How about it NACA lawyers, others? David can truly topple Goliath with one stone if he just picks it up...

October 2009  After reading quite a few of the comments on PRA, I'm not sure how to deal with them regarding a debt they are trying to collect from me from a past Capital One CC. The debt is legit and I had a job loss that prevented me from paying the account so they must have sent it to PRA. If I take one of their options as outlined in letter they sent me (it looks different from other demand letters -doesn't even state the consumer protection laws letting consumer know they can ask for DV in writing) how am I assured this debt is paid in full as they state once the balance reaches zero? If I ask them to send a DV letter will they ignore that and send me the 1099 as some others have experienced. Not sure what to do.

September 2009  Just last week, an elderly family member of mine received a letter from the IRS, stating he owes back taxes on an out-of-statute debt he disputed with PRA several years ago and they never validated. He immediately sent the IRS a letter with copies of the original dispute letter sent to PRA and complaint correspondence mailed to and received from our State's AG office and the FTC, when PRA filed their bogus 1099-C.

These people need to be STOPPED!

September 2009  I received a phone call from this company a month ago. The caller informed me that I owed $1,089 for a credit card debt. Since I have a perfect credit history and have no outstanding debts I couldn't believe what she was telling me. When I asked for the name and bank of the credit card they started discussing my options for this collection. After many demands they finally told me that the debt occurred in 1986. 23 years ago! They advised me that they had been sending me letters and phone calls all this time and that now it was time for me to pay up. I couldn't believe what I was hearing. I am 67 years old and retired but I'm not that naive. I knew certain rights. I told the caller that if this alleged debt was true then the statue of limitations of 7 years had expired and they couldn't legally collect. I also demanded a validation of debt letter. They claimed that they had already mailed me that information. I informed them that I had not received such information and asked that they resend the letter. They said they were not going to resend the letter. After much discussion and with my insistence that I would not pay a debt which I had no knowledge of the caller offered me a "deal". They said that I could just pay $503.00 and they would consider the case closed. When I asked them how would I pay this amount they said to give them my current credit card account number and they would debit it. When I refused to do this they offered me an alternative. They said to give them my checking or savings account number and they would debit that amount. They must have thought they were dealing with a senile person. I informed the caller that until such time as they would send me a proof of debt letter that I would ignore them. The caller said they would continue to call me until such as I would pay. This they have done. I receive a phone call daily from these blood-suckers. I don't even acknowledge them anymore. After they identify themselves I hang up the phone. What can be done about these leeches?

June 2009  PRC, I just received a call from this company. I repeated asked them to send me written verification that this was a valid debt they were trying to collect. They asked what I meant by that. I told them according the the FDPCA they were to send me written verification. They still questioned me what I wanted. The woman caller gave me some personal information on myself and said that was the verification. I told them again I needed written verification. Then a supervisor got on the phone. I told him the same thing. He keep asking why I wanted verification. I am not sure if I should have but I told him I believed this debt was past the SOL for Arizona. He said well they would continue collection efforts. That I could no longer be sued for the debt but I still owed it. I told okay, I still wanted written verification. Finally he hung up.

May 2009  I received a letter and call from PRA about an old Capital One account. When I returned their call, a Nadine told me this account was charged off in July 2002. She stated that Capitol One sold it to them recently and they have placed it on my credit, she further stated that although they could not sue me, that the account would now stay on my credit for an additional seven years. She was very arrogant and condescending, had the attitudes of a B*#ch, like it was her money. What should I do?

Lies, and b.s. from desperate debt collectors trying hard to keep their jobs while collecting on old, worthless accounts. PRA is in trouble, they are buying lots of junk debts in an attempt to raise money. Your account was charged off in July, 2002 which means it will fall off your credit files end of June, 2009. PRA is out of luck, but not out of lies. We are of the strong opinion that PRA, in their desperation, encourages its collectors to lie and give out false information if it results in money in their pockets. My advice is to wait them out, order your credit reports after Aug 1, 2009, both PRA and Capital One should both be deleted. Anyone contacted by PRA should be forewarned of their desperation in collecting these old, worthless accounts.

May 2009  When Portfolio Recovery ASSES contacted my father about a $4000 Capital One card that was identity theft 15 years ago(!!!!), I got busy.

I wrote to each officer of PRA certified, providing a copy of the sworn affidavit that I was sending to IRS regarding their using 1099-C’s to launder money. I told them it was a draft copy, and their edits for accuracy would be welcome. I also included draft copies, filled out with their names on it, of IRS SAR (Suspicious Activity Report, used to identify potential money launders) and FinCEN Form 109 (similar report, with Financial Crimes Enforcement Network, Dept of Treasury). I also asked them to provide $7000, $1,000 for each bogus call and letter, and $1000 for their submitting false info the credit bureau to post an inquiry.

My father received a 1099-C cancellation (hmmm, a cancellation of a cancellation) within 10 days, and the other day rec’d a letter from PRA that they’ve investigated his $18,000 account (from $4000 to $18,000) and the case is closed, they will be removing any info from the credit bureaus. But no $7000 (which wasn’t the point anyway).

I still plan on turning in the info to IRS and Dept of Treasury, as I feel that they are laundering money. Something like $36 billion since their inception 10 years ago. And the careers of most of these officers at PRA were intertwined through FDIC – which I find suspicious. Since I’ve done all the legwork, typing, and address research, I’d like to offer this scorched earth method to others, but obviously don’t want to assist anyone in getting in over there head…do you have any suggestions?

April 2009  Got a letter today from these jerks ! They are attempting to collect on a debit from 2000 so far back that it came off my credit report 2 years ago. What's so funny is at the top of the letter with there name is and I quote (We're giving debit collection a good name) LMAO !!! Tried to settle with the original owner 9 years ago and they would not do a thing to help me and work with me to get it paid so I said get it if you can. Just sent them your V of D letter and we will see what happens.

April 2009  PORTFOLIO RECOVERY ASSOCIATES is using spoof ID to harass people.  Spoof calls are those that appear on your caller ID as a different source than where it is actually coming from.  PRA has used credit card companies and other firms to annoy and harass me and my family.  They made a huge mistake calling me in Florida early morning when the calls would have been made at 5:30 AM Las Vegas time, which is where the calls were made.  They spoofed the ID to make it seem like they were on the East coast, but they revealed in the conversation I recorded they were working in Vegas.  I can prove Premier Globalways (their "spoof") was not open at that time.  My brother is a consumer attorney and we have the Justice Department on the case...

April 2009  I'm getting calls from  PRA on a debt settled 13 years ago. They claim I owe $6,000. to them.  How do I get them to stop the BS?

April 2009  I keep getting calls from a PRA debt collector who sounds like a man, states she is a woman (smoker?)
The debt is time barred, they refuse to send me validation yet she/he calls and states they will continue to pull my credit report until I pay. Is this legal?

That is for an attorney to decide. It sure sounds like extortion to me. Given the apparent dire financial condition of PRA, how can we be surprised? Your state is a one-party consent for taping so why not tape all future calls. If this he/she makes those threats again and you have them on tape, I will refer you to someone in your area who is an expert on consumer law. The jerks at PRA have been screwing consumers for far too long, their illegal activities need to be stopped.

March 2009  I've received multiple phone calls from this agency regarding 2 different accounts, one of which I've never even heard of. I've been polite but simply told them that I would not speak to anyone over the phone about debts of any kind and asked that they send me some sort of written documentation of these debts. I verified my mailing address with them.

No documentation letters in the mail and they are still calling, asking for information like SS number and such. I told the last caller that they obviously have my address and that I would only communicate with them in future via the US mail. I ended up having to hang up on this person.

March 2009  A representative from their company called on 3-09-09 to offer me a re-payment plan on a debt which they wrongly believe is mine and which I disavow any knowledge of ever having. She stated that the account was opened in 1998 and last reported activity was in 2000. My argument is this - regardless of whose account it truly is, the statute of limitations in Texas is 4 years from date of last reported activity, meaning that the account became legally uncollectible in 2004. All three credit reporting agencies show no reference to any such account in my name during the period in question. I'm dealing with INSECTS !

March 2009  These good folk sent me a demand letter for $1300 based on a account closed in 2003, with disputed charges of $200. I responded with the usual request: What is the money you say I owe is for; how you calculated what you say I owe; copies of any and all papers showing I agreed to pay what you say I owe; identity of the original creditor; proof of license to collect in my state (California) and registered agent.

This is usually sufficient to send the bottom-feeders scuttling, but I received a couple of bullying phone calls. I declined to answer any questions, and referred the caller to previous mailings. I faxed a copy of my letter to them, and saved the confirmation page.

Good thing I did. I imagine my surprise when I received a complaint and summons to court. They are, in fact, suing for that measly amount. I expect they are hoping I will panic or ignore the summons, or otherwise not be prepared, but no.

This is war, Peacock! I have copies of my letters, and my confirmation (save everything!) and the debt they claim is well outside the statute of limitations in California (4 years). (I'm a paralegal.)

So, for those of you in similar situations and are worried about paying for a high cost lawyer, don't try to go it alone. A good paralegal doesn't represent you in court, but can help you do the basics yourself for less, or will advise you if you do need full representation.

March 2009   I noticed quite a few complaints. Unfortunately, many of you only have yourself to blame. Read the FDPCA. They are not violating it. You should not of paid the debt. All you had to do is send a C&D letter and they could never contact you again. The 1099C is required by the IRS, the IRS requires them to file it. Don't be mad at a company because you didn't do your own research. Also, who racked up the debt to begin with? You can call them bottom feeders, but who is the real bottom feeder, someone who defaults on a debt and does not pay it or someone who is collecting on a debt you owe?  Good argument and we've never been against paying a legitimate debt to a collector. Our concern on the 1099 is that many agencies use it as extortion - claiming the full amount when in reality, they only paid pennies on the dollar for the account - but they've take the full deduction and stick the taxpayer with the balance.  It's a crooked game and consumers are starting to tire of it.

March 2009   This collection agency is so desperate. They are attempting to collect on a supposed debt of $3000 from 1999, for which they cannot provide any written details or substantiation. Each time they call, I listen to them speak, and then I state the facts: First, they have yet to provide written documentation proving the debt is mine. Second, this supposed debt is from 1999, and the SOL for the State of Florida have expired, as well as that of the Federal Government. Third, I remind them they are unable to garnish my wages, or sue me in a Court of Law - considering they cannot validate their claim.

March 2009   Attempting to collect debt they say I owe from 1990, unaware of this debt...have yet to send dispute paper work. Calls and mail about lowering what I owe is all I get from them.

February 2009   I received a debt validation letter form PRA. Wow! it has no info I requested. They gave me zip and said they have the photo copies from original creditor showing amount and account number. Ok so where is my signed original document, your license and registration to collect in my state, when was account cancelled. I know I closed it in 02, as HSBA were jerking me around on 3 late fees total 75 bucks, of course with interest and PRA's creative bookkeeping it is at $1350 and climbing. So now that I have not received any info from them I will send them info about statute of limitations here in CA. it is 4 years.

February 2009   I have received several letters and dozens of telephone calls (which I don't answer) from this outfit attempting to collect a debt of $600.00. This debt is from a credit card account inactive since 1982.

February 2009   These freaks have a debt on me which is already on my credit twice from two other agencies. I contacted them  - they said we could settle for half.  Fax me a settlement letter.  They said, no, pay first, then the letter. (That would be called a receipt).  I reported them to the AG.

February 2009   These bottom feeders sent me out a 1099-C for me to pay income tax on a debt they had cancelled. It was on a Visa card that I had asked them to validate a year ago which they could not do. I feel this is illegal. I am filing a complaint with the Attorney General's Office in Virginia, and the Attorney General's office in my home state. Have already filed a complaint with the Federal Trade Commission. Will not stop till I get this resolved. If this debt did exist it would be old and way beyond the statue of limitations. I hope they will be brought to justice for myself and for others they are trying to RIP OFF!!!

February 2009   Just received a 1099-C from Portfolio Associates for $2,965.00. They contacted me earlier in the year at which time I sent them a dispute validation letter, then came the 1099-C. Never received one shred of validation on this obvious time barred debt. This was a NationsBank credit card debt from the early to mid-90's, charged off in 1996, which has since fallen off my credit report. Is this real? Who gives Portfolio the authority to do this?

February 2009   My only charged off debt was a credit card balance of approx. $3800.00 This was in 1997. PRA began contacting me in 2007 demanding $9000.00. I refused to pay anything as I knew this debt was written off. Thank God I found your web site, and in Feb. 2008 sent the dispute validation...

February 2009   Just received a 1099-C from these cretins. How sorry do they wanna be?   (Pretty sorry.  You should ask your legal consumer professional if this debt was out of statues or had been disputed, if the issuance of a 1099C was a resumption of collection activity via the FDCPA???)

February 2009   They've been calling me for the past several months. They left one message for me using my former married name. I went back to my maiden name several years ago, so I was suspicious at once. I finally answered one of their calls to tell them to stop calling and found out that they are trying to collect on a debt from 1999. I've never heard of the bank that they refer to and honestly don't remember having any kind of outstanding balance on a loan. I recently purchased a home and there was nothing amiss on my credit reports. I insisted to the woman that I was speaking with that this was a scam and I would not provide any information to her over the phone.

A supervisor came on the line and I again told him that they were trying to scam me. He told me that he was trying to help me settle this debt. I told him that the statute of limitations had run out on their ability to collect on the debt, if there really was one. I was told that a dispute packet would be sent to me within 10 days but that they would continue to contact me. He also said that if I do not fill out the dispute paper work, that means that I accept the debt. Is this true?

I will not allow these scam artists to harass me. I contacted my state's Attorney General's Consumer Affairs office and filed a report. Should I also file a report with the Better Business Bureau?

January 2009   They've been bugging since 2003 over junk debt written off in 1991. Well, they hadn't called in a while so I thought they realized the California statue of limitations had rendered their efforts worthless, but I just got a call today from them! Punks. I have also been getting pre-recorded robo calls after hours from them and discovered that robo-calls are illegal in California.

January 2009   I recently received a debt collection notice from Portfolio Recovery Associates. It is regarding a debt that I paid off in 1999. I still have the payment receipt to prove it. The debt collection letter came addressed to my mom's house (where I don't live) and is also addressed to a name I haven't used in 10 years. I showed it to my mom, who said I should just throw it away. She also said it was very odd that it was stamped Pre-Sorted mail (like mass mailings are). Furiously, I called them up and asked them how they got my information. When she asked for my account number on the bill, I told her that I thought her company was a fraud or scam and that I wasn't going to give her anything.

January 2009   I'm trying to find out if the Portfolio Recovery Associates, LLC which you are referring to is the same as this company I am (trying) to deal with. The papers that I received list them as the plaintiff with Johnson Riddle & Mark LLC as attorneys for the Plaintiff. Except the papers 6 months ago state that the attorney for the plaintiff was Bradley Neff & (some crack head) why does this company always change their attorneys list on their correspondence

January 2009   I recently received a phone call from Portfolio Rec. Assoc. regarding an account from 1991. They tried to get me to settle the account ( for about 3/4 of the stated amount owed) and I informed them that I would not pay any debt that I did not know was valid and that I would do some investigating and get back to them. I immediately drafted a dispute and validation letter and sent it certified mail. The agency informed me that they would continue to pull my credit report every six months, in essence, to attempt to ruin my almost perfect credit score with multiple inquiries. After pulling a credit report I also found out they listed themselves under the creditors list with an active date of 1/2009. What are my legal options?

If they pulled your credit reports on a 1991 charged off account you may be able to sue them for violating federal law, the Fair Credit Reporting Act. A debt that old is far past your state's statute of limitations, which allows you to collect money for their illegal accessing of your reports. This is something you will want to discuss with a consumer law professional. Check your reports at www.annualcreditreport.com if they did go to: www.myfaircredit.com These are attorneys who specialize in credit reporting law, tell them that Bud Hibbs sent you. Let us know if you collect any money from this slimy organization, so that others can do the same.

January 2009   I was recently turned down for a credit card request from my bank. They use Experian. Experian has a report from Portfolio Recovery Associates which states I had a bankruptcy in 2004. That is totally untrue. I contacted Experian and they say they investigated. The results: Verified by Portfolio Recovery Associates. There is no way PR could have verified I had a bankruptcy in 2004 since I didn't. I was turned down for the credit card request because of this report from PR. The other 2 credit reporting agency's do not report any bankruptcy's under my name.

January 2009   I wonder what the relationship is between Phillips & Cohen and Portfolio Recovery? I have a PR trade line on my consumer credit report, but have received calls from Phillips & Cohen. I disputed the trade line with the credit bureaus and has come back as verified. The part about Phillips & Cohen, I see they pulled my credit report, never sent a dunning letter at all. I have voice mails from them which I save, but never a call from Portfolio Recovery? Strange isn't it....

January 2009   PRA sent me a letter asking for payment on an account that charged off in 1997. When I called I was given to a Steven Taylor who told me that the statutes had run out for filing legal actions or credit bureau reporting. He went on to say that there was also a 'Comprehensive Credit Report' on us that shows the debt forever and that anyone I applied to would see it because PRA will keep it there for the rest of my life. I have read where some debt collectors use drugs what is your take on Steve at PRA?

DRUGS! No doubt, no question, Steven is smoking, snorting, sniffing or popping something. Consumers need to be aware that when dealing with Portfolio Recovery Associates you had better invest in wader boots, HIGH wader boots because the crap they spew can get up there REAL fast. PRA cannot do anything on a twelve year old debt. Your state has a five year statute of limitation, the federal statute for credit reporting is seven years from charge off. There is no such things as a comprehensive credit report that goes beyond the statute. PRA will disavow any knowledge of Steven's erratic claims however everyone should be aware that this is not an isolated situation. PRA appears to be desperate in the quest to collect money. It appears to me, based on information received that they are going after very old accounts that have no legal basis to collect. I expect that PRA will flood consumer mailboxes with bogus IRS Form 1099-C claiming large tax write off's at the expense of the American consumer. PRA is a scam, they should be investigated just like the con artists on Wall Street, they are lying and cheating consumers out of money they do not legally owe. The IRS should be prosecuting them for their abuse of the system, this is criminal behavior in my opinion. Anyone dealing with PRA PLEASE share your story with us so we can alert consumers to their scams. This is beyond crazy, this is nothing more than a rip-off of the system and we are tired of the PRA's getting a FREE ride at the expense of the American consumer.

January 2009   I have been receiving calls since August of 2008 from PRA. PRA alleges that they are collecting on a debt from 1999. This is round 2 for me. In 2001 they asserted the same claim and I hired a lawyer. We wrote to PRA stating 1) stop calling; 2) requesting information via writing if they felt they had a valid claim. We stated that if we did not hear from them, we would close the file, which we did when we heard no response. ROUND 2: In August 2008 PRA starting calling again. Even if they had a valid claim, which they don’t, the SOL has expired. They are clearly trying to harass me so I will pay them money (not owed) just to get them to go away. It is tempting. Here is my question…PRA claims that even if the SOL has passed they can still try and “collect” the debt, which includes contacting me forever according to the PRA representative

We are receiving a lot of emails on PRA complaining about their collection methods. Based on this and their desperation we can only assume that PRA may be running out of money which is why they feel the need to collect on these very old, out of statute debts. We reported in November how their top four debt collectors are set up to take $11 million out for salary and perks. American Consumers can expect to receive IRS 1099-C in a few weeks from PRA who will claim they received phantom good and services (we have a surprise ready for that scenario) by purchasing junk debts for pennies. They are allowed to call and ask for the money, you can ignore their calls, or send them a cease & desist letter. If a LOT of consumers were to waste as much of their time and money in phone calls, dispute letters and anything else that costs them money, then they deserve it. PRA has proven how desperate a debt collector can get, I feel they have more tricks up their sleeves as their ability to collect becomes increasingly more difficult. You can hasten their demise by not paying them on these debts that you do not legally owe and by wasting as much of their time and resources as possible. Desperate people do desperate things, it appears that PRA is becoming more desperate. If Portfolio Recovery Associates is unable to hang on and ends up shutting their doors will anyone in America really care? They are greedy parasites who wanted a free ride on the backs of consumers, well that train stopped working and it's time fore organizations like PRA to get off.
 

December 2008   Found this statement by PRA Servo Craig Grube, not sure of the date but he sure puts his foot in his mouth.

Portfolio Recovery Associates (PRA) is a public ally traded company. We have approximately 1,800 employees. We are a debt buyer and a debt collector. We also own a business call IDS that is skip tracing operation. Since we are a public company, all of our reports must be filed with the SEC. PRA's business is currently diminished because of the lack of capital to buy and securitize the charge-off debt. Since demand is down, the pricing for charged-off debt has gone down. The number of charge-offs is substantially greater than the ability of debt buyers to purchase the same. The courts are also requiring more and more proof from us which requires us to get and pay for more documentation from the originators. There is one attorney down in North Carolina who is training consumer lawyers for a lot of money and teaching them how to attack our collection efforts in court. He knows a lot about our Flow Agreements A Flow or a Forward Flow Agreement is a way to set a fixed price for a future stream of charged-off accounts for a fixed period of time. Some of these Flow Agreements are hurting a lot of debt buyers because the pricing was too high and our ability to find capital to do the deals from our end is a real problem. And, some of the language in some of these agreements was poorly drafted.

This just proves that they are feeling the wrath of the American Consumer, who is fighting back. These parasites have had a FREE ride for too long. Now attorneys know how to attack their lies and bogus court filings and he doe not like it. Too bad Mr. Debt Collector, perhaps you may have to find a REAL job soon and stop ripping off the consumers who have lined your pockets with money you did not deserve. It is no longer easy money for vultures to pluck from unsophisticated consumers. We consumers have learned how to find consumer lawyers skilled in taking down these bottom feeders and denying them the free ride they have enjoyed for far too long. I bet that PRA won't have 1800 employees working there in 2009, perhaps being a debt collector is no longer producing the easy money they became so accustomed to pocketing at the expense of others.

December 2008   I was contacted by Portfolio Recovery and told that I have an unpaid debt to a credit card company from 1990 or 1991. I thought that I had paid all of my accounts off in full prior to deploying to Desert Storm. I have a credit score of 783, have bought 2 homes, and several cars and have never heard about this before. Do I have to pay this? I am leery of any payments where I have to give my bank account information to anyone. The person on the other end of the line said that I could settle right now for 50% of the original amount. Thank you

Do NOT ever give them your bank account information. that debt is proof that PRA is scraping the dumpster for food. You do not legally owe it, they cannot take any legal actions or access your credit files. PRA must really be desperate to meet the compensation package of $11 million for their TOP 4 debt collectors as stated on this site. Blood money, old money, who cares, they will take money from any source they can get it, legal or not. We appreciate you sharing that with us about PRA

November 2008   The top four execs look like they pull in close to 11 Million annually if Bud's math is right in this editorial:  http://www.budhibbs.com/praeditorial.html

November 2008     Keep contacting me concerning a debt from 1995. They claim to be representing the original debtor.

November 2008     Got a call from Portfolio Recovery Associates, actually have received multiple robo calls before the one tonight. I recorded it and told them I did because my husband is in the military. They called about an account of my husbands, which I found out was recently charged off (my husband is in Iraq). They told me all about the debt, in detail, told me I needed to resolve this quickly or they would have to take legal actions against me and would do it, told me in order to get the calls to stop I had to have my husband send a notarized letter to them. Oh, and they could get this off my husbands credit report as charged off and change it to paid in full so his report wouldn’t' be blemished anymore because they see he has only this one blemish on his report. . And finally they told me they couldn't settle for less than the full value of the debt, they could only take off the interest that is accruing on the debt, it has a 26% interest rate. Can they do all of this?? I told them to send it all in writing to him (they haven't sent a letter yet) and they told me they would in 3 to 5 business days.

Under federal law, PRA must conform to the Servicemembers Civil Relief Act (SCRA) or suffer the consequences of their actions. They cannot take legal actions if your husband is in Iraq, that is just a PRA debt collector desperate to make a paycheck. He also lied about removing it from his credit as they do not do that. PRA appears to have sunken to a new low in these past months, they are collecting on old out of statute debts, taking IRS tax credits on accounts they never issued and seem to be experiencing serious cash flow problems. I can assure you that they will not be allowed to bully the families of our Armed Forces, I speak for a lot of consumer advocates who will offer you assistance if needed. We do not need an UN American debt collector threatening the families of our servicemembers; I am sending you information that will assist you in dealing with this group of parasites.

November 2008     I wanted to add my two cents to the consumer comments and add important information of what other consumers may do, if and when they are contacted by Portfolio Recovery Associates.

Portfolio Recovery Associates also goes by Portfolio Recovery Associates, LLC. If they were stock traders, they deal in junk stock / bonds. I got a notice of debt collection on an account that was last used in 1995! I live in Virginia and this company has 3 offices in Virginia... no big deal really.

My account in question at the time of last use was paid in full and did not carry a balance. If the company cooked their books and came up with an imaginary number, they would have charged off the amount within 1 calendar year to reap the tax benefits of charging off. Speaking of charge offs, the company takes the amount as a loss and is reported as such to the IRS and the loss actually helps the company's bottom line at end of year. As such, in some way the company actually gains from the loss, the books are reset and the debt is sold to collection agencies. There are several federal site to purchase bad debt, although I know of none that sell debts older than 8 years!

If Portfolio Recovery Associates tells you, you need to file an identity theft claim with the local police on a specific account from a specific time frame, DO NOT do it! Portfolio Recovery Associates, may take this requested information and use it to rebuff the SOL on the ancient account.     Collection Agencies fall into several categories.

First tier - the account has never been past due and has always been paid on time, these accounts are sold at face value and actually helps the original firm you dealt with keep a positive cash flow.

Second tier - the accounts they purchase are within 30 to 90 days past due and are sold for 75% to 90% of their face value.

Third tier - the accounts are more than 120 days past due with sporadic payment history. These accounts are purchased for 50% to 75% of their face value as the consumers of these account may be falling on hard times and are making a last viable effort to pay the account.

Fourth tier - These are the bottom feeders who purchase non performing accounts, charge-off accounts, or accounts in question of fraud. The accounts are purchased between 2.5% and 12.5% of their actual face value. So on an account claiming $1,000 is owed, the Fourth Tier buyer will pay $25 to $125 for the right to pursue collections (based on the Fair Debt Collection Practices Act (FDCPA) ). All of these accounts are still within the Statute of Limitations.

Fifth tier - these account are purchased by true scam artists. They purchase accounts from the Fourth tier companies, whereas the account are beyond the Statute of Limitations.

- They run their company as if they are a second tier collection agency (minus the niceness and politeness of ethic professionalism).

- This type of company does not understand the term Business Ethic's nor human empathy).

- Their business plan / idea, is that all consumers of prior past debts have done better in life and are more than willing to recoup their past debts and have an unwritten obligation to do so!

Did you know in order to purchase Fifth tier accounts, very little information is required by the seller's for anyone to purchase your information (including your social security number).

When you receive a notice of indebtedness that is past the SOL:

1.) send the requesting company (Portfolio Recovery Associates) letters asking for verification of the account

2.) the account information: such as amount agreed upon, the purchased item(s), the original contract (with your signature), and the original debtor as well as how the collection agency (Portfolio Recovery Associates) obtained the account and from whom (complete company information of the people or company the account was purchased from). You may also ask, how much Portfolio Recovery Associates paid for the bad debt account (since they are a publicly traded company).

3.) their professional licenses to operate a business within your state.

Also send a letter on a separate response informing Portfolio Recovery Associates, they are trying to collect a debt that is beyond the SOL of your state and if they attempt legal matters, you will invoke your right of SOL to the courts.

All correspondence with Portfolio Recovery Associates or any other debt collection agency (CA) must be sent first by Certified Return Receipt Mail. Also, as a gesture of good faith in Portfolio Recovery Associates or other CA, if no response is received within 2-weeks of mailing, follow-up the same requests by Registered Return Receipt Mail.

Lastly, any notice of indebtedness that you receive that is either beyond SOL or within the SOL and the amount owed is higher than last reported amount at the charge off date, that is clearly a violation of the FDCPA and report them to the FTC via the complaint website. Also read up on your rights and responsibilities with the Fair Debt Collection Practices Act (FDCPA) on the FTC website. It is a lifesaver to know when these abusive companies extend themselves beyond what is allowable by law!

- Did you know: if you get a phone call at work and you tell Portfolio Recovery Associates you are not allowed to receive personal calls at work and they continue, that the act is considered harassment and is enforced if you complain to the FTC!

- Portfolio Recovery Associates are only allowed to call you at certain times during the day and are not allowed to call past certain hours at night? And they are not allowed to call prior or post to certain times during the weekend?

- Never admit that you owe a debt, even if you are unsure. That action alone with renew your account and SOL will not apply to you!

There is so much more you can do to protect yourself. And I do not mind helping with giving information where i can.

Hope this helps everyone who reads it.  Excellent.

November 2008     Update on the crack heads at Portfolio, They keep calling about some account that if it were really mine would be long past the SOL. I told her that if they really had this info and this account and could have proved it they would have done something before the SOL had run out, I sit and listen to the woman I would say ladies but no since in telling stories. They said that there is no such thing as SOL and that I don't know the law the way they do and I told them each and every time that I have an Attorney and that the conversation is being recorded, after a few minutes and they tell me that's illegal, I just laugh and say that in S.C. only one person needs to be privileged to the call being recorded and boy do they shut up. They have re up the date on last reporting, and I and my Attorney are just waiting to really hang them (The old saying If you give them enough rope the WILL hang themselves) Thanks Bud for having this site so Honest people have a source to fight these Blood SUCKERS. When I say OH you are scaring me and laugh in the phone they get crazy and call you all kind of names. Try being funny instead of rude and it kills them.

November 2008     I have been getting robo calls from Portfolio Recovery Associates, LLC with a return number of 1-800-860-0614. called this morning and spoke to a miss wood about the calls. she informed me of a Wal-Mart debt from 2001. i then told her that this was to come off my CP this month, and should not be on my CP, as i had over 10 years of CP files and reports in front of me at the time of me making the call, and that the SOL had run out, and to remove my phone number and all my personal info from there data base. was told by miss wood, that it , being my phone number, personal info, etc, would be removed for ten/10 days?, and that i had to send something in writing to get it removed? am looking forward to jan 09 when i plan to pull all my CP's and see if these people have placed anyting back on them that was to fall off this month and year. i hope that they, being Portfolio Recovery Associates, LLC, are not too bright, and replace the SOL debt back on my CP's.

November 2008      Here is another ploy these yahoos are using... Back and forth, back and forth with these guys for months... I got a letter in the mail today from their "Disputes Department" saying I was disputing the account because I'm a victim of identity theft or fraud. (I VERBALLY asked for full verification of a debt that is far past the statute of limitations...)  THEY want proof from me now that this is true or they will return the account to the "collection floor." You should see the "Identity Theft Affidavit" and all the information they want. NOT HAPPENING!! I guess they are hoping I'll return this form NOTARIZED so they notify authorities about my false claim...
The certified letter is going out tomorrow!

November 2008      Just got off the phone with PRA ,speaking with a woman who called herself Swann Smith. She was trying to collect on a Lowes card that had been charged off in 1993.When I asked if she worked for Lowes she said in a way. When I asked again who she worked for she finally said PRA. When I asked her if PRA had bought the old debt she said that she did not have that information. I then told her that she shouldn't be calling me without all the facts and according to the Fair Credit ACT she had no right trying to collect on a debt that her company had bought. She then went into a tirade about me not paying my debts. When I asked her if she had my credit report in front of her she said she did.  I then asked her how many other items showed that I was behind or late in paying on. (My credit report is 14 pages long; I keep an eye on my credit). She said she didn't care about the others only Lowes. I asked for her name and the companies name and number as I told her I was going to report her to the FTC and the attorney generals office. She gave them to me and then said something unprintable and the slammed the phone down before I could say anything else. I know they will call back, so what do I say to them when they do?

PRA appears to be more desperate as time passes. You may have a claim if your credit was pulled. Ask the experts at www.myfaircredit.com These accounts are 'time barred by statute' but PRA's desperation may override that. Consumers are warned that PRA may be asking for money they are legally NOT entitled to, NEVER give a debt collector access to your bank or credit cards.

October 2008      Back in 1997 I had a repossession on an automobile. Now Portfolio Recovery calls me several times a day wanting $13,000 on a debt that is twelve years old. I am aware they are past our statutes which is six years, however they are driving me crazy with the calls and they keep placing inquiries on my credit files. Do I have any recourse?

YES, you absolutely do. I am amazed at the volume of complaints lately on PRA. It seems as though they are almost desperate to collect money, which may indicate severe financial problems with their organization. My guess is their portfolio financing from Wall Street may have dried up. This may explain why they are out collecting on 1990's era debts that are past the statutes for both litigating and credit bureau reporting. Send the Cease communication letter direct to their attorney:

Portfolio Recovery Associates, LLC      Judith S. Scott, General Counsel
120 Corporate Boulevard, Suite 100     Norfolk VA 23502    Fax: 757-554-0586

Dispute the inquiries with the credit bureaus as "Time Barred by Statute" if that fails to remove them, talk to a consumer law professional about possible legal actions, visit: www.myfaircredit.com  (Tell them Bud Hibbs sent you)
PRA may be in financial trouble so hang onto your wallet!

October 2008     THESE PEOPLE ARE TRYING TO COLLECT ON A BILL FROM 1995 AND I TOLD THEM NOT TO BOTHER ME AND THEY GOT NASTY AND REFUSED TO REPEAT THEIR NAME AND REFUSED TO GIVE ME THEIR ADDRESS SO I CAN REPORT THEM TO THE ATTORNEY GENERAL AND ANY OTHER AGENCY THAT GOVERNS THEM. WHEN I TOLD THEM I WOULD REPORT THEM THEY STARTED YELLING AT ME THEY ARE LOCATED IN AT LEAST 2 LOCATIONS, ONE IN KANSAS AND THE OTHER IN NORFOLK, VA

October 2008     Here is a good laugh, Lady calls today at my work. Says she is with Portfolio Recovery and tells me that I owe them $34,000.00 dollars from a MBNA Account from 1998. I almost started laughing in the phone. I said where did she come up with that and she said from a Bank of America Account, I told her that I never had an Account from ether place and she said that I had went with a debit company and they had my signature. But this just keeps getting better and better. She gave me this song and dance that they had bought this account in 2002 from MBNA and that Bank Of America bought it in 2006. Again I was laughing. Ok OK who bought what Account, she said they had invested in me and that I should pay them LOL. I said well if I ever had an account with ether one the SOL was 3 years and that was long gone. She informed me that they did not have any legal avenues to anything but they would still call me at home. LOL again. When I told her that they were producing faux papers she said if someone called me and told me I owed $34.000.00 I would take it very serious. These people must be on crack.

October 2008     I received a letter from PRA this past week demanding payment for a past Discover card account which was paid off in 2003. I still have the paperwork from the other company in North Carolina showing the account paid in full. I'm wondering what trash bins they get their information from. It's also a good thing I kept that (and every) letter from the N.C. company. I'm half-tempted to go after them, but I'll probably just send them a copy of the paid notice and tell them to try to con another schmuck.

October 2008   Don't know if you can help me or can put me in the right direction , but I have just taken a look at my credit report and for Experian it shows a recent payment of $15.00 on an account that is from 5/2002 . I never made a payment to PRA.

Portfolio Recovery Associates is known for stooping below the line of decency to collect debts, so this comes as no surprise. The complaints on their unethical behavior continue to fill up our mail box. They are attempting to give the impression that a payment was made in order to re-start your states statute of limitations. (This con was first started by Asset Acceptance several years ago.) PRA is apparently hurting due to their inability to purchase recent debt portfolio's so they are digging up dead carcasses in a desperate attempt to find more meat on the decaying bones. This is what Vultures do, it is sick, it is illegal but desperate people do desperate things. You should dispute this with the credit bureaus, especially if that debt is now time barred from being reported under the Fair Credit Reporting Act. You would be wise to contact the legal departments of the credit bureaus via certified mail so that they alerted to this scam. You should also file complaints with the Federal Trade Commission and your state's attorney general. If that fails to cure the problem you may want to consider legal actions. Go to: www.myfaircredit.com These are attorney professionals who specialize in FCRA abuse. PRA has a history of lies, false claims and consumer abuse, they should be held accountable for their actions.

October 2008   These loonies sent me a letter saying i need to send them 9k for an outstanding debt immediately. So in these economic times I wanna know where I have 9 g's stuffed!!! So I call and ask what debt are they collecting. The rep starts screaming at me saying it is not her job to tell me what I owe she is only there to make arrangements for payment. So I again question the debt she is fishing and says a car. i then ask what car since I monitor my credit report and I am aware that recovered vehicles are resold and a profit has been made but you are still charged for the entire amount for the car. I have had anything shady challenged on my cra and has been since removed. She again starts screaming saying that she cannot help me if I continue to ask questions that have no bearing on the debt. And my question was WHAT IS THE DEBT OWED?, So she places me on hold for about 15 minutes in hopes I would hang up and someone identifying herself as the floor manager takes the defense and says she cant send away for paperwork advising of the debt since I should be aware of whatever debt i incurred in 1995(?). OK then I tell her if she is acquiring debt to be collected should she first be aware of what type of debt there is? What the collateral was? She then starts yelling if I continue this line of questioning she will have to disconnect the call and I will have to call back and speak to a rep. This is a bunch of nonsense and I wanna know who in the White House is getting kick backs. To allow this mess to go in the U.S. knowingly scamming people for charged off debts that no longer have been recorded is obscene. Why is no one doing anything about this? If a collector can call my home and ask me for money that they have no knowledge of why I owe any money or for what and to stronghold me for funds seems a little illegal to me. I feel as though I have been in an attempted robbery but I outsmarted the robber. I recall having a conversation a year ago with some woman along these same lines and I too am seeking a law suit because this has to stop somewhere. Any thug with a Fed Tax ID number can call and demand money is definitely not the way its supposed to go. and they cant even validate it. They of course terminated the call because I was asking irrelevant questions regarding my account, i.e. what is this for?, so maybe they will go away for another few months but I am contacting the State Attorney Office and the OCA, this is ridiculous. I bought a house in 2003, none of this was on my reports, and she says there was activity in 2004. What the hell did I buy that is taking this long to pay, a Bentley?

October 2008   I was recently contacted by a woman from Portfolio Recovery Associated, LLC in Norfolk, VA. She told me that I had a MasterCard debt with Intrust with a balance of over $400.00. She then told me it was from 1993 (15 years ago?). I honestly do not remember having this debt. I have also bought two homes and refinanced since then. Nothing has shown up on my credit report. I currently have a Visa, it's in good standing. She asked me if I have had problems with identity theft which I have not. I just received an affidavit for identity theft that I'm suppose to fill out and send back. It is asking a lot of questions that I don't feel comfortable giving to them like social security number, drivers license number, etc..

This is, in my opinion nothing more than a scam by PRA to steal money they are NOT entitled to. That debt is too old for them to take any legal actions or report on your credit files. They are hoping you will supply them all that information because they cannot legally access it. PRA is hurting dueto the inability to purchase portfolio's of debts, so they are going back 10-15 even 20 years in a desperate attempt to keep some cash flowing. PRA has a history of scamming consumers as earlier this year they sent out thousands of bogus 1099-C's claiming tax credits on alleged consumer credit accounts. PRA is a scam, stay far away from them, NEVER give them your personal information or access to your bank accounts and credit cards.

October 2008   I had a debt listed on my credit report from Bank of America - a debt which was never validated. This supposed debt was due to come off of my credit report in March 2008. When I checked my report to see if it was off, I found that Portfolio Recovery had "updated" my report to show that I had made a $25 payment in November 2007. I have never made a payment on this account, as it is not mine! I did research and found that this is a common practice of scheming bottom feeders in order to keep something on your credit report longer. Re-aging the account. Now, I am receiving letters from Phillips & Cohen Associates (who -surprise! - also have stellar feedback on this site) Apparently they bought the junk debt from Portfolio. Guess what? They're getting no money either. I am speaking with a law firm regarding these illegal practices and hope to have this junk removed from my credit report. In the meantime, I will send them a validation letter - certified mail - as I did with Portfolio. Of course, I never received a response...I'm tired of messing with these people. It's past time for action. But I do intend to act.

September 2008    I  would like to nominate Portfolio Recovery services as a special case. I was contacted by phone and participated in a discussion with the collector about a purchased debt from 1994. I clearly stated my intention to request validation of the debt and secondly to demand that the company not contact me further.  I have since received an envelope addressed to me with a letter enclosed addressed to my estate stating that the office received notification of my death! It went further to offer condolences and then to advise that at the time of death I owed them money and that the office needs to be contacted before further legal action is taken! I think that this is one of the lowest tactics I have ever witnessed or even heard of. Has anyone else out there ever received such a notice!

September 2008    I got one for all of you. these Yahoo's (PRA) have been calling me for over a month now. The debt that they are attempting to collect is a SEARS debt from 1973, yes, I said, 1973. A debt in fact that I do not owe. I paid SEARS with diligence when I had there then Revolving Charge account. But, what really pisses me of is, if you cal their number listed on the web site you get a recording. It's states their business hours are Monday - Friday. Then why in the hell are they calling me on a "SUNDAY" morning. I made sure to leave them a message that would get somebody's attention.

September 2008    I have you all beat as far as the audacity of this company. I have recently been receiving calls from this company with requests to call them back but not asking for any particular person. Clueless as to what it could be about and not having any past due collections on anything, my curiosity got the best of me. During my inquiry, the "collector" stated the collection was for a Cheryl King. Having recently received a notice in the mail from a different collector for a different debt in the same name, I contacted them to let them know they were sending mail to the wrong address. Here's the catch, my name used to be Cheryl King, but not since March of 1990 when I divorced my first husband. The mailed collection was looking for someone of the same name who had lived in Washington State, which I never have. So, upon hearing them ask for the same name, I let them know that they had the wrong person. The collector went on to ask a few other questions and revealed information about myself. These people were calling me about a joint account from a Jewelry store with a balance of $300, with my ex-husband from 1987!! Talk about long past the Statute of Limitations. HE was given the debt in our divorce which apparently he never paid and now they are trying to get it out of me. I informed them that if nothing else the SOL was WAY past and to please stop calling. I can see that its not going to be that easy. These people really have lost their minds.

September 2008    I, too, have become a victim of this incredulous agency. It started just as everyone else on here did...annoying phone calls that scared me re: a 9 year old debt. When pushed, they related my almost $900.00 due to a bank called 1st Western National Bank, which at one point was located in Colorado. There was such a bank, but has since changed names. Anyway, I contacted them and they were really nice. Somehow PRA did have my social security number, and I am peeved at this, because I have no idea how that occurred. Back to the bank, though...in the early 90's they had a contract with something called x.com, which was later bought by Paypal.com. The person who stole my identity bought a Gateway Computer (records too old to verify, but that's what they said). I don't know how PRA found any of this, or if ANY of what they said was valid because they have given me no information other than what I have expressed here. I do know one thing, they have my social security number and I consider them dangerous. They've sent me a "Theft Affidavit" report to fill out that looks like a ridiculous, Word Processing, made from home report that I have no intention of returning because I don't know exactly what they're looking for in it. I have placed a password on my account at my bank, and I suggest anyone out there associated with these lying rats to do the same. Another interesting thing? The address and phone number they give us doesn't match the 'authentic website' that they can't wait for us to see to validate them as a legitimate business. Hmmmm. How are they getting away with this? Do they prey on the elderly, who won't ask questions? How can we REALLY get them??

September 2008    These vermin just never go away!!!!! In July, 2006 they claimed a debt which they admitted was from 1993, wow, 13 years old. After a year, numerous threats of lawsuits by PRA, PRA ignoring validation requests and cease and desist communications, they finally admitted they didn't have any means of validating this supposed debt they claimed. A debt I have no idea or memory of ever incurring. It took a State agency getting involved that PRA rep Donald E. Jones stated in writing (ltr dtd April xx 2007), that this account was being closed and ALL collection activity would cease. Now, over a year from that letter, PRA is calling again, leaving computer generated messages to call them. I'll see if they send anything in writing, then march down to the nearest NACA lawyer and cash in at PRA's expense. I've kept every shred of documentation from my last encounter with these vermin including their correspondence to the State. At $1,000 a crack for each violation, this could be quite profitable.

September 2008    This company is horrible. They started leaving messages on our answering Machine for my husband in reference to a so-called debt from 1997. (Are they serious?) The sol in PA is 4 years so they ought to do the math.  However, my husband immediately asked for Debt Validation Letter and Darryl had the audacity to say that there is no need to send out a letter if my husband didn't intend to pay! (LMAO)  My husband informed them that he wasn't accustomed to paying debts without validation and asked them the name of the account which to my husband's surprise,...THEY DID NOT HAVE!!! They couldn't tell him if it was a VISA, MS Card, DISCOVER, IN STORE ACCOUNT...nothing! They just said that it was an account that was managed by PNC Bank!!! OK...Well thanks for that boatload of helpful information! These people are CERTIFIABLE if they think my husband is giving them a thin dime! I hope I helped someone before they send these Yahoos their hard earned money!  Sincerely,  "They must be joking"

August 2008    These people are a piece of work! I am about to sue them. I asked them to verify a debt they say I owe. Not only did they not respond to it, they also verified the debt on one of my CRA. The base of my law suite is they are reporting that I made a payment to them, which is not true. and they are reporting this untruth to all 3 cra's I have already filed a compliant with the BBB. And will be filing one with the FTC.

June 2008    Portfolio Associates contacted me with a "tax refund" deal on a debt that belonged to my ex-husband as part of the divorce in 1994. This debt is well beyond the SOL in New York State. I wrote them (registered mail) and asked for validation the debt and they sent me a proof THEY owned the debt. I wrote again and asked for validation that the debt was mine and the SOL had not expired. They then asked ME to prove my identity.

I wrote again to send a cease and desist letter that stated they have failed to validate the debt is mine or that the SOL had not expired on the debt.  I sincerely hope this is the end of it. They have not made any credit inquiries or posted anything on my credit report.

June 2008    PRA is a fraud run by a bunch of liars. They sent a collection letter on an old MBNA account. I sent them a debt validation notice asking for proof. What they sent was one of the bogus Connie Washington, Admin Mgr for PRA who swears she has knowledge on the account. What a liar! She has no more knowledge than the clerk at 7-11 does. PRA lies on their credit bureau filings, those accounts are not accurate, and they are just lies used by a junk debt buyer to swindle money. This massive fraud should have legal consequences. PRA is in the extortion business their owner, Steven D. Fredrickson of Virginia Beach, VA should be criminally liable for the lies and money stolen by PRA from consumers. Connie Washington is even a bigger liar for making up those phony affidavits.

June 2008    Out of no where, I received a phone call from Portfolio, claiming I had an outstanding balance of $1100 plus for a MasterCard. I had no idea what this person was talking about because, I've never had any cards with Capital One. She asked for the last four digits of my SSN. I wouldn't give it to her. I said, 'If your calling me for a debt I owe then you should that'. That's when she put her" supervisor" on who tried to tell me what I was going to do. Fat chance! I told him to send me a DETAILED copy of this account. They said I would have to contact Capital One for this information. So I did. Capital One, told me the account was charged off. There was nothing in their system with my information. I asked them, How could you sell an account to someone without contacting me? I have no knowledge of this account, never received any payment statements. I want details when the account was opened, what I had purchased with this card, and the year it was opened.  They kept saying contact Portfolio. I  wrote Capital One Corporate Headquarters. I sent letters to every Capital Ones' Executives and Corporate Managers. Low and behold I received GREAT! results. I wrote explaining what Capital One had done and how they refuse to release my information to me, but had given it to someone else. My request was answered by a person in Capital One Recovery Department, who quickly resolved this. In their letter, they emphasized that the account was fraudulent! And would be removed from my credit reports. I couldn't wait to send this information to Portfolio along with a certified return receipt Cease Contact letter.

June 2008    I had received a phone call from PRA a few weeks ago regarding collection of a debt from US Cellular. I had informed them I could not recall ever using US Cellular and they said they would send me a form that would help clear that up. I received the form, filled it out to the best of my ability and sent it in. I got a call a week ago Monday. 6/9/08 saying that they didn't accept my dispute because I had not sent in a police report and did not notarize the document. When I complained that I did not know I had to do that, the caller became really nasty, leading me to terminate the call.

I have since looked up PRA, and sent in a cease and desist letter which disputed the debt and asked for documentation/evidence. I also checked my credit report and learned that they tacked their claim for $2842 from US Cellular on my Adverse Accounts list. They also sent me a collection request that provides no information regarding the account.

There is a theoretical possibility that I may have signed papers for a cell phone for my step daughter when I was married, but I have been divorced since January 2003. According to my understanding, the KS statute of limitations for written agreements is 5 years. At the moment I am waiting to see what they do next, and am trying to learn what I should do next.

June 2008    Portfolio Recovery sent a letter a few months ago for a time barred debt in another state where I used to live. I ignored it. This am they called (with thick foreign voice) and wanted to know how they could help me resolve this today. I told her it was time barred and hung up.  MBNA wrote off $13,600 in Oct 2000, they want over $32,000! I'm sure they will call again - have a card by each phone with script to say "Send documentation".

June 2008    NORFOLK, VA,  (MARKET WIRE via COMTEX News Network) -- Portfolio Recovery Associates, Inc. (NASDAQ: PRAA), a company that purchases, collects and manages portfolios of defaulted consumer receivables and provides a broad range of accounts receivable management services, today announced that it will exit the business of contingent fee third-party portfolio collections overseen by its Anchor Receivables Management unit.

May  2008    They call all hours of the day and night, leave messages that say that they are a debt collector and any information will be used for that purpose. I have never talked to them verbally, it is my right as USA citizen not to answer my phone. When you don't answer your phone or return their calls, they send letters stating that they are collecting a debt for a credit card that has went unpaid. I responded to their letter stating that I disputed their claim that I owed them money and asked for verification and proof of the debt. They came back with that they wanted proof where I had paid the debt. I never sent them anything because it is none of their business. They are a third party debt collector who bought a debt for pennies and are now trying to collect on it. They have even dogged my credit report. The phone calls, letters, and threats of being sued keep coming, but they have yet to do anything. Every time I get a letter from them they get one back from asking for verification and proof of debt. I guess this could go on forever! I am ready to turn them over to the Attorney General

just got a letter from them....has a different number for them than you have. Number on this bogus letter is

1-866-428-6601 Do they have a LC to collect in NY?  I would rally like to know how to look that up.  Their main office is  PRA, LLC  DEPT 922  P O BOX 4115  CONCORD, CA 94524  The letter came from the legal dept of NORFOLK, VA 23541 I have no idea what this letter is about.

May 2008    I've been dealing with this company since December 2007. They sent me a letter stating I owed the debt and I needed to contact them immediately to make payment arrangements.

I disputed the debt in writing via certified mail and received a response from them after about 90 days from my original letter demanding payment. They completely ignored my request to validate this alleged debt (the debt did not belong to me).

I keep sending them validation requests once every 30 days and ask that they cease contacting me about this debt. They ignore that and continue to call and leave voice mail on my cell phone and home phone. They have called my employer even after I told them to quit calling me if they cannot prove that I owe the debt; which I don't.

Bottom line is that this company is now poisoning my credit file by adding an outrageous penalty or interest or whatever it is to the amount they allege I owe. This company refuses to send me anything in writing and I refuse to take their calls.

Enough of their Bull****.  I've hired an attorney on contingency to sue them for willful violation of the FDCPA and for placing false information in my credit file which falls outside the $1,000 statute limit so there may be a chance for me to recoup monetary award to cover my costs to litigate this harassment. We'll see what the courts can do to get these animals off of my back.

April 2008    Tons of automated calls and one call from John (human I think) for a credit card debt from 1999. In AZ they must begin collection efforts within 3 years after the last payment and they become time barred in 7 years. Asked for all the documents on the account from the credit card company as well as the collection agency. They say that it takes 60 days to get them. BULLS###!! They were told not to call that I would call when I received the documents and reviewed them. Never missed a beat. I will record the calls for prosecution purposes. All this effort for my ex-wife's credit.

I just stumbled onto your site. I worked there about 8 or 9 years ago. At the time, they (upper management) were the most evil people I had ever come across. I could bore you with how they completely used and abused their floor managers, but that would take too long.

I was very surprised to see your document from Delvenia Rush. She was there way back then. Nothing against her, but she really isn't the brightest person I ever met. That said, I am absolutely certain that the document ultimately came from her boss. Back then, it was a lady named Barbara O'Daire. She and her husband, Bill, both worked there. Neither one of them had a soul. I am certain that at least one of them still works there.

Barbara oversaw the legal team. Back then, it consisted of 3 representatives and they each had essentially 1/3 of the country to deal with. Their MO was to shoot first, and ask questions later. Disputes of all kinds were put to the side as they were not seen as immediate money makers. Delvinia worked in that group.

Barbara's husband is the one who set the tone for that office. It was truly all about the money. Right and wrong was further down the line of importance. There was an occasion where he chewed out the floor managers because he felt he missed his bonus because of them, and he wouldn't be able to buy his swimming pool. The two of them bought a gold Corvette and had the license plate read "Bad Debt". True egomaniacs.

I will closely follow your site. I am so happy that I got out of there when I did. I have never had a more miserable job experience in my life. Hopefully, what goes around will ultimately come around...

March 2008    We have excellent credit, no past debt, but to get rid of them may be a problem. I am waiting for the "HELL" to start!  Nothing has really happened yet...but I am not holding my breath. I used to do credit collections myself at a jewelry store as asst credit manager) and worked at a credit bureau for 5 years before that. I am well aware of the "tactics" and just how slick these collectors can be.

We got a call on our cell phone Sunday night. They said they were a collection agency and we needed to call them back. I did not write down the number, but called the number we received the cal from. Of course no one answered. I told them that they must have the wrong number, and that we are on the "do not call" list, and to not call us again. My mistake was that I called them from my landline phone,.....so now they have that as well.

I jumped right on it to start with FTC, attorney general, 3 local television stations, our local newspaper, then called the newspaper and am sending them this info, and info from your website with pertinent info on Portfolio Recovery Assoc. Am listing calls not meant for us. And will record if necessary if I get nasty calls asking for money.

Then today 2/26 I received a call on my business toll free number (which goes thru our landline) and they asked me for Gayla. I said you must have the wrong number. (wishing we had caller I.D....may have to get it now for sure).

Thanks again for your website. As now I have legitimate info on contact info for Portfolio....as one website gave a phony name Dennis Pizza (as collectors use) for personnel at Portfolio.

March 2008    Due to my own negligence, I was taken advantage of by these bloodsuckers. I had an old credit card account that was over 8 years old, and had been written off. Then out of nowhere I get a call from Portfolio saying they are collecting the old debt. I disputed the debt as being charged off, only to receive a summons to small claims court from an out of town, but in state attorney's office. I failed to go to court and 30 days later the judgement was executed and a sheriff's deputy served me papers at my home. At that point my only recourse was to contact the attorney's office and try to make payment arrangements. I now have to pay them $100 per month for the next 3 1/2 years to cover the original debt plus attorney's fees. If I had checked with this site first, I would have realized this debt was over the Statute of Limitations and would have disputed the fact at the time. My ignorance of what I could do ended up costing me more than I originally owed.

2007     I recently had the pleasure of a phone call from these idiots regarding some past due account in my wife's name. I advised the female on the end of the line that I was not born yesterday and informed her she had to send me me a written request for payment (because we have never ever received anything from them). I then informed her to get lost and hung up. After about 10 minutes she called back and rattled on about their legal rights and would I be willing to make a payment schedule or perhaps even a payoff figure could be reached. Now I know enough that if I did make any financial arrangements, then the account would be re-opened with a new date. I laughed while I read the listings here regarding this reseller while talking to her on the phone. Once again I informed her of their legal obligations concerning the FDCPA and that really threw her off. I will wait the mandatory 5 days for them to respond to my request, at which time I will submit a written verification request and will also file proper complaints with the FTC, Office of Attorney General, state of Florida and may even sue them for civil or perhaps criminal (depending on how stupid they get) damages. Thanks for your helpful web site.

2007     Portfolio Recovery Associates owns Anchor Receivables Management collects debt owned by others) IGS Nevada, 475 E. Capovialla Ave. Rm 100, Las Vegas, Nevada also located in Jackson, TN 757-519-9300 & fax# 702-740-0379 (asset location-repo & skip tracing-PI) and RDS Revenue Recovery Systems (debt owed to local, state & fed. govt) Hope this helps someone!

2007     I got a call at work from a lady that said she was with Portfolio Recovery, she said that this company bought the account from Capital One. I didn't know what she was talking about. She said I had an account with them from 1997 to 2000. And that I owed $2000.00. I said I have never had an account that high, the only credit card I remember having back then had a limit of $300.00 and I never charged close to that amount. Anyways, she said I needed to make arrangement to pay this. Meanwhile I have 2 other calls on hold...legitimate work calls on hold to deal with this idiot. I finally got a statement from her about 2 months after the phone call via mail, and I again called and disputed it. I also sent them a certified letter to not contact me anymore regarding this account that by Oregon SOL has already run on, if it is indeed from 97 to 00. However, I am now again getting daily calls from these people. I also asked for original proof from them from Capital One, when this account was supposedly opened, being that I do not recall this account, she told that I need to file a complaint with the police dept for identity fraud then, and they would be awaiting a report that I was supposed to send to them

2007     This company does more than harass. They terrorize. I was contacted by a Steven Barber on an account I have never had. He claimed I owed $12,000.00 on a Capital One Credit Card and if I didn't pay, my wages would be garnished. I informed him the account has been out of statute
since my last activity in 1990. I was shocked when he continued to make these misleading statements. If I would have been in the office, the call would have been recorded.

2007     For the last year or so I've been getting calls from Portfolio Recovery claiming I owe $3400 on a credit card which I've never owned. I asked them the date the account was opened and was told they had purchased the debt from a  credit card bank in Nebraska October 1990. I informed them that I DISPUTE THEIR CLAIM AND THAT I DID NOT OWE THIS DEBT. Not only  had NEVER EVER heard of the CC company in question, but I have never been stupid enough to want to possess a credit card. The caller then read me back my SSN and told me that the collection calls would continue until I pay off the debt. I then responded by telling her the Missouri statute of limitations on collecting a debt from 1990 would long since have expired. PRA are liars trying vainly to collect a debt that never existed.

2007     Portfolio Recovery & Affiliates  using same address- 120 Corporate Blvd  Ste 1  Norfolk, VA 23541

2007     My mother, who is 90 years old, and resides in a nursing home just received a collection letter from this company for an alleged account with Caldor Department Stores (who filed bankruptcy in 1995 and ceased all operations in 1999) in the amount of $1,250. My mother does not even remember ever using a Caldor account and anyway the statute of limitations in Maryland for credit cards is three years. I pulled my mother's credit history last year and nothing of this sort ever appeared. I have used a CEASE and DESIST letter and sent it to their Norfolk, VA office. This company must think consumers have "lost their minds" if they expect to receive payment on a "bogus/out of statute" claim especially from a 90 year old woman who doesn't even recall incurring this debt. The unfortunate part is that my mother did have some legitimate small debts that went to collection and were paid off. I guess the "scent of blood" is in the water for the debt collectors now and if they think they can scare someone into paying something that may or may not be due, they will try.

2007     Portfolio bought an out of SOL account that is just about to fall off my CR. They listed it as a collection AND are saying I made a recent $5.00 payment. Guess they are trying to re-age it. I'm burned up, but they will end up
getting burned after I send off my complaints.

2007     I will be reporting this company for harassment.  I received a voice message from person who did not state his name. In his message, he assumed I would "want" to return the call. The phone number left was 1-800-383-8013.  I received another voice message on my mobile phone. A "Connie" calling from 1-800-383-8013 extension 22715 was very demanding, stating who could and couldn't listen to the recording.

I called the number back and was transferred to Jordan Akins. His kindness turned into aggression and sarcasm when I told him I've been on disability for three years with no real income. He kept asking about my attorney, when I told him I don't see any point in having an attorney, he asked if he could recommend one, as I "severely" needed one.  When he heard the TV in the background, he wanted to know how I pay for, what he called, my "satellite dish" and asked what other luxurious items I had. When I told him I was very serious about my condition, and why I was disabled, he told me to enjoy my "free vacation" and hung up.

I called back and was transferred back to Jordan Akins. I discussed $15.00 payments, all I could afford. He told me it was unacceptable and started to raise his voice and hung up.

2007     i would first off like to say that i have just recently joined the pra team.. i would also like to say that not all of us are as bad as most of you make us out to be. I feel websites like yours, as informative as they are for debtors, make the business out to be a lot worse than it is. the fact is that yes, we do buy out-dated accts. but only because we buy them in such bulk that we don't have the opportunity to pick and choose what we receive. and please, don't take that fact to be me boasting about my company, because almost ALL collection agencies buy the same way. also, the fact that our name has been on your site since at least oct of 2005 (first comment posted) and there have only been 24 posts (not including mine) tends to lead most viewers to believe that our company is not the worst one on the face of the earth. readers should also look at the fact that yes, we have a lot of law suits pending against us, but not nearly as many as the other smaller collection agencies in the US. obviously we are doing something right, considering we're one of the leading agencies in the US, traded on the nasdaq, and 3 other VERY successful offices in this country. my point isn't that we're a bunch of successful liars, my point is that the bulk of people working for this company are decent people and at one point or another in their lives have been in debt, including me. i'm not bashing anyone who has posted on this site, everyone is entitled to their own opinion, if you have a bad experience and would like to talk to a genuine person, call the ks office and we'll help you out.

2007     I'm going to court in some way off place tomorrow because these people have brought suit for a Capital One credit card debt that is beyond the statute of limitations. I have my credit report from Equifax which gives the last date of activity and notes that it was charged off years ago. I also have a listing that shows where the SOL for credit card debt in Virginia is 3 years. I have reported them to the FTC and sent an email to my state's attorney general office. I'm curious if I have ground to pursue action against them. Apparently they have a gob of people who are being sued tomorrow and I'll bet the majority is a junk debt!

Also while checking over my credit report, I noticed another old debt for which I'm receiving collection letters. This debt had a LDA of 2001! Any suggestions on how to inform them to stop?

I'm not a deadbeat or a leach, but I ran into a long string of bad luck. (I won't mention the Capital One debt was originally one of those stupid "You let us charge $175 to your new card and we'll give you a credit card for $250." Like an idiot, I bit. NEVER again!!! The most of the amount Capital One wrote off for that account was their late fees which made me over limit, which made for more fees, ad nauseum.)

Please give me any advice or suggestions you have. This type of debt collection is apparently becoming very popular now. Someone must stop them.

2007     After a year of demanding debt verification from these people, getting the VA State Attorney Generals Office and the OCA involved, this company finally admitted that they could not verify anything about their so called claim against me. They dropped their collection attempts and informed the OCA representative that they would not sell it to another company (yeah, right) and destroy my file and remove any derogatory statements on my credit report (we'll see). If you keep at them Bud, they can't prove their claims. Also, the comments about all the Federal Lawsuits against them is true, I sent copies of the filed suits that I downloaded from the Justia website to the OCA, at last count it was 38 Federal Lawsuits since 1 January 2006, 2 FEDERAL LAWSUITS EVERY 30 DAYS.

2007     Just thought people should see what a wonderful organization PRA is. Below is a list of FEDERAL lawsuits filed against PRA as of 1-6-2007. I will be adding my name to the growing list as well. Everyone's comments about PRA being bottom feeders is an understatement.

Who is Suing Them in Federal Court [up to 1-6-2007]  Name Court Case No. Filed NOS Closed

1 PORTFOLIO RECOVERY ASSOCIATES nedce 8:2005cv00143 03/30/2005 480 06/02/2005
Bracker v. Portfolio Recovery Associates et al
2 PORTFOLIO RECOVERY ASSOCIATES kyedce 7:2004cv00163 04/09/2004 890 03/16/2005
Wilson v. Verizon Wireless et al
3 PORTFOLIO RECOVERY ASSOCIATES nedce 8:2006cv00340 04/28/2006 220 08/30/2006
United States of America v. Bassett et al
4 PORTFOLIO RECOVERY ASSOCIATES nedce 8:2004cv00468 09/23/2004 890 10/20/2004
Abboud v. Portfolio Recovery Associates (PAPER FILE)
5 PORTFOLIO RECOVERY ASSOCIATES flmdce 8:1999cv02124 09/17/1999 440 02/07/2000
Lute v. Chase Bank, et al
6 PORTFOLIO RECOVERY ASSOCIATES flmdce 8:1999cv02139 11/23/1999 450 11/24/1999
Lute v. Chase Bank, et al
7 PORTFOLIO RECOVERY ASSOCIATES paedce 2:2006cv03618 08/17/2006 442 10/12/2006
ROBINSON v. PORTFOLIO RECOVERY ASSOCIATES et al
8 PORTFOLIO RECOVERY ASSOCIATES paedce 2:2006cv03618 08/17/2006 442 10/12/2006
ROBINSON v. PORTFOLIO RECOVERY ASSOCIATES et al
9 PORTFOLIO RECOVERY ASSOCIATES paedce 2:2005cv06282 09/08/2006 890
MINCEY v. TRANS UNION, LLC et al
10 PORTFOLIO RECOVERY ASSOCIATES flsdce 1:2005cv20292 02/01/2005 890 03/21/2005
Gonzalez v. Portfolio Recovery, et al
11 PORTFOLIO RECOVERY ASSOCIATES flsdce 1:2005cv20523 02/23/2005 890 07/20/2005
Navarro v. Portfolio Recovery
12 PORTFOLIO RECOVERY ASSOCIATES flsdce 1:2003cv21091 05/01/2003 440 08/01/2003
Angueira v. Pra III, LLC, et al
13 PORTFOLIO RECOVERY ASSOCIATES flsdce 1:2005cv21513 06/07/2005 890 07/28/2005
Valdes v. Portfolio Recovery, et al
14 PORTFOLIO RECOVERY ASSOCIATES INC candce 3:2004cv05223 12/09/2004 440 05/23/2005
Moen v. Portfolio Recovery Associates Inc
15 PORTFOLIO RECOVERY ASSOCIATES INC candce 5:2004mc07019 07/23/2004 890
v. Doe
16 PORTFOLIO RECOVERY ASSOCIATES INC wawdce 2:2006cv00221 02/14/2006 480
Gordon et al v. Equifax Information Services LLC et al
17 PORTFOLIO RECOVERY ASSOCIATES INC ilcdce 2:2006cv02063 03/31/2006 890 06/30/2006
Hill v. Portfolio Recovery Associates Inc
18 PORTFOLIO RECOVERY ASSOCIATES LLC aredce 3:2004cv00018 01/20/2004 220 05/14/2004
USA v. Provow, et al
19 PORTFOLIO RECOVERY ASSOCIATES LLC cacdce 8:2006mc00026 10/13/2006 999 10/13/2006
GG Worldwide Enterprises v. Bank of America NA USA
20 PORTFOLIO RECOVERY ASSOCIATES LLC insdce 1:2006cv00046 01/11/2006 890 02/14/2006
ANDERSON v. PORTFOLIO RECOVERY ASSOCIATES LLC
21 PORTFOLIO RECOVERY ASSOCIATES LLC inndce 1:2001cv00057 01/31/2001 890 06/18/2001
Marks v. Portfolio Recovery
22 PORTFOLIO RECOVERY ASSOCIATES LLC inndce 2:2005cv00077 03/02/2005 890 04/05/2005
Bonner v. Portfolio Recovery Associates LLC
23 PORTFOLIO RECOVERY ASSOCIATES LLC okwdce 5:2006cv00573 05/24/2006 890
Walden v. Portfolio Recovery Associates LLC et al
24 PORTFOLIO RECOVERY ASSOCIATES LLC okwdce 5:2006cv00573 05/24/2006 890
Walden v. Portfolio Recovery Associates LLC et al
25 PORTFOLIO RECOVERY ASSOCIATES LLC ilndce 1:2006cv00810 02/13/2006 480 04/13/2006
Velev v. Portfolio Recovery Associates LLC
26 PORTFOLIO RECOVERY ASSOCIATES LLC cacdce 5:2006cv01075 09/29/2006 440
Van Hall v. Portfolio Recovery Associates LLC
27 PORTFOLIO RECOVERY ASSOCIATES LLC scdce 3:1999cv01511 05/13/1999 370 02/01/2000
Deleonardis v. Chase Manhattan Bank, et al
28 PORTFOLIO RECOVERY ASSOCIATES LLC wawdce 2:2004cv01542 07/08/2004 890 05/24/2005
Tran v. Chase Manhattan Bank USA NA et al
29 PORTFOLIO RECOVERY ASSOCIATES LLC ilndce 1:1999cv07837 12/02/1999 890 04/19/2000
Johnson v. Portfolio Recovery, et al
30 PORTFOLIO RECOVERY ASSOCIATES, INC. mtdce 1:2002cv00169 12/03/2002 870
USA v. Niezwaag, et al
31 PORTFOLIO RECOVERY ASSOCIATES, INC. vaedce 2:2004cv00352 06/09/2004 320 11/10/2004
Portfolio Recovery v. Doe
32 PORTFOLIO RECOVERY ASSOCIATES, INC. njdce 2:2006cv00869 02/14/2006 890 04/28/2006
VRETTOS v. PORTFOLIO RECOVERY ASSOCIATES, INC.
33 PORTFOLIO RECOVERY ASSOCIATES, INC. ilndce 1:2003cv00883 02/06/2003 890 05/13/2003
Fisher v. Portfolio Recovery
34 PORTFOLIO RECOVERY ASSOCIATES, INC. codce 1:2006cv01491 08/01/2006 480 11/08/2006
Wolford v. Portfolio Recovery Associates, LLC
35 PORTFOLIO RECOVERY ASSOCIATES, INC. ilndce 1:2003cv01551 03/03/2003 440 07/29/2003
Khan, et al v. Portfolio Recovery, et al
36 PORTFOLIO RECOVERY ASSOCIATES, INC. azdce 2:2006cv01693 07/06/2006 480 08/17/2006
Adcock v. Howarth et al
37 PORTFOLIO RECOVERY ASSOCIATES, INC. codce 1:2006cv01917 09/26/2006 480 12/22/2006
Bollacker v. Portfolio Recovery Associates, LLC
38 PORTFOLIO RECOVERY ASSOCIATES, INC. codce 1:2006cv01938 09/28/2006 480 12/26/2006
Bollacker v. Portfolio Recovery Associates, LLC
39 PORTFOLIO RECOVERY ASSOCIATES, INC. nyedce 2:2006cv02180 05/11/2006 480
Liantonio v. Portfolio Recovery Associates, Inc.
40 PORTFOLIO RECOVERY ASSOCIATES, INC. mddce 1:2005cv03152 11/23/2005 890 06/06/2006
O'Neill v. NCO Portfolio Management, Inc.
41 PORTFOLIO RECOVERY ASSOCIATES, INC. waedce 2:2006cv05030 04/10/2006 480
Greek v. Portfolio Recovery Associates, Inc. et al
42 PORTFOLIO RECOVERY ASSOCIATES, INC. ilndce 1:2002cv08429 11/20/2002 890 07/31/2003
Giacoletti v. Experian Info, et al
43 PORTFOLIO RECOVERY ASSOCIATES, INC. nysdce 7:2006cv12913 11/03/2006 480 12/27/2006
Lubin v. Portfolio Recovery Associates, Inc.
44 PORTFOLIO RECOVERY ASSOCIATES, INC. nysdce 7:2006cv13276 11/17/2006 480
Lubin v. Portfolio Recovery Associates, Inc.
45 PORTFOLIO RECOVERY ASSOCIATES, L wiwdc 3:2002cv00326 06/11/2002 890 10/10/2002
BRENIZER, PHILLIP R. vs. PORTFOLIO RECOVERY ASSOCIATES, L
46 PORTFOLIO RECOVERY ASSOCIATES, L. L. C. miedce 1:2006cv13911 09/01/2006 890
Castleberry v. Capital One FSB et al
47 PORTFOLIO RECOVERY ASSOCIATES, L.L.C. vaedce 3:2004cv00057 01/28/2004 890 08/16/2004
Mendel v. Equifax Information, et al
48 PORTFOLIO RECOVERY ASSOCIATES, L.L.C. vaedce 2:1997cv00917 10/03/1997 190 03/09/1998
Portfolio Recovery v. Wells Fargo Bank
49 PORTFOLIO RECOVERY ASSOCIATES, L.L.C. paedce 2:2003cv00973 02/21/2003 890 05/22/2003
SCHWARTZ v. PORTFOLIO RECOVERY ASSOCIATES, L.L.C.
50 PORTFOLIO RECOVERY ASSOCIATES, L.L.C. azdce 2:2006cv01634 10/18/2006 890 10/18/2006
Lee v. Portfolio Recovery Associates, L.L.C.
51 PORTFOLIO RECOVERY ASSOCIATES, L.L.C. azdce 2:2006cv01693 07/06/2006 480 08/17/2006
Adcock v. Howarth et al
52 PORTFOLIO RECOVERY ASSOCIATES, L.L.C. candce 3:2006cv03944 06/26/2006 440
Burton v. Portfolio Recovery Associates, L.L.C.
53 PORTFOLIO RECOVERY ASSOCIATES, L.L.C. waedce 2:2006cv05030 04/10/2006 480
Greek v. Portfolio Recovery Associates, Inc. et al
54 PORTFOLIO RECOVERY ASSOCIATES, L.L.C. madce 1:1999cv10848 04/20/1999 430 05/25/1999
Portfolio Recovery v. Mercer
55 PORTFOLIO RECOVERY ASSOCIATES, L.L.C. madce 3:1999cv30094 05/12/1999 890 11/05/2001
Richardson, et al v. Fleet National Bank, et al
56 PORTFOLIO RECOVERY ASSOCIATES, L.L.C. madce 3:1999cv30094 05/12/1999 890 11/05/2001
Richardson, et al v. Fleet National Bank, et al
57 PORTFOLIO RECOVERY ASSOCIATES, LLC codce 1:1999cv00004 01/04/1999 890 05/17/1999
Sparaco v. Portfolio Rec Assoc, et al
58 PORTFOLIO RECOVERY ASSOCIATES, LLC mtdce 2:2002cv00061 03/07/2003 890 10/06/2003
Wood v. Equifax Credit Info, et al
59 PORTFOLIO RECOVERY ASSOCIATES, LLC miwdce 1:2005cv00096 02/07/2005 480 03/10/2005
Eager v. Goldner et al
60 PORTFOLIO RECOVERY ASSOCIATES, LLC miwdce 5:2005cv00143 10/05/2005 480 05/22/2006
Kramer v. Portfolio Recovery Associates, LLC et al
61 PORTFOLIO RECOVERY ASSOCIATES, LLC ncwdce 3:2006cv00185 04/19/2006 190 05/10/2006
Bauer v. Portfolio Recovery Associates, LLC
62 PORTFOLIO RECOVERY ASSOCIATES, LLC alndce 2:2005cv00272 02/04/2005 890 02/22/2006
Trimble v. Portfolio Recovery Associates, LLC
63 PORTFOLIO RECOVERY ASSOCIATES, LLC txwdce 3:2006cv00299 08/22/2006 890 08/24/2006
Callier v. Portfolio Recovery Associates, LLC
64 PORTFOLIO RECOVERY ASSOCIATES, LLC txwdce 6:2003cv00330 10/08/2003 890 04/21/2004
Rockenhaus v. Portfolio Recovery, et al
65 PORTFOLIO RECOVERY ASSOCIATES, LLC nhdce 1:2004cv00359 09/23/2004 890 02/03/2005
Call v. Portfolio Recovery Associates, LLC et al
66 PORTFOLIO RECOVERY ASSOCIATES, LLC azdce 4:2006cv00387 08/01/2006 890
Lee v. Portfolio Recovery Associates, LLC et al
67 PORTFOLIO RECOVERY ASSOCIATES, LLC vaedce 2:2001cv00578 08/02/2001 840 11/13/2001
Portfolio Recovery, et al v. Coffin, et al
68 PORTFOLIO RECOVERY ASSOCIATES, LLC miwdce 1:2005cv00830 12/15/2005 480 03/14/2006
Tolliver v. Portfolio Recovery Associates, LLC
69 PORTFOLIO RECOVERY ASSOCIATES, LLC vaedce 2:2002cv00833 10/23/2002 790 06/06/2003
Hopkins v. Portfolio Recovery, et al
70 PORTFOLIO RECOVERY ASSOCIATES, LLC vaedce 1:2003cv00845 06/30/2003 890 06/15/2004
Yoho v. MBNA America Bank, et al
71 PORTFOLIO RECOVERY ASSOCIATES, LLC mssdce 3:2004cv00870 10/21/2004 890 04/11/2005
Wade v. Portfolio Recovery, et al
72 PORTFOLIO RECOVERY ASSOCIATES, LLC nywdce 1:2005cv00879 12/16/2005 890 04/05/2006
Wolkiewicz v. Portfolio Recovery Associates, LLC
73 PORTFOLIO RECOVERY ASSOCIATES, LLC miwdce 1:2006cv00883 12/15/2006 480
Vucenic v. Seth L. Goldner, P.C. et al
74 PORTFOLIO RECOVERY ASSOCIATES, LLC ksdce 6:2006cv01225 07/31/2006 890
Penrod v. Portfolio Recovery Associates, LLC
75 PORTFOLIO RECOVERY ASSOCIATES, LLC txndce 3:2005cv01382 07/12/2005 890 11/04/2005
Noblett et al v. Portfolio Recovery Associates, LLC
76 PORTFOLIO RECOVERY ASSOCIATES, LLC mssdce 3:2002cv01427 08/29/2002 190 01/30/2004
Taylor, et al v. First Family, et al
77 PORTFOLIO RECOVERY ASSOCIATES, LLC codce 1:2006cv01491 08/01/2006 480 11/08/2006
Wolford v. Portfolio Recovery Associates, LLC
78 PORTFOLIO RECOVERY ASSOCIATES, LLC ilndce 1:2003cv01551 03/03/2003 440 07/29/2003
Khan, et al v. Portfolio Recovery, et al
79 PORTFOLIO RECOVERY ASSOCIATES, LLC ilndce 1:2004cv01568 02/27/2004 890 08/19/2004
Smith v. Portfolio Recovery
80 PORTFOLIO RECOVERY ASSOCIATES, LLC insdce 1:2005cv01589 10/20/2005 890 12/13/2005
ANSTED v. PORTFOLIO RECOVERY ASSOCIATES, LLC
81 PORTFOLIO RECOVERY ASSOCIATES, LLC ilndce 1:2006cv01827 04/03/2006 890
Hakman v. Portfolio Recovery Associates, LLC et al
82 PORTFOLIO RECOVERY ASSOCIATES, LLC codce 1:2006cv01917 09/26/2006 480 12/22/2006
Bollacker v. Portfolio Recovery Associates, LLC
83 PORTFOLIO RECOVERY ASSOCIATES, LLC codce 1:2006cv01938 09/28/2006 480 12/26/2006
Bollacker v. Portfolio Recovery Associates, LLC
84 PORTFOLIO RECOVERY ASSOCIATES, LLC ohndce 3:2006cv02309 09/22/2006 430
Dalton v. Providian National Bank, et al
85 PORTFOLIO RECOVERY ASSOCIATES, LLC mddce 1:2005cv03152 11/23/2005 890 06/06/2006
O'Neill v. NCO Portfolio Management, Inc.
86 PORTFOLIO RECOVERY ASSOCIATES, LLC ilndce 1:2005cv03372 06/07/2005 890
Foreman v. Pra III, LLC et al
87 PORTFOLIO RECOVERY ASSOCIATES, LLC paedce 2:2001cv03684 07/23/2001 890 08/04/2003
STREET v. PORTFOLIO RECOVERY
88 PORTFOLIO RECOVERY ASSOCIATES, LLC ilndce 1:2005cv03686 06/24/2005 890 09/26/2005
Azeez et al v. Federal Bond & Collection Service Inc.
89 PORTFOLIO RECOVERY ASSOCIATES, LLC nyedce 2:2006cv04886 09/11/2006 480
Leone v. Portfolio Recovery Associates, LLC
90 PORTFOLIO RECOVERY ASSOCIATES, LLC paedce 2:2005cv05503 10/21/2005 480 01/17/2006
FELICIANO v. PORTFOLIO RECOVERY ASSOCIATES, LLC
91 PORTFOLIO RECOVERY ASSOCIATES, LLC ilndce 1:2003cv07213 10/10/2003 890 04/29/2004
Jurinek, et al v. Portfolio Recovery, et al
92 PORTFOLIO RECOVERY ASSOCIATES, LLC flsdce 0:2006cv61724 11/15/2006 890 12/22/2006
Campbell v. Portfolio Recovery Associates, LLC
93 PORTFOLIO RECOVERY ASSOCIATES, LLC, wvsdce 5:2006cv00201 03/17/2006 480
Barnett v. Equifax, Inc., et al
94 PORTFOLIO RECOVERY ASSOCIATES, LLC. hidce 1:2004cv00138 02/26/2004 380 07/13/2004
Ramiscal v. Portfolio Recovery
95 PORTFOLIO RECOVERY ASSOCIATES, LLC. hidce 1:2003cv00172 04/16/2003 380 05/23/2003
De Coito v. Portfolio Recovery
96 PORTFOLIO RECOVERY ASSOCIATES, LLC. hidce 1:2006cv00564 10/17/2006 480
Huxel v. Portfolio Recovery Associates, LLC.
97 PORTFOLIO RECOVERY ASSOCIATES, LLC. insdce 1:2006cv00751 05/11/2006 890 10/02/2006
SHEPHERD v. PORTFOLIO RECOVERY ASSOCIATES, LLC.
98 PORTFOLIO RECOVERY ASSOCIATES, LLC. candce 5:2004cv04049 09/24/2004 890 01/25/2005
Morales v. Portfolio Recovery Associates, LLC.
99 PORTFOLIO RECOVERY & AFFILIATES ASSOC., INC arwdce 6:2004cv06142 11/01/2004 890 04/25/2005
Shrout v. Sears, Roebuck & Co., et al
100 PORTFOLIO RECOVERY ASSOCIATION., LLC ohndce 5:2001cv02233 09/21/2001 890 01/08/2002
Kane v. Portfolio Recovery Association., LLC et al

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