510-355-1780

Thank you for your insightful post, "Resident". It speaks volumes as it provides valuable information in a rational, cool, quiet and calm manner. It is greatly appreciated.

I think I will fire bomb these MOFOs

They can't collect on that acct, as charge-offs over 7 years old are expired.  Simply go to ftc,gov and look for the steps to getting such items removed from your credit.  In this case, you would likely simply dispute the item with each of the three credit reporting agencies (via letter or website) disputing the validity of the claim.  Its a pain, but can be effective for removing inaccurate info.

Recovery Portfolio...it's a collection agency and they have a billion numbers they use to call and harass people...weather they owe money or not. They also call the wrong person a lot..they have been calling me and they have my first name right but my last name wrong. If they call again just tell them who ever they are lookign for is dead...that's my next step.

You may have to take your own homework advice, Mike. Yours is a very common mistaken assumption. Under federal law a debt collector may pursue your account until one of you drops dead, and even your creamation won't stop one from hassling your surviving relatives.

The seven year FCRA time limit for reporting of accounts to the credit bureaus has NO bearing on the ability to collect for them. Each state has its own Statute of Limitations for different debt categories, the true legal "shot clock". This has already been addressed in this very thread. That period ranges anywhere from three to fifteen years. Curiously, not one state has a seven year SoL on any form of debt, putting the lie to any confusion of SoL with bureau reporting.

Here's an SoL chart I like which was accurate as of 2009:
http://www.cardreport.com/laws/statute-of-limitations.html

You should consult your state offices to be certain. Arizona lawmakers, for example, are pushing to reassign credit card debt (open accounts) rather erroneously as a written contract, doubling the SoL from 3 to 6 years.

As to bureau disputes, these are best done in writing, via USPS CMRR, to preserve your leverage under FCRA and FACTA. The main problem is the credit reporters' reliance on e-OSCAR, a quick and dirty [***] child of an email reporting system which discourages the very "investigation" we consumers demand. Some rep will spend a maximum of four minutes on your dispute and smash it down into a two-letter code. This makes striking any but the most painfully obvious errors a royal chore before you start talking FCRA lawsuits.

Just because they repo your rig does not mean you are in the clear on that vehicle.  The auction off that vehicle.  They most of the time get way less at auction than what you owe so YOU owe the difference.............  So you have no rig and still owe a lot of money to the original lender.  Happened to me...........

i never EVER answer the phone...and i don't care what number is...my friends numbers i recognize..so creditors are not calling me as match ..!!!

I just got a call to my surprise Ford Motor they still want me to pay the car i got repo in 1997. They never wanted to work with me.. they need to stop calling they are not getting a penny out of my pocket.

Yep, I have to be that way when dealing with [removed:lang] such as yourself (thanks for making my point by making your comment about my law degree - brilliant).  I work very hard to help people out - much of the time for no money whatsoever - and then [removed:lang] like you post incorrect "advice" and ruin a lot of cases for good people.  I'd love to know where you got YOUR law degree.

My advice is not in the least bit reckless, but I find it hilarious that you defend the [removed:lang] and try to attack me, when the point was exactly the same which you state directly yourself.  There is NO fodder to be had out of stating you are recording if you are not - at least not in any jurisdiction I have found thus far.  You have no obligation to tell the truth to any debt collector or to any other person who calls you - there may be exceptions to that if the caller is a cop or whatever, but as to most calls, and conversations in general, that's the case.  The point is that it can help to stop the harassing calls when they are breaking the C&D for the fools who do not pursue their rights - and they are not going to give a flying frog that you lied about a call being recorded when the suit is about the breaking of the C&D.  Yep, it is legal to record as long as one party is aware, although the 2nd circuit isn't controlling in any place outside the 2nd circuit, I know that in most places that's still the case.  Also, it is obvious to me that you have not worked any litigation such as this. Do you have any idea what kinds of "discovery" happens in these? Next to nothing. You walk in, talk to the judge for 20 seconds, show your green card signed by the collection agency, move for summary judgment, they whine about it, you show your phone records, summary judgment granted.  Almost always the way it works.  Perhaps you should learn what you're talking about before you try to butt in.

Nobody here is instructing the collectors per se, but yes, guess what, they can read, too.  I frequently come here to try and help the poor victims of incorrect information doled out by souls such as Alfalfa and yourself.  It is true that a debt is always owed and that a debt never actually goes away.  What runs out is the ability to sue.  Some places call it laches.  Some places call it a statute of limitations.  Whatever.  Some states bar a debt long, long after the ability to sue has expired, meaning that until that happens they can still call and harass you about the debt.  It is absolutely incorrect - and I'm tired of poor people being fooled into thinking - that the statute of limitations extinguishes a debt.  People need to understand that being called about those debts is not illegal just because the SOL has expired.  You are not helping, you are actually making it worse.  Thanks!  I won't bother coming back to help any of these people, since you are obviously so good at screwing them up yourself.  I hope you enjoy spending hours every day working for free to help people out with these jerks, because that's what you've just taken from them. you + winning!

All of the numbers that are tryin g to collect on years old debt are called BOTTOM FEEDERS. never answer their calls or respond in anyway

these people have been calling me for at least 2 years about a 250 dollar credit card bill i didn't pay in 1998, they quit for awhile, started up again a few weeks ago, i just told them i had passed away today when they called

Hey Portfolio, the checks in the mail!!!!   HHAHAHAHHAHHAHAHA    NOT!!!!

Charge offs cannot be collected if past seven years. You have to be familiar with your states credit laws as well as federal. Credit careless have Chandler in the past 5 or 6 years also. If the original creditor isnot calling to collect the have NO claim. So if I owe Kmart &$$$$$, they are the only ones that can collect. They can sell the account to Walmart, but since they are not the original creditor they have no course of action!

You need to check your Credit card laws.  The Credit Card Laws of yesteryear are gone!  If the debt is charged off and has been reported on your credit for 7 years and fallen off. NO ONE HAS THE RIGHT TO COLLECT.  You CANNOT have a same debt placed back on your credit after it was on there for 7 years already.  Once it is CHARGED OFF, it's erased...  Why do you thin kbankruptcy erases bad debt.  Look up the laws.  I don't believe in people borrowing money and not paying it back.  If you borrow, you pay what you owe. If you are an adult, you know better, but if you are a child (teenagers, young college students) and are targeted by loan sharks, then so be whatever happens will happen and both parties have to deal with it until the 7 years is up.

I wish those bozos from Portfolio, in oakland, ca, didn't call so late at 11:20 PM! Damn! - those liars & thieves.. Hope your check bounces...it should piss them off.

I usually send out of my area code calls to voice mail. They rarely leave me a voice message. If they do #7 deletes it. (After I listen for 2 or 3 seconds)

If answer using blue tooth and they ask for me I say hold on.  Then I hang up! Or I say hold on and play some music and they will soon or later hang up:-)

Sometimes I will say “does he know you?” “I don't recognize your voice!” well call back and leave him voice mail” and hang up!

Sooner or later they will stop calling because they never get who they are calling for. If they don't stop they will never talk to who they are looking for:-)

WOW!  These [***] are too much!  They are actually trying to collect on an 18 year debt!!!!  THAT'S CRAZY!  I just keep telling them that if i didn't pay it up til now then they can expect payment NEVER!!!

All y'all are taking too much trouble and time out of your day with this stuff, fools.  When PR calls me, and they do about 3x daily (!), i dont not answer, bc then it goes to voicemail--which i then have to call and play and delete!  instead, i just answer and hang up, done.  that way no ringing, no voicemail, and they just go on to the next guy.  I aint even mad.

Fair Debt collections Act governs these entities. Search online Fair Debt Collections Act it gives you a complaint form. Hope this helps. A word of caution to everyone if you get notice you are being sued, by all means answer to the court and fight it. The worst thing you can do is let them get a Judgment against you. They can't garnish Social Security checks, however once the money hits your bank account it is considered accessible income, and they can garnish it.Just remember fight, even Pro Se, you will most likely win.