5103551780

Yeah, how much do they pay you to make comments? You apparently work for the bottom feeders yourself!

I just received a call from Portfolio Recovery of Oakland, Phone number 510-355-1780 on a debt owed by someone who used to live with us. Has not lived here in over 4 years. My wife and I are both over 70 years old and it is not easy for us to get to the phone to see who is calling. Will a cease and desist letter stop them from calling my number?

} "You have no obligation to tell the truth to any debt collector"

Sure, but I recall hearing "Anything you say may be used against you" about umpteen dozen times in the civil courts I have observed. I'd rather be the one looking closer to squeaky clean if I assert claims of deceptive or hostile behavior from the opposition.

} "show your phone records, summary judgment granted"

Bully for you if that works in your neighborhood. One is just as likely to face a corporate-friendly judge who winks at the bank attorneys and gets a little woodie under his robe every time he rules against a consumer. Then it takes more work to wring admissions and testimony from the lender side.

} "It is true that a debt is always owed and that a debt never actually goes away."

"All general statements are false."

So debt created from thin air by the worst collections thugs is always owed? Debt created by sloppy billing is still owed by someone? Debt ballooned to an amount not permitted by the original creditor's contract is forever owed by some soul? A dismissal with prejudice and deletion of trade line is still not enough to extinguish the claim?

} " incorrect .... that the statute of limitations extinguishes a debt.

uuuhh, yeah ... What I said already.

} ".... learn what you're talking about before you try to butt in."

Forum participation is not the same as a private discussion, therefore no one is barging in. We are all learning here. If you wish to add to our collective wisdom in a polite manner, without misreading what is said or painting broadstrokes or blowing a gasket every fourth sentence, please proceed.

If there is one priority takeaway, it's that advanced debt dispute issues rarely have "one size fits many" solutions. Hence I try to qualify my statements when I'm on less sure footing. Bluster and insults in the reverse mirror image of the collectors are I think not helpful.

They cannot actually try to collect forever as a matter of fact the more they call you becomes harassment and is illegal according to the law.  I refused to pay a debt to sprint because of lies that their customer service people had told me and a year later began receiving collection calls from there collection agency RPM.  I was receiving between 4-8 calls a day from morning to night.  After contacting my lawyer he issued a cease and desist letter to them and filed paper work to sue them.  They immediately settled.  My debt was taken care of it was removed from my credit score and I received a check to pay for my damages.

Sick of them!!!I just got this phone and they keep calling me.I didn't give my number to anyone. They call everyday. Oy

If it doesn't stop them, sending a cease communications letter will set them up for a lawsuit for violations of FDCPA if they continue calling.  Send your letter certified, and contact an attorney if they ignore it.

These companies are so lame. Why take the risk of buying a debt from years ago. Cents on the dollar ? Did Obama settle cents on the dollar with Lehman Brothers, JP Morgan Chase, Wells Fargo, Morgan Stanley, Goldman Sachs Group Inc., U.S. Bankcorp, Capital One financial corp., etc. These are just some of the hundreds of banks that got bailed out and now some company like portfolio shmucks and RPM scavengers just so happen to "Buy" zombie debt. Gee, you know what, everyone here owes me money now and your guilty just cause I said so..hahaha..
People, don't answer without an attorney. If someone calls and says "are you Mr. Smith" just say no, who is calling, when they identify themselves as a debt collection agency, just say I don't know who your looking for, I never had a "bank name here account" and I never lived in "city" of accused. Then block that number..Contact an attorney for advice. Look up statue of limitations in your state. If you get a letter, write a cease and desist and send it through the post office with a signature required.  Rule #1 NEVER admit to anything, Rule # 2 Don't send any amount of money, Rule #3 Remember the banks that never repaid their debt that they borrowed to lend to you..
Most statue of limitations is 6 years, give or take a year. Once you verbally admit to owing and make a payment arrangement, you might be liable to renew statue of limitations. Then Bam, credit problems all over again. Seems like Chase has good credit again and it has only been 3 years...hmmmmm...
Good Luck fellow Americans.

Stop these calls

} "what if it's just not you and they won't leave you alone?"

Anyone who can claim "not me" can send a cease-comm notice, too. This is really the best option, when sent USPS Certified with return card. The FDCPA covers all non-debtors to an extent. Collectors cannot harass or abuse any person, whether the person allegedly owes or not. Possibly you have a case already if you kept good records.

} "given them every info I have on this lady"

A known lawbreaker like PRA has no use for facts, and you are not obligated to assist the (wo)manhunt.

Hi, some of these numbers you already know, but... here is what I have:
Portfolio Recovery Associates
last known:  120 Corporate Boulevard
                  Norfolk VA 23502
listed = 888-772-7326 and as of February 18, 2012 =  800-860-0644

Additional Known Phone Numbers:
757-519-9300 620-662-8870 731-984-7690 866-691-3568 866-879-2116 866-299-6414 866-547-5473 804-931-1061 866-658-7508 847-678-9710 620-662-1492 800-772-1413 800-860-0644 800-722-1413

Please note they can call from New York, Georgia, Pennsylvania, Nevada…  from which they use the following area codes and prefixes.  Block the area code and prefix.  The last four numbers are continually switched around, so you can only get rid of them using the area code and prefix on your call rejection service provided by your phone company.
702-410-(7076),  914-513-(0163),  404-921-(2521),  412-282-(1421), 518-207-(3618)

So far they are known to use up to 125 different numbers to call you. Rejecting area code and prefix works.

Calling your to collect bills you can pay?

Calling your to collect bills you can pay?

This number calls repeatedly