866-940-7640

each state is different...some are shorter time and some are 10 yrs...

I am also a victim of the alleged "866" number.  I usually answer, i don't say a thing, then BAM! hit the phone against the wall.  It is not effective however, they still call.

We get calls on our cell phone from 1-866-940-7640.  If we answer, they've already hung up. Posts indicate it's a collection agency; we  don't owe anybody anything.

I get several calls per day from this #.  Stop!

what about in CA?

They have called my home several times looking for my son, who I have advised they will never reach him at my number as he does not live with me. They still continue to call so I have started not answering the phone. They are annoying me and invading my privacy and I don't owe anyone anything. I pay all my bills on time and have never had a credit problem. They need to leave me alone. Their problem is between them and my son. If they can't reach him by phone they should send him a letter, but leave me alone.

Portfolio Recovery sent me a letter and I had no clue what it was for.  I phoned they said they would send a warrant if I did not give my DOB for verification.  THEN they said it was my debt from 1993!  I told them I do NOT owe this debt, WONDA laughed and said get an attorney and prove it. I was out of the country in 1993 AND the SOL has more than expired! Anyone have suggestions so my credit is not falsely reported?  Oh, they refused to give me the account details or how they obtained, fraudently, my information. orchid4sue@yahoo.com

4 years for california (court judgements are 10 years, but domextic judgements can be renewed). This is fromt he date of "last activity"

See:
http://www.bcsalliance.com/y_debt_sol.html

I am only 13 and if I have a debt for a credit card I have yet to own please tell me these people are calling me 7 times a day

Looking for someone named "Debbie"..... no clue, no Debbie's here.

This phone number, (866) 940-7640, belongs to Protfolio Recovery, a debt collection agency as I found out upon blocking my number as I returned their call.

This company, Portfolio Recovery, calls harassing me most everyday never leaving a messege as to what they are inquiring about.

Portfolio Recovery Associates, LLC
Revenue Discovery Systems Aka/ Anchor Receivables Management

PORTFOLIO RECOVERY ASSOCIATES AS A FINANCIAL INSTITUTION?

Corporate Headquarters
120 Corporate Blvd., Norfolk VA 23502,
Mailing address: PO Box 12914 Norfolk VA 23541
Phone: (800) 772-1413  800-654-8818 or 757-519-9300
Fax: (757) 321 2504 or 866-296-0635

Offices:
4829 Hwy 45 North
Jackson, TN 38305

New Market Mall
5200 West Mercury Blvd
Hampton, VA 23666

500 West 1st Avenue
Hutchinson, KS 67501

Head Debt Collectors:
Steve Fredrickson, CEO
Email: sfredrickson@portfoliorecovery.com
Andrew Holmes, President
Email:  aholmes@portfoliorecovery.com
Craig Grube, Sr., VP
Email: cgrube@portfoliorecover.com
Donald A. Williams, Associate General Counsel
Email:  dwilliams@portfoliorecovery.com
www.portfoliorecovery.com

Portfolio Recovery Associates, (PRA) bottom feeders with deep pockets, have apparently figured out how to get blood from a turnip. They collect on accounts dating back to the 90’s -- accounts so out of statute that most consumers can’t even remember if they even existed.

These vultures live off the grief and (in some cases) the time barred debts of unsophisticated consumers. Like most of the bottom feeders out there, PRA and Anchor are fighting the density of junk debt buyers who have flooded the market. To say the price for accounts has gone up is an under-statement. PRA is paying more just like everyone else to stay on top of the market.

One of PRA's favorite tricks is to use the IRS to collect for them. They issue the debtor a 1099C for the amount of the debt, then charge the full amount off as a loss. We've heard cases of other agencies collecting later on the same debt. Could PRA be charging off the full amount, then selling the account to another junk debt buyer? The poor consumer gets screwed in more ways than one. First, he's paid a questionable debt via a settlement to PRA - perhaps 60% on a debt they most likely couldn't have proven in court. Secondly, his taxes are hit when the IRS waves this 1099C in his face. They are effectively collecting for PRA at this point, since PRA took the loss (100%) of something they paid only pennies on the dollar for. Third, the consumer has to face the debt again when the junk debt buyer comes after him anew. Hopefully, the IRS will catch onto this scam. PRA is a publicly traded company, so one would think they wouldn't be able to get away with this type of financial accounting for very long without some preying eyes.

Yep. They are becoming rather desperate. PRA is being sued right AND left for every violation in the book:

Lawsuit claims that Portfolio improperly filed claims against consumers with an arbitration service it knew to be biased in its favor.

Atlanta, Ga. (PRWEB) December 17, 2009 -- Atlanta-based law firm Webb, Klase & Lemond, LLC has filed a class action lawsuit against debt collection firm Portfolio Recovery Associates, LLC alleging that Portfolio improperly subjected consumers to arbitration with National Arbitration Forum, Inc. ("NAF"), an arbitration service it knew to be biased in favor of creditors. All persons who have been victimized by a Portfolio arbitration through NAF may eventually be included in the class of persons covered by this lawsuit.

According to the lawsuit, the Plaintiff fell behind on his account with MBNA, a national credit card company. Portfolio then purchased this debt and filed an arbitration claim with NAF. The NAF arbitrator awarded Portfolio an amount that was much greater than the Plaintiff's true debt.

The complaint alleges that Portfolio misrepresents to consumers that NAF is an unbiased, neutral entity that will give them a fair hearing. However, according to the suit, Portfolio is aware that NAF is beholden to creditors and renders decisions against consumers nearly 100 percent of the time. Despite its knowledge of these facts, Portfolio accepted NAF judgments and moved to enforce them in various courts. The Minnesota Attorney General has recently sued NAF based on its improper practices and NAF has agreed never to arbitrate consumer matters again. NAF's settlement with the Attorney General, however, does not void any arbitrations that have already occurred.

The Plaintiff has brought claims for unconscionability, breach of contract, violation of the Fair Debt Collection Practices Act, negligent misrepresentation, and contravention of public policy. The case was brought in the Superior Court of Muscogee County in Columbus, Georgia but was removed to federal court. The case, styled Barkwell v. Portfolio Recovery Associates, LLC, is pending in the United States District Court for the Middle District of Georgia and has been assigned Case Number 4:09-CV-113-CDL. The case is likely to be remanded to the Superior Court but will still, with court permission, pursue claims on behalf of all persons in the United States who were victimized by Portfolio.

If you wish to discuss this action or have any questions concerning this press release, please contact E. Adam Webb, Esq. by e-mail or by calling (770) 444-9325. Webb, Klase & Lemond, LLC is a law firm that practices complex litigation with a focus on litigation arising from wrongful deprivations by corporate and government entities. You may visit our website at www.WebbLLC.com.

http://fivemilliondots.com/?tag=/class-actions

Missouri AG Takes on Portfolio
Attorney General Koster takes action against fraudulent debt collectors

--Koster says businesses tried to collect debts people didn't owe--

St. Louis, Mo. - Attorney General Chris Koster today filed suit against two debt collection companies that are operating scams to collect debts from citizens who do not owe the money.

Koster filed law suits in St. Louis against Portfolio Recovery Associates, a public company based in Virginia, and Professional Debt Management located in Kansas City.

Koster said Portfolio buys old and bankruptcy-discharged debt, often from another bad debt buyer, and then tries to collect, sometimes through court action. He said the company often is attempting to collect on accounts that are already paid or have been discharged in bankruptcy; sometimes they try to collect from the wrong consumer or for the wrong amounts. He said the company has threatened to garnish consumers' social security checks, which they have no authority to do, and has refused to provide consumers with proof that the debt is valid.

Koster said Professional Debt Management uses scare tactics, leaving messages on consumers' phones that there is an emergency. He said that like Portfolio, they attempt to collect on accounts already paid or from the wrong party.

"The Attorney General's office intends to take aggressive action to protect Missouri consumers," Koster said. "I am asking the court to issue a permanent injunction prohibiting these companies from violating consumer protection laws and to order that they provide full restitution to the people they have harmed."

Koster also is asking that the court impose monetary penalties and require the companies to pay all court costs.

http://ago.mo.gov/newsreleases/2009/Fradulent ... am_gets_busted/

Media, Pennsylvania, January 4, 2010 - A New Jersey woman hired the Law Office of Dimitrios Kolovos, LLC to file a lawsuit against the debt collector Portfolio Recovery Associates LLC for allegedly violating the Fair Debt Collection Practices Act (FDCPA), the N.J. Identity Theft Prevention Act (ITPA), and for publishing private facts about her. Both The FDCPA and the ITPA are powerful consumer rights statutes regulating the conduct of consumer debt collectors. The Consumer filed her lawsuit in the United States District Court for the District of New Jersey located in Trenton, New Jersey and demanded that judgment be entered against the Defendants for her statutory damages, actual damages, attorney’s fees, and the costs of her litigation.

The Complaint alleges that Portfolio Recovery Associates LLC (a junk debt buyer of old, defaulted debts) unlawfully employed its debt collection agent, Apothaker & Associates, P.C. of Mt. Laurel, New Jersey to file a state-court lawsuit on time-barred, consumer debt. Her Complaint also alleges that Portfolio Recovery Associates LLC disclosed Plaintiff’s private information including her date of birth and social security numbers to the World. “A debt collector is forbidden to file a lawsuit on time-barred, consumer debt,” her attorney Joseph A. Mullaney, III said. “To do so is an unfair debt collection practice and violates the FDCPA,” he continued. What makes the Complaint of particular concern to the public is that it attempts to enforce the ITPA against a debt collector who publishes a consumer’s social security number in the public record. “My client is exposed to identity theft and other unauthorized use of her identity information because Portfolio Recovery Associates LLC disclosed her social security number for anyone to see,” her lawyer continued. “She is afraid someone will steal her identity,” Mullaney finished. The Complaint also seeks punitive damages against Portfolio Recovery Associates LLC for allegedly disclosing the Consumer's private and confidential information without authorization.

http://fdcpalaw.blogspot.com/2010/01/consumer-sues-portfolio-recovery.html



January 25, 2010  
Austin Sloan v. Portfolio Recovery Associates  IL Northern  Bucklo  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Ethel Austin Sloan, Ethel Austin Sloan Defendant: Portfolio Recovery Associates
 
Knuckles v. Portfolio Recovery Associates, LLC  MI Eastern  Cohn  Other (480)  Fair Debt Collection Act  
Plaintiff: Glenda Knuckles Defendant: Portfolio Recovery Associates, LLC
 
UNITED STATES OF AMERICA v. Fitch et al  ID  Winmill  Taxes (US Plaintiff or Defendant)  IRS: Tax Liability  
Plaintiff: UNITED STATES OF AMERICA Defendant: Michael J. Fitch, Kathleen Fitch, Portfolio Recovery Associates LLC, NCO Systems Inc., Bank of America

January 21, 2010  
Maday et al v. Portfolio Recovery Associates, LLC  NY Western  Arcara  Consumer Credit  Fair Debt Collection Act  
Plaintiff: John Maday, John Maday, Jean Marie Maday, Jean Marie Maday Defendant: Portfolio Recovery Associates, LLC
 
January 20, 2010  
Huffman v. Portfolio Recovery Associates, LLC  OH Northern  Carr  Consumer Credit  Fair Debt Collection Act  
Plaintiff: John L Huffman Defendant: Portfolio Recovery Associates, LLC
 
January 19, 2010  
DAVIS v. PORTFOLIO RECOVERY ASSOCIATES, LLC  IN Southern  McKinney  Consumer Credit  Federal Question  

January 14, 2010  
Creech v. Portfolio Recovery Associates L.L.C.  NC Eastern  Dever  Consumer Credit  Fair Debt Collection Act  
Plaintiff: David Creech Defendant: Portfolio Recovery Associates L.L.C.
 
Morrow v. Portfolio Recovery Associates  AL Northern  Coogler  Other Statutory Actions  Fair Debt Collection Act  
Plaintiff: Wanda Morrow, Wanda Morrow, Wanda Morrow Defendant: Portfolio Recovery Associates
 
Smith v. Portfolio Recovery Associates  AL Northern  Coogler  Other Statutory Actions  Fair Debt Collection Act  
Plaintiff: Elizabeth Smith, Elizabeth Smith, Elizabeth Smith Defendant: Portfolio Recovery Associates
 
January 12, 2010  
Scott v. Portfolio Recovery Associates, LLC  IL Southern  Herndon  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Richard Scott Defendant: Portfolio Recovery Associates, LLC
 
Vero v. Portfolio Recovery Associates, LLC  CO  Matsch  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Karen Vero Defendant: Portfolio Recovery Associates, LLC
 
January 7, 2010  
Welch v. Portfolio Recovery Associates, LLC  CO  Matsch  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Victoria Welch Defendant: Portfolio Recovery Associates, LLC
 
January 4, 2010  
LEICHLITER v. PORTFOLIO RECOVERY ASSOCIATES LLC et al  NJ  Cooper  Consumer Credit  Fair Debt Collection Act  
Plaintiff: LISA A. LEICHLITER Defendant: PORTFOLIO RECOVERY ASSOCIATES LLC, XYZ ENTITIES I-X, JOHN DOES I-X
 
December 31, 2009  
Fitzgerald v. Portfolio Recovery Associates, LLC  IL Northern  Shadur  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Marilyn Fitzgerald Defendant: Portfolio Recovery Associates, LLC
 
December 29, 2009  
McDoniel v. Portfolio Recovery Associates, Inc.  IL Northern  Lefkow  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Sandy McDoniel, Sandy McDoniel Defendant: Portfolio Recovery Associates, Inc.
 
December 28, 2009  
Milligan v. Portfolio Recovery Associates, LLC  NY Western  Arcara  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Carol L. Milligan, Carol L. Milligan Defendant: Portfolio Recovery Associates, LLC
 
v. Portfolio Recovery Associates, LLC  FL Northern  MICKLE  Other Statutory Actions  Fed. Question  
Defendant: Portfolio Recovery Associates, LLC, Charles Litchfield
 
December 23, 2009  
Capo v. Portfolio Recovery Associates, Inc.  FL Middle  Corrigan  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Charles Capo Defendant: Portfolio Recovery Associates, Inc.
 
December 22, 2009  
Foley v. Portfolio Recovery Associates, LLC  PA Middle  Unassigned1  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Donald Foley Defendant: Portfolio Recovery Associates, LLC, Does 1-10
 
December 18, 2009  
Jardim v. Portfolio Recovery Associates, LLC  CA Eastern   Consumer Credit  Fair Debt Collection Act  
Plaintiff: Franklin Jardim Defendant: Portfolio Recovery Associates, LLC
 
Jardim v. Portfolio Recovery Associates, LLC  CA Eastern  Mendez  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Franklin Jardim Defendant: Portfolio Recovery Associates, LLC
 
Magri v. Portfolio Recovery Associates, Inc.  FL Southern  Hurley  Consumer Credit  Federal Question  
Plaintiff: Anthony Magri Defendant: Portfolio Recovery Associates, Inc., Portfolio Recovery Associates, Inc.
 
December 17, 2009  
David Lawrence v. Portfolio Recovery Associates, LLC  CA Central  Walter  Other  
Gomez v. Portfolio Recovery Associates, LLC  CO  Babcock  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Macario Gomez Defendant: Portfolio Recovery Associates, LLC
 
McCray v. Portfolio Recovery Associates, LLC  MD  Titus  Other Statutory Actions  Fair Debt Collection Act  
Plaintiff: Lois McCray Defendant: Portfolio Recovery Associates, LLC
 
Sceszol v. Portfolio Recovery Associates, LLC  MO Eastern  Jackson  Other Statutory Actions  Fair Debt Collection Act  
Plaintiff: Lawrence Sceszol Defendant: Portfolio Recovery Associates, LLC
 
ZUCKER v. PORTFOLIO RECOVERY ASSOCIATES, INC.  PA Eastern  ROBRENO  Other Statutory Actions  Fair Debt Collection Act  
Plaintiff: TINA ZUCKER Defendant: PORTFOLIO RECOVERY ASSOCIATES, INC.
 
December 16, 2009  
Gregor v. Portfolio Recovery Associates, LLC  CO  Blackburn  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Albert Gregor Defendant: Portfolio Recovery Associates, LLC
 
December 11, 2009  
Carson v. Portfolio Recovery Associates, L.L.C.  MI Western  Neff  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Meredith Carson Defendant: Portfolio Recovery Associates, L.L.C.
 
Engle v. Portfolio Recovery Associates, LLC  AZ  Voss  Consumer Credit  Federal Question  

December 10, 2009  
Crain v. Credit Protection Association et al  TX Northern  Fitzwater  Consumer Credit  Fed. Question  
Plaintiff: DeTorei J. Crain Defendant: Credit Protection Association, Genesis Financial Solutions, Jefferson Capital System, Asset Acceptance LLC, Midland Credit Management Inc. and others...
 
December 8, 2009  
Hernandez v. Portfolio Recovery Associates, LLC et al  TN Eastern  Greer  Other Statutory Actions  Fair Debt Collection Act  
Plaintiff: Clark R Hernandez Defendant: Portfolio Recovery Associates, LLC, Amy Nickens
 
Washer & Refrigeration Supply Co., Inc. et al v. PRA Government Services, LLC et al  AL Middle  Watkins  Other Contract  Declaratory Judgement  
Plaintiff: Washer & Refrigeration Supply Co., Inc., Washer & Refrigeration Supply Co., Inc., Washer & Refrigeration Supply Co., Inc., David L. Smith, David L. Smith and others... Defendant: PRA Government Services, LLC, PRA Government Services, LLC, PRA Government Services, LLC, Portfolio Recovery Associates, Inc., Portfolio Recovery Associates, Inc. and others...
 
December 7, 2009  
Hale et al v. Portfolio Recovery Associates, LLC  IL Northern  St. Eve  Other Statutory Actions  Fair Debt Collection Act  
Plaintiff: Katherine Hale, Douglas Glazebrook Defendant: Portfolio Recovery Associates, LLC
 
November 30, 2009  
Meeks v. Portfolio Recovery Associates, LLC  OH Northern  Zouhary  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Sandra Meeks Defendant: Portfolio Recovery Associates, LLC
 
Vanderjagt v. Portfolio Recovery Associates, L.L.C.  MI Western  Neff  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Matthew Vanderjagt Defendant: Portfolio Recovery Associates, L.L.C.
 
November 27, 2009  
Cole v. PORTFOLIO RECOVERY ASSOCIATES, L.L.C. et al  PA Eastern  DALZELL  Consumer Credit  Fair Debt Collection Act  
Plaintiff: DORIS E. COLE Defendant: PORTFOLIO RECOVERY ASSOCIATES, L.L.C., DOES 1-10
 
November 25, 2009  
Croftcheck v. Portfolio Recovery Associates  PA Middle  Jones  Other Statutory Actions  Fair Debt Collection Act  
Plaintiff: Jennifer Croftcheck Defendant: Portfolio Recovery Associates
 
November 23, 2009  
GODFREY v. Portfolio Recovery Associates L.L.C.  NC Eastern  Dever  Consumer Credit  Fair Debt Collection Act  
Plaintiff: TRACY L. GODFREY, II Defendant: Portfolio Recovery Associates L.L.C.
 
November 20, 2009  
VINSON v. PORTFOLIO RECOVERY ASSOCIATES, LLC et al  PA Eastern  BUCKWALTER  Consumer Credit  Fair Debt Collection Act  
Plaintiff: KENNETH E. VINSON Defendant: PORTFOLIO RECOVERY ASSOCIATES, LLC, CARRIE A. BROWN  

November 17, 2009  
Anna Scheurn v. Portfolio Recovery Associates, LLC  CA Central  Wu  Other  

November 16, 2009  
Lockhart v. Portfolio Recovery Associates, LLC et al  MS Southern  Wingate  Other Fraud  Notice of Removal  
Plaintiff: William Lockhart Defendant: Portfolio Recovery Associates, LLC, Portfolio Recovery Associates, LLC, Capital One Auto Finance, Inc.
 
November 13, 2009  
Latty v. Portfolio Recovery Associates, Inc.  MO Western  Larsen  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Maime Latty Defendant: Portfolio Recovery Associates, Inc.
 
November 10, 2009  
Latty v. Portfolio Recovery Associates, Inc  MO Western  Knox  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Billy Lloyd Latty Defendant: Portfolio Recovery Associates, Inc

November 9, 2009  
Dossett v. Portfolio Recovery Associates LLC  MO Western  Smith  Other Statutory Actions  Fair Debt Collection Act  
Plaintiff: Craig Dossett Defendant: Portfolio Recovery Associates LLC
 
Espinoza v. Portfolio Recovery Associates LLC  CA Southern  Sammartino  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Eric Espinoza Defendant: Portfolio Recovery Associates LLC
 
November 6, 2009  
Campbell v. Americredit et al  GA Northern  Vining  Other (480)  Fair Credit Reporting Act  
Plaintiff: Barton A. Campbell Defendant: Americredit, Portfolio Recovery Associates, Equifax Information Services, LLC, Experian Information Solutions, Inc., Trans Union, LLC
 
KERR v. PORTFOLIO RECOVERY ASSOCIATES, LLC.  NJ  Wolfson  Other Statutory Actions  Fair Debt Collection Act  
Plaintiff: DELROY KERR Defendant: PORTFOLIO RECOVERY ASSOCIATES, LLC.
 
Watson v. Portfolio Recovery Associates, LLC  OH Northern  Gwin  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Jodi Watson Defendant: Portfolio Recovery Associates, LLC
 
November 5, 2009  
DeCosta v. Portfolio Recovery Associates, LLC  IL Northern  Bucklo  Other Statutory Actions  Fair Debt Collection Act  
Plaintiff: Deolinda DeCosta, Deolinda DeCosta Defendant: Portfolio Recovery Associates, LLC
 
October 22, 2009  
KITTRELL v. PORTFOLIO RECOVERY ASSOCIATES LLC  PA Eastern  LUDWIG  Consumer Credit  Electronic Funds Transfer Act  
Plaintiff: GERALDINE KITTRELL Defendant: PORTFOLIO RECOVERY ASSOCIATES LLC
 
October 21, 2009  
Alexander v. Portfolio Recovery Associates, Inc.  NC Eastern  Flanagan  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Angel Alexander Defendant: Portfolio Recovery Associates, Inc.
 
October 16, 2009  
Alvarez v. Portfolio Recovery Associates, LLC  PA Middle  Caputo  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Kelly Alvarez Defendant: Portfolio Recovery Associates, LLC
 
Ford v. Portfolio Recovery Associates, Inc.  OH Southern  Rice  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Antonio Ford Defendant: Portfolio Recovery Associates, Inc.
 
October 13, 2009  
Mary Davis v. Portfolio Recovery Associates, LLC  CA Central  Gutierrez  Other  Fair Debt Collection Act  
Tucker v. Portfolio Recovery Associates  FL Middle  Melton  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Robert Tucker Defendant: Portfolio Recovery Associates
 
October 12, 2009  
Jeffryes v. Portfolio Recovery Associates, Inc  WA Western  Jones  Other Statutory Actions  Fair Debt Collection Act  
Plaintiff: Bunny Jeffryes Defendant: Portfolio Recovery Associates, Inc
 
October 9, 2009  
Gallagher v. Experian Information Solutions, Inc. et al  VA Eastern  Hudson  Consumer Credit  Fair Credit Reporting Act  
Plaintiff: Terry Ann Gallagher, Terry Ann Gallagher, Terry Ann Gallagher, Terry Ann Gallagher Defendant: Experian Information Solutions, Inc., Transunion, LLC., Portfolio Recovery Associates, LLC.
 
Phuntsok v. CSC Credit Services, Inc. et al  MN  Tunheim  Other (480)  Fair Credit Reporting Act  
Plaintiff: Sonam D. Phuntsok Defendant: CSC Credit Services, Inc., CSC Credit Services, Inc., CSC Credit Services, Inc., CSC Credit Services, Inc., Equifax Information Services, LLC and others...
 
October 7, 2009  
Cutshaver v. Portfolio Recovery Associates, LLC  TX Southern  Hughes  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Rhett J. Cutshaver Defendant: Portfolio Recovery Associates, LLC
 
October 6, 2009  
Quazilbash v. Wells Fargo & Company et al  OK Northern  Eagan  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Haider Quazilbash, Haider Quazilbash Defendant: Wells Fargo & Company, BankAmerica Corporation, Pinnacle Financial Group, Inc., Creditors Financial Group, LLC, Portfolio Recovery Associates, LLC and others...
 
Ritter v. Equifax Information Services et al  UT  Campbell  Consumer Credit  Notice of Removal - Fair Credit Reporting  
Plaintiff: Audrie Stanley Ritter Defendant: Equifax Information Services, Experian Information Solutions, Transunion Settlement Solutions, Diversified Adjustment Services, Portfolio Recovery Associates
 
October 5, 2009  
MCMANUS v. PORTFOLIO RECOVERY ASSOCIATES, L.L.C.  NJ  Chesler  Consumer Credit  Fair Debt Collection Act  
Plaintiff: PATRICK MCMANUS Defendant: PORTFOLIO RECOVERY ASSOCIATES, L.L.C.
 
ONEILL v. PORTFOLIO RECOVERY ASSOCIATES, L.L.C.  NJ  Linares  Consumer Credit  Fair Debt Collection Act  
Plaintiff: RAYMOND CHRISTO ONEILL Defendant: PORTFOLIO RECOVERY ASSOCIATES, L.L.C.
 
Thomas v. Portfolio Recovery Associates, LLC.  FL Southern  Dimitrouleas  Other Statutory Actions  Fair Debt Collection Act  
Plaintiff: Kenyatta L. Thomas Defendant: Portfolio Recovery Associates, LLC.
 
October 2, 2009  
Finkelstein v. Portfolio Recovery Associates, LLC  CA Eastern  O'Neill  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Richard Finkelstein Defendant: Portfolio Recovery Associates
 
Koster v. Portfolio Recovery Associates, LLC et al  MO Eastern  Shaw  Consumer Credit  Diversity-Petition for Removal  
Plaintiff: Chris Koster Defendant: Portfolio Recovery Associates, LLC, Portfolio Recovery Associates, Inc.
 
October 1, 2009  
Friedman v. Portfolio Recovery Associates, LLC  CA Eastern  Mendez  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Marilyn Friedman Defendant: Portfolio Recovery Associates, LLC
 
Friedman v. Portfolio Recovery Associates, LLC  CA Eastern   Consumer Credit  Fair Debt Collection Act  
Plaintiff: Marilyn Friedman Defendant: Portfolio Recovery Associates, LLC
 
September 30, 2009  
Collins v. Portfolio Recovery Associates, LLC et al  TN Eastern  Phillips  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Leroy Collins Defendant: Portfolio Recovery Associates, LLC, Metris Companies, Inc
 
September 29, 2009  
Ewen v. Portfolio Recovery Associates, LLC  MI Eastern  Edmunds  Other (480)  Fair Debt Collection Act  
Plaintiff: Bruce Ewen Defendant: Portfolio Recovery Associates, LLC
 
September 28, 2009  
Abanavas v. Portfolio Recovery Associates, Inc.  MA  Young  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Brenda Abanavas Defendant: Portfolio Recovery Associates, Inc.
 
September 24, 2009  
Gandenberger v. Portfolio Recovery Associates, LLC  CO  Blackburn  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Norma Gandenberger Defendant: Portfolio Recovery Associates, LLC
 
September 23, 2009  
DAVIS v. PORTFOLIO RECOVERY ASSOCIATES, LLC  IN Southern  Young  Consumer Credit  Fair Debt Collection Act  
Plaintiff: JAY DAVIS Defendant: PORTFOLIO RECOVERY ASSOCIATES, LLC
 
Jason v. Portfolio Recovery Associates, LLC  NY Western  Arcara  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Gary Jason Defendant: Portfolio Recovery Associates, LLC
 
Portfolio Recovery Associates LLC v. Barkwell  GA Middle  Land  Other Fraud  Diversity-Fraud  
Plaintiff: Portfolio Recovery Associates LLC Defendant: Eric Barkwell Counter Claimant: Eric Barkwell Counter Defendant: Portfolio Recovery Associates LLC, MBNA America Bank NA, National Arbitration Forum Inc, National Arbitration Forum Inc
 
September 22, 2009  
Kahmeyer v. Portfolio Recovery Associates, LLC  FL Middle  Moody  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Kevin Kahmeyer Defendant: Portfolio Recovery Associates, LLC, Portfolio Recovery Associates, LLC, Portfolio Recovery Associates, LLC
 
September 21, 2009  
Eric McKain v. Portfolio Recovery Associates LLC et al  CA Central  Hillman  Other  Fair Debt Collection Act  
Liben v. Portfolio Recovery Associates Inc  CA Northern  Fogel  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Workineh Liben Defendant: Portfolio Recovery Associates Inc
 
Ramirez v. Portfolio Recovery Associates, LLC  FL Southern  King  Consumer Credit  Fair Debt Collection Act  
Plaintiff: Maria Ramirez Defendant: Portfolio Recovery Associates, LLC

http://dockets.justia.com/search.py?query=por ... yes#resultslist

It's not if you admit to owing money, it is if you make a payment on the debt. If you pay on the debt it starts the statute of limitations over.

Found this on a different website.  PORTFOLIO will file fraudulent 1099-c forms with the IRS when they scam debt collectors cannot collect the bogus debts they purchased for pennies.  Well the PRESS is ONTO this scam of theirs and some other collection agencies and is looking for YOUR STORY

1099 C Debt Collectors and the IRS
« on: January 22, 2010, 10:25:43 am »


We have a reporter for a national news outlet desiring to do the 1099C story.  

Specifically, they would like to talk to consumers who have been contacted by a debt collector who has  inappropriately used these 1099-C forms?  Your willingness to talk "on the record" will go a long way to help expose the errors of these bogus claims.

We believe Portfolio Recovery Associates in Virginia to be one of the biggest abusers of the 1099C, we suspect they will play a large part in the story.  If PRA has issued you a 1099C on an old (or even current debt) we'd like to pass your contact information to the reporter.

Email us at admin@collectorsexposed.com and place 1099 C Report in the subject line. Let us know if you would be willing to go on record with your story.  If not, we want to hear your story anyway.

They are also asking for anyone who has sued to push back on a collector for using
this 1099-C inappropriately?



IF YOU HAVE RECEIVED A 1099-C INCOME FORM FROM A DEBT COLLECTOR - DO THIS NOW PLEASE!

There are laws - but it means that you have do SOMETHING yourself

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY – use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE’S CRACKING DOWN AND SHUTTING THEM DOWN!

Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies – report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/start.html


Statute of Limitations by State – always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website – FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you’re behind in paying your bills, or a creditor’s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation’s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn’t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they’re told (orally or in writing) that you’re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter – even if you don’t think you owe the debt, can’t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don’t want the collector to contact you again, tell the collector – in writing – to stop contacting you. Here’s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a “return receipt” so you’ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don’t have an attorney, a collector may contact other people – but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written “validation notice” telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don’t think you owe the money.

Can a debt collector keep contacting me if I don’t think I owe any money?
If you send the debt collector a letter stating that you don’t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren’t; or
    indicate that papers they send to you aren’t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don’t pay your debt;
    they’ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don’t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn’t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt – or your state law – allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don’t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don’t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don’t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans’ Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members’ Pay
    Military Annuities and Survivors’ Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen’s and Harbor Workers’ Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can’t prove that you suffered actual damages. You also can be reimbursed for your attorney’s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector’s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General’s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General’s office can help you determine your rights under your state’s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government’s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

Whoever it is called at 8:30am and did not even leave a message.

Thought by Federal Law telemarketers couldn't call before 9am.

« on: January 22, 2010, 10:25:43 am »


We have a reporter for a national news outlet desiring to do the 1099C story.  

Specifically, they would like to talk to consumers who have been contacted by a debt collector who has  inappropriately used these 1099-C forms?  Your willingness to talk "on the record" will go a long way to help expose the errors of these bogus claims.

We believe Portfolio Recovery Associates in Virginia to be one of the biggest abusers of the 1099C, we suspect they will play a large part in the story.  If PRA has issued you a 1099C on an old (or even current debt) we'd like to pass your contact information to the reporter.

Email us at admin@collectorsexposed.com and place 1099 C Report in the subject line. Let us know if you would be willing to go on record with your story.  If not, we want to hear your story anyway.

They are also asking for anyone who has sued to push back on a collector for using
this 1099-C inappropriately?

« on: January 22, 2010, 10:25:43 am »


We have a reporter for a national news outlet desiring to do the 1099C story.  

Specifically, they would like to talk to consumers who have been contacted by a debt collector who has  inappropriately used these 1099-C forms?  Your willingness to talk "on the record" will go a long way to help expose the errors of these bogus claims.

We believe Portfolio Recovery Associates in Virginia to be one of the biggest abusers of the 1099C, we suspect they will play a large part in the story.  If PRA has issued you a 1099C on an old (or even current debt) we'd like to pass your contact information to the reporter.

Email us at admin@collectorsexposed.com and place 1099 C Report in the subject line. Let us know if you would be willing to go on record with your story.  If not, we want to hear your story anyway.

They are also asking for anyone who has sued to push back on a collector for using
this 1099-C inappropriately?

« on: January 22, 2010, 10:25:43 am »


We have a reporter for a national news outlet desiring to do the 1099C story.  

Specifically, they would like to talk to consumers who have been contacted by a debt collector who has  inappropriately used these 1099-C forms?  Your willingness to talk "on the record" will go a long way to help expose the errors of these bogus claims.

We believe Portfolio Recovery Associates in Virginia to be one of the biggest abusers of the 1099C, we suspect they will play a large part in the story.  If PRA has issued you a 1099C on an old (or even current debt) we'd like to pass your contact information to the reporter.

Email us at admin@collectorsexposed.com and place 1099 C Report in the subject line. Let us know if you would be willing to go on record with your story.  If not, we want to hear your story anyway.

They are also asking for anyone who has sued to push back on a collector for using
this 1099-C inappropriately?

« on: January 22, 2010, 10:25:43 am »


We have a reporter for a national news outlet desiring to do the 1099C story.  

Specifically, they would like to talk to consumers who have been contacted by a debt collector who has  inappropriately used these 1099-C forms?  Your willingness to talk "on the record" will go a long way to help expose the errors of these bogus claims.

We believe Portfolio Recovery Associates in Virginia to be one of the biggest abusers of the 1099C, we suspect they will play a large part in the story.  If PRA has issued you a 1099C on an old (or even current debt) we'd like to pass your contact information to the reporter.

Email us at admin@collectorsexposed.com and place 1099 C Report in the subject line. Let us know if you would be willing to go on record with your story.  If not, we want to hear your story anyway.

They are also asking for anyone who has sued to push back on a collector for using
this 1099-C inappropriately?