Portfolio Recovery Associates

You may have a right to sue them for disclosing that information. Please, look into it and follow through... for the sake of the rest of us.

"leah" clearly posted here in 2011, which was 10 years ago.  I would bet $1,000 that she won't be back after all of that time.  I also know that any rights she had to sue them expired 9 years ago.  Guess you should handle you own affairs and sue them yourself?

I have no idea what this is for but they have taken over $30 in the last 2 days!!! 😠😠😠

You're replying to a post that's TEN YEARS OLD!

Besides that, how on Earth did they get your financial information that enabled them to take over $30?

} Consulted attorneys said: "Only way now to clean this out permanently was to do a chapter-7 bankruptcy; Yes, unfortunately this was cheapest courtroom way to take care of this

Your consulted attorneys lack imagination and heart. As you've found the hard way, BK filing and its ripple effects were not at all cheap for you, and of course did nothing to address the real problem. The PRA machine is driven by cultivated algorithms to capture assets in the most expedient manner possible. Their mass-filing lawyers don't care that their client's facts are wrong or implausible. Your average consumer "defenders" will meantime spend their whole careers cutting fast deals, either settling out or drafting bankruptcy papers. They're lost in the woods if you ask them to play offense for a change.

Settling debts you so obviously never incurred is too absurd even for them, yet they have you tank your own solvency. Cheap and fast for them, they way they like their cases. It's also tantamount to admitting that all those "bad penny" junk debt accounts might so slightly be your fault, ID theft history be damned. Meanwhile your learned counsel has been content to leave a big pile of FCRA and FDCPA claims out in the backyard to rot. The case focus should first be on the collectors' actual bad behavior, not the phantom impression that lenders can't trust you. Your cost of attack should run somewhere between nothing and a court filing fee. But as Henry Ford said, "opportunity is missed by most people because it's usually dressed in overalls and looks like work".

I have serious doubts that merely sending a whine letter to an address posted 10.5 years ago will yield anything close to what you seem to deserve for the years of hassle. You've even goofed up the names of the veep and the poster "Andrew Davis", who I think placed excess faith in 'squeaky wheeling'. Frankly I would resort to nag letters only if my legal claims had all gone hopelessly stale.

Speaking from experience here, a funny thing should happen after you quit playing the victim and soak a collector or two for several grand in settlement or damage awards. The next trashy types hesitate to collect, maybe stopping cold. Your own trail of destruction becomes a warning and deterrent to future gamblers, who recognize that you won't sit quietly for their "unreasonable basis" collection games.

If you respond to any calls (or letters, which Portfolio will never send but others might) they take that as your acceptance that you do owe the debt they are attempting to collect no matter how old it is or how far beyond the statute of limitations is might be.  How do I know this?  I actually received a letter in 2018 from a company trying to collect just over $100 from 1998 which had been paid.  They stated my acknowledgement of said letter would, in their minds, begin a new period of the statute of limitations.  I promptly fed the letter to my shredder and have never heard from then again.  Don't get mad, get a call blocker.  Nothing feels better than hitting the BLOCK button when they call.  You're welcome.

Quote:

They stated my acknowledgement of said letter would, in their minds, begin a new period of the statute of limitations.

Just because they said so, doesn't mean it is true. Scam outfits always lie to get a victim to pay. That is why it pays to learn about debt collection and your Rights, BEFORE engaging them.  They depend on people not knowing the Rules/Laws and take it a step further with intimidation, threats and harassments.

Anyway, you should stick to the Topic of this particular debt collection outfit for future discussions, as it in not a general debt collector thread.

I've records of the many times I have debunked a persistent myth that SoL will reset upon the utterance of "hello" or the writing of "dear sir" to a debt collector. It's as though alleged debtors have been trapped in a silent auction where scratching your nose means you're bidding your whole bank account.

My earliest known entry turns ten years old in a couple weeks, and I don't see much I would revise now:
Want to respond to a collector but afraid it will start the Statute of Limitations all over again

While the topic-straying Crone "promptly fed the letter to [his] shredder", mine would promptly visit my flatbed scanner for conversion to "Exhibit A". I'm fairly irritated by the general public perpetuating the hair trigger SoL myth, but I'd need to get paid by a collector doing the same.

They keep calling our office from random phone numbers, but can't seem to navigate our IVR. This is a sure sign it is a robo-call, and not an English-speaking person. Since our phone system also allows us to block by name, we'll see if they continue to call.