Central Portfolio Control Inc – need info about this collection agency

consumers have rights under FTC. This company violates those rights. I have made a complaint with the FTC and recommend every one read the fair dept collection practices act to know there rights. see this video from the FTC for more information. http://ftc.gov/multimedia/video/credit/debt/debt-collection_eileen.shtm

Laws are out there but most people don't know about them. Arm yourself with the law and put this company and others like them behind you like a bad dream.. Additionally you can fire dept collectors as you are under no legal act to deal with them. Also under the FDCPA there is a time frame in which anyone can collect a past dept, if you owe a dept be sure to check it's expire date. all this is in the FDCPA. Lastly I will tell you that no dept collector can threaten you. If they do, or if they refuse any partial payment, you are no longer obligated to pay the dept. This is the Law, not my opinion. Not to mention you can now sue and as long as you have proof, you will win.

I like recording my phone calls but be careful and check your state laws. Here in Texas so long as one party to the recording knows its recorded, your legal and do not have to tell the dept collector. On the other hand if you want them to hang up faster than you can... Tell them you are recording the call..

My daughter hasn't lived here for 20 years but apparently used my phone # for a credit ref or maybe it was here ex-husband. Anyway CPC kept calling. I never gave them any info. The calls kept coming.
So I bought a new phone with an answering system and set the phone to answer immediately. Now when they call, their call is answered by the recorded message which most of the time is a hangup.
Not much of a problem to me and the consolation is that each call they make costs them twenty cents or more. So not only will they never get paid on whatever they think my daughter owes them. They are spending a couple bucks or more each week trying to catch the balloon. Keep it up fellas I'm enjoying every bit of it.

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Congrats sir. You have won the award for douchebag of the year. You officially are a piece of shit. I hold people like you with less respect then even meter maids. That's right, janitors are royalty compared to you. Also, the definition of insanity is not actually doing the same thing over and over expecting different results. That's just something people like me have to teach wastes you wastes of space in jails, treatment centers, halfway houses, pedophile houses.... I'm not sure which one you are, but I'm glad to hear a bunch of drug addict misfits are responsible for handling other peoples money. I'm just hoping your not the last of the options I listed. Last thing we can handle is you raping not only our children but also our pocketbooks.

CPC Reps are the rudest, nastiest group of people. They threaten to get you fired, they threaten to call your boss, and constantly, constantly call your job!!! I am so frustrated with them that I cry every night. Obviosuly if I had the money I would pay it!

My husband left me with this loan and I have no way to pay it and these people wont even accept a payment plan.

The individual Wyatt who responded that he works for CPC is a prime example of the type of people that work there.

I AM FILING A COMPLAINT WITH THE FTC!!!!

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If you tell them not to call you at work, they are not allowed to call you at work. End of story. Document every single call to your workplace and file a complaint. They are breaking the law.

I rec a phone call on my cell phone today from CPC wanting to collect on a debt from 2/2008. He was very nice and explained my options of paying in full or they would sue. He said that in AR this would stay on my credit report for 10 yrs and they could get the money if I sold or refi my home or if I went to work for a company(I'm self employed) they could garnish my wages. I don't know how he got my cell phone number. He called my Xspouse (over 20 yrs divorced) who doesn't know how to reach me. He knew my daughter's married name. So I'm puzzled how he found out all this information...Kindda scary. I told him I wanted to research his company and make sure he is legitimate. I do owe a debt from over 2 yrs ago when I was out of work but do not have the money to pay in full. He had a copy of my credit report and knew how much I owed on my home. Please advise me on how to handle this situation. He asked me to call him back tomorrow with an offer to pay after I researched CPC online. Thanks for any help.

Has he sent you anything in the mail? If not, call him back and tell him he has 5 days to send you a dunning letter. Do not speak to him further, simply tell him you await the letter for the details of the debt as required by law.

Also check to see if this debt is listed on your credit report and who put it there.

Once you get the letter you send a debt validation letter back to them certified mail return receipt. In this letter you ask for proof the debt is yours and proof they are legally entitled to collect upon it. You will need to see an agreement/contract signed by you, the last statement that shows the final balance owed, a notice they are authorized to collect if they are collecting on behalf of someone else, or a bill of sale if they own the debt now.

Once they get that letter and if they are reporting to the credit report, you dispute the account with the reporting agencies. If the company verifies, they have violated your rights. They also may not continue to collect upon the debt until they validate the account.

If they call you, simply tell them you await validation as is your right. Don't let them talk at all, tell them that then hang up.

If they sue you while under a DV that is also considered continued collection activity and a further violation.

If they do send you the proper documentation, then you can send them a letter proposing a payment arrangement you can easily handle. If they turn it down, keep sending the offer ever couple months, certified mail. If they sue you, you can show these attempts to the judge.

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turn them into the better business bereau

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Yes I have. They took over an account I had with HSBC that went into collections while I was hospitalized for two months. Anyway Central portfolio is a nightmare. They have no boundries. If you are lucky they will yell at you, curse you, and even tell you they are not the ones in bebt you are and then threaten you with garnish wages wich they are too lazy to ever do. Just a scare tactic! Good luck and get a bible, you will need it when dealing with these devils!

The FDCPA and maybe even the laws in your state are there to protect you from illegal harassment. The best evidence of illegal harassment is a recording of the phone call. Record the calls if legal in your state because debt collectors will always lie and never admit to saying something that will get them in trouble. Then contact a consumer lawyer to help you sue the debt collection company and the collector.