Skip to main content
index page

Portfolio Recovery Associates - Is it good at customer satisfaction?

Submitted by on Fri, 06/13/2008 - 18:07
Posts: 202330
Credits:
[Donate]

Hi everyone,

I was recently contacted by that wonderful company portfolio recovery associates.

They are collecting on a Washington Mutual Account. Their balance is about $1400 more than my last balance. According to my records the last payment I made was in October of 2005.

In response to my inquiry through the credit bureau, they sent me a letter stating that they had purchased the account in June of 2007.
I have not as yet sent them a debt validation request.
Some from PRA is calling me at least once a day.

What should I do next? How to stop portfolio recovery associates calls?
Trevor


I just sent them a letter to cease and stop calling me and writing me and even gave them an email. Thats been a month today and not a call at all. I told them I had my credit reports from 99 and its all good..they have left me alone so far..they are losers and bottom feeders..don't offer them money, payments or anything at all..and don't even agree you owe..they suck!! They need to go to hell...and I don't say things like that often.


Submitted by on Thu, 03/18/2010 - 23:50

( Posts: 202330 | Credits: )


PRA is doing great!!
Hello debtors! I am a senior collector at Portfolio Recovery Associates and can assure you that business is thriving! Feb 2010 was the biggest month in the history of the company and our shareholders are very satisfied with their earnings. J As of today, PRAA was up 0.72 and enjoys so much heavy trading volume that, despite the company having such small capitalization, is listed on the NASDAQ instead of the pink sheets.

We just secured a contract with the federal government to collect taxes! Uncle Sam loves us! Yep, the feds found us useful and will now be using us to collect back taxes too. Talk about job security! J

The lawsuits are a joke in comparison to our level of profitability!
Every major corporation has pending lawsuits and PRA is no different. It’s because many of our junior collectors are college kids that find it entertaining to belittle deadbeats who are a burden on our society by borrowing money and never repaying even though they agreed. Deadbeats cry and whine and claim FDCPA violation. (boohoo…pay your bills) We take pleasure in reminding you in every way that we can that deadbeats like yourself are the reason our country is in the mess that it’s in. You over-extended yourself and now, when it’s time to pay the piper, you duck and hide like scum. One word—loser.

I can assure you that no matter how much you try to duck and dodge your responsibilities we will find you and will follow you to the grave if we have to.
No body knows the FDCPA and it’s loopholes better than us and I assure you that you will never be rid of us until you suck it up and pay your bills like you should have in the first place, whether it’s past the SOL or not. One of my favorite calls is when someone changes their phone number and then our skip tracing efforts locates the new number on the first day the debtor has it. We will always have a number to call to find you whether it’s your home, POE, immediate family, in-laws, land-lord, ex-spouse, ex-employer, child-hood friend, or anyone who may or may not recognize your name if asked. If you are determined to avoid us, be ready for you and many of the other people you know to receive friendly contacts from us perpetually. That’s the beauty of 3rd party collections…we own the debt for good and don’t re-sell! When you die, we’ll call whoever inherits the debt until it’s paid and maybe even leave notes on your headstone to give us a call back whenever it’s convenient.

The SOL simply means we can’t sue you but you still legally owe the debt. If it’s assigned to your SSN than you’re done for unless it is disputed successfully.
Most consumer initiated disputes are unsuccessful so you’d better have a good story. If you don’t pay your debt than you better be ready for us to be a part of your life. If you don’t like the calls, send in a written C&D letter. We’ll just call someone who knows you. Maybe even your employer and we’ll ask them to write down our company name so they can give it to you.

Current Statute of Limitation laws are changing so get your legal council on speed dial!!!!
As our nation has experienced the negative impact of overextension of credit and the ramifications of tremendous amounts of charged off debt, the laws pertaining to credit enforcement are changing. Lawmakers have remained very quiet about this change but it’s coming about in phases. The first phase was the tightening of restrictions for filing bankruptcy. Look at the amount of bankruptcies being dismissed today compared to 2 years ago! It’s amazing! J The second phase was the increase in difficulty in securing credit and tightening it’s restrictions on to whom credit will be extended. Sub-prime lending is a thing of the past. The third phase, and my personal favorite, is the changes to SOL laws that are in the works. Right now, each state has different SOL laws and the federal government has allowed that particular issue to be handled at the state level. Now, there will be a federally-imposed uniformed SOL legislation that is vastly different and way more beneficial to me, Mr. Collector! If you are currently hiding under a SOL, be ready for it to disappear and to receive a legal demand notice in your mailbox. Our Thomas West offices and the other thousands of PRA credit/contractual law offices will be sending hundreds of thousands of demand letters in the up-coming future! The days of offering a SIF arrangement will be gone and payment in full will be expected. If you think I’m bluffing…that’s fine. Just don’t cry to us when this happens in the near future. Should’a paid your bills. If you have any questions, feel free to give me a call at 1-800-383-8013. I do need to advise you that this is an attempt to collect a debt by a debt collector and any information obtained may be used for that purpose. Also, your call may be monitored or recorded for quality assurance purposes.



Look at all the good news about PRA and getting deadbeats to pay!!

http://www.forbes.com/2005/12/07/portfolio-recovery-earnings-1207markets04.html

http://news.moneycentral.msn.com/provider/providerarticle.aspx?feed=MW&date=20100315&id=11248172

http://www.portfoliorecovery.com/pdf/PortfolioRecovery.pdf

http://www.mcclatchydc.com/2009/10/15/77253/one-industry-thats-booming-debt.html


Submitted by on Fri, 03/19/2010 - 19:40

( Posts: 202330 | Credits: )


It's funny how much of a moron you are, you want .25 cents for a nickle return can........can't get it dumb a$$.

I would love to give you a call and tell you how much of a moron you are as your scare tactics mean nothing, consumers are getting smarter, debt collectors are getting dumber.

Face it, your company deserves nothing, it's a little law called, volenti non fit injuria.....also another good one is unjust enrichment......If you buy a debt for $20 and then the creditor is out of the picture, you now collect the full amount plus interest, $3,000........wouldn't you say that's unjust enrichment? did anyone owe your company in the beginning??? NO so why are you entitled to it now??? Got a clue for you,,,your not.

Now lets say you purchased 2000 debts all time barred,,,,you can't sue on them, you can only try to collect, and if all 2000 people send a cease and desist, your crap out of luck...volenti non fit injuria.....you took a risk and it failed, no one told you to take that risk, you cannot sue for it, it is your fault because you knew full well the risks involved.....same goes for debts not time barred, you cannot sue because of the risk factors I stated.

So go sit back in your little office, look up dresses and just wait till your company fails and your out of a job as I along with everyone else will be laughing.


Submitted by pokertramp on Fri, 03/19/2010 - 20:50

pokertramp

( Posts: 512 | Credits: )


[QUOTE=Anonymous;669499]PRA is doing great!!
Hello debtors! I am a senior collector at Portfolio Recovery Associates and can assure you that business is thriving! Feb 2010 was the biggest month in the history of the company and our shareholders are very satisfied with their earnings. J As of today, PRAA was up 0.72 and enjoys so much heavy trading volume that, despite the company having such small capitalization, is listed on the NASDAQ instead of the pink sheets.

We just secured a contract with the federal government to collect taxes! Uncle Sam loves us! Yep, the feds found us useful and will now be using us to collect back taxes too. Talk about job security! J

The lawsuits are a joke in comparison to our level of profitability!
Every major corporation has pending lawsuits and PRA is no different. It???s because many of our junior collectors are college kids that find it entertaining to belittle deadbeats who are a burden on our society by borrowing money and never repaying even though they agreed. Deadbeats cry and whine and claim FDCPA violation. (boohoo???pay your bills) We take pleasure in reminding you in every way that we can that deadbeats like yourself are the reason our country is in the mess that it???s in. You over-extended yourself and now, when it???s time to pay the piper, you duck and hide like scum. One word???loser.

I can assure you that no matter how much you try to duck and dodge your responsibilities we will find you and will follow you to the grave if we have to.
No body knows the FDCPA and it???s loopholes better than us and I assure you that you will never be rid of us until you suck it up and pay your bills like you should have in the first place, whether it???s past the SOL or not. One of my favorite calls is when someone changes their phone number and then our skip tracing efforts locates the new number on the first day the debtor has it. We will always have a number to call to find you whether it???s your home, POE, immediate family, in-laws, land-lord, ex-spouse, ex-employer, child-hood friend, or anyone who may or may not recognize your name if asked. If you are determined to avoid us, be ready for you and many of the other people you know to receive friendly contacts from us perpetually. That???s the beauty of 3rd party collections???we own the debt for good and don???t re-sell! When you die, we???ll call whoever inherits the debt until it???s paid and maybe even leave notes on your headstone to give us a call back whenever it???s convenient.

The SOL simply means we can???t sue you but you still legally owe the debt. If it???s assigned to your SSN than you???re done for unless it is disputed successfully.
Most consumer initiated disputes are unsuccessful so you???d better have a good story. If you don???t pay your debt than you better be ready for us to be a part of your life. If you don???t like the calls, send in a written C&D letter. We???ll just call someone who knows you. Maybe even your employer and we???ll ask them to write down our company name so they can give it to you.

Current Statute of Limitation laws are changing so get your legal council on speed dial!!!!
As our nation has experienced the negative impact of overextension of credit and the ramifications of tremendous amounts of charged off debt, the laws pertaining to credit enforcement are changing. Lawmakers have remained very quiet about this change but it???s coming about in phases. The first phase was the tightening of restrictions for filing bankruptcy. Look at the amount of bankruptcies being dismissed today compared to 2 years ago! It???s amazing! J The second phase was the increase in difficulty in securing credit and tightening it???s restrictions on to whom credit will be extended. Sub-prime lending is a thing of the past. The third phase, and my personal favorite, is the changes to SOL laws that are in the works. Right now, each state has different SOL laws and the federal government has allowed that particular issue to be handled at the state level. Now, there will be a federally-imposed uniformed SOL legislation that is vastly different and way more beneficial to me, Mr. Collector! If you are currently hiding under a SOL, be ready for it to disappear and to receive a legal demand notice in your mailbox. Our Thomas West offices and the other thousands of PRA credit/contractual law offices will be sending hundreds of thousands of demand letters in the up-coming future! The days of offering a SIF arrangement will be gone and payment in full will be expected. If you think I???m bluffing???that???s fine. Just don???t cry to us when this happens in the near future. Should???a paid your bills. If you have any questions, feel free to give me a call atdeleted I do need to advise you that this is an attempt to collect a debt by a debt collector and any information obtained may be used for that purpose. Also, your call may be monitored or recorded for quality assurance purposes.



Look at all the good news about PRA and getting deadbeats to pay!!

http://www.forbes.com/2005/12/07/portfolio-recovery-earnings-1207markets04.html

http://news.moneycentral.msn.com/provider/providerarticle.aspx?feed=MW&date=20100315&id=11248172

http://www.portfoliorecovery.com/pdf/PortfolioRecovery.pdf

http://www.mcclatchydc.com/2009/10/15/77253/one-industry-thats-booming-debt.html[/QUOTE]

of course there is no actual evidence to support any of this.another humanoid waste who works for a complete bottomfeeder.actually let me pop the doofuses balloon.

1 forbes will publish anything especially if paid for by said party
2 same with msn.com.that's microsoft news dot com
3 the bottom two are run by portfolio recovery themselves
4 show me where the SOL is changing as it varies state to state
5 in reference to the SOL a complete blanket c&d ensures a lawsuit by the person your harrassing
6 i deleted your number crumb

just know that coming on this site we deal in facts not fantasy.


Submitted by paulmergel on Sat, 03/20/2010 - 18:17

paulmergel

( Posts: 15514 | Credits: )


Your past is about to catch up with you, boy. I told you 2 year ago I was going to get you criminally. "If you can't do the time, don't do the crime". You need to tell your stock holder you are bailing out of your own company. Whats wrong wimp, you scared. The Rattlesnake was here.


Submitted by on Thu, 03/25/2010 - 16:40

( Posts: 202330 | Credits: )


can Portfolio Recovery sue me twice for the same debt.It has been ten years,and yes this account is still open.How long will this stay on my credit report.


Submitted by on Wed, 03/31/2010 - 18:38

( Posts: 202330 | Credits: )


[QUOTE=Anonymous;669499]PRA is doing great!!
Hello debtors! I am a senior collector at Portfolio Recovery Associates and can assure you that business is thriving! Feb 2010 was the biggest month in the history of the company and our shareholders are very satisfied with their earnings. J As of today, PRAA was up 0.72 and enjoys so much heavy trading volume that, despite the company having such small capitalization, is listed on the NASDAQ instead of the pink sheets.
We just secured a contract with the federal government to collect taxes! Uncle Sam loves us! Yep, the feds found us useful and will now be using us to collect back taxes too. Talk about job security! J
The lawsuits are a joke in comparison to our level of profitability!
Every major corporation has pending lawsuits and PRA is no different. It???s because many of our junior collectors are college kids that find it entertaining to belittle deadbeats who are a burden on our society by borrowing money and never repaying even though they agreed. Deadbeats cry and whine and claim FDCPA violation. (boohoo???pay your bills) We take pleasure in reminding you in every way that we can that deadbeats like yourself are the reason our country is in the mess that it???s in. You over-extended yourself and now, when it???s time to pay the piper, you duck and hide like scum. One word???loser.
I can assure you that no matter how much you try to duck and dodge your responsibilities we will find you and will follow you to the grave if we have to.
No body knows the FDCPA and it???s loopholes better than us and I assure you that you will never be rid of us until you suck it up and pay your bills like you should have in the first place, whether it???s past the SOL or not. One of my favorite calls is when someone changes their phone number and then our skip tracing efforts locates the new number on the first day the debtor has it. We will always have a number to call to find you whether it???s your home, POE, immediate family, in-laws, land-lord, ex-spouse, ex-employer, child-hood friend, or anyone who may or may not recognize your name if asked. If you are determined to avoid us, be ready for you and many of the other people you know to receive friendly contacts from us perpetually. That???s the beauty of 3rd party collections???we own the debt for good and don???t re-sell! When you die, we???ll call whoever inherits the debt until it???s paid and maybe even leave notes on your headstone to give us a call back whenever it???s convenient.
The SOL simply means we can???t sue you but you still legally owe the debt. If it???s assigned to your SSN than you???re done for unless it is disputed successfully.
Most consumer initiated disputes are unsuccessful so you???d better have a good story. If you don???t pay your debt than you better be ready for us to be a part of your life. If you don???t like the calls, send in a written C&D letter. We???ll just call someone who knows you. Maybe even your employer and we???ll ask them to write down our company name so they can give it to you.
Current Statute of Limitation laws are changing so get your legal council on speed dial!!!!
As our nation has experienced the negative impact of overextension of credit and the ramifications of tremendous amounts of charged off debt, the laws pertaining to credit enforcement are changing. Lawmakers have remained very quiet about this change but it???s coming about in phases. The first phase was the tightening of restrictions for filing bankruptcy. Look at the amount of bankruptcies being dismissed today compared to 2 years ago! It???s amazing! J The second phase was the increase in difficulty in securing credit and tightening it???s restrictions on to whom credit will be extended. Sub-prime lending is a thing of the past. The third phase, and my personal favorite, is the changes to SOL laws that are in the works. Right now, each state has different SOL laws and the federal government has allowed that particular issue to be handled at the state level. Now, there will be a federally-imposed uniformed SOL legislation that is vastly different and way more beneficial to me, Mr. Collector! If you are currently hiding under a SOL, be ready for it to disappear and to receive a legal demand notice in your mailbox. Our Thomas West offices and the other thousands of PRA credit/contractual law offices will be sending hundreds of thousands of demand letters in the up-coming future! The days of offering a SIF arrangement will be gone and payment in full will be expected. If you think I???m bluffing???that???s fine. Just don???t cry to us when this happens in the near future. Should???a paid your bills. If you have any questions, feel free to give me a call at 1-800-383-8013. I do need to advise you that this is an attempt to collect a debt by a debt collector and any information obtained may be used for that purpose. Also, your call may be monitored or recorded for quality assurance purposes.
Look at all the good news about PRA and getting deadbeats to pay!!
http://www.forbes.com/2005/12/07/portfolio-recovery-earnings-1207markets04.html
http://news.moneycentral.msn.com/provider/providerarticle.aspx?feed=MW&date=20100315&id=11248172
http://www.portfoliorecovery.com/pdf/PortfolioRecovery.pdf
http://www.mcclatchydc.com/2009/10/15/77253/one-industry-thats-booming-debt.html[/QUOTE]


Dear Sr. Collector,

What type of college degree is required to obtain the almighty status of "Sr. Collector"? Anyway, I'm happy to see you've pushed your way to the top and finally surpassed the "Standard or Jr. Collector" $6.00 per hour wage. Your family must be very proud watching you thrive working in your ever so sought after position. G.E.D. in one hand phone in the other you're a true professional now.
Truth is dude you're in a dead end job, Senior Collector is probably where you've hit your salary cap with PRA where you'll spend the next 5-7 years hoping to get a raise which will never happen, realizing you live a sorry and sad life you'll go looking for a real job that requires a real degree in something other than empty threats and pasting old magazine links in hopes to scare the meek out of money they don't owe. You'll find that being a Senior Collector doesn't really hold much merit on a resume as it's not really considered a job title and you'll be back to square one (Jr. Collector) at another collections firm.

The bottom line here really comes down to you being a douche. Go back to the Job fair and find yourself a job thats moderately respectable.

Sincerely
Mr. Butterknuckles
Sr,Executive, VP of C-level Tactical, Management


Submitted by on Thu, 04/01/2010 - 14:05

( Posts: 202330 | Credits: )


Depending on the state you live in you can tell them to go scratch. Ask for info on the debt is mandatory. Here in Texas we tell em to scratch. Nothing they can do. Texas is great for this kind of stuff. They will drag up old old discharged debts and try to collect. It's illegal. Tell them you are asking them to officially stop and they have to. tell the idiot on the other end of the phone you will lose your job and you will sue them for harassment. Nothing they can do once you tell em to stop. I had these morons trying to collect from the wrong person. Once I turned the AG's office on to them gee the calls stopped and I was sending e-mail's to the VP of the company ccLing the AG in Texas. Nothing scares those skumbags more than a consumer with a BRAIN. Check your state laws if it's an old debt tell em to stop tell the moron you are taping their calls, you have caller i.d. and every time they call that will be another dollar in your pocket for the judgement against them and they will lose their jobs. Collection agencies have a business yes but to be out and out assholes no. Tell em they are NOT going to get their 45% of the debt. That really pisses em off. If you send a letter or e-mail make sure you list all the sub corps they have and state that you will not discuss with any and all of their partners, LLC's, sub corps anyone representing them that way they have to sell the info to someone new. Good luck with that one Sparkey. I LOVE love love jacking with them. It's sport. They do NOT know Texas law and I use that against them. Nanny nanny pooh pooh. can't garnish wages, no lein on the house can't take the car so the consumer finally gets revenge on these non law abiding skumbags.


Submitted by on Mon, 04/12/2010 - 14:09

( Posts: 202330 | Credits: )


So what exatly is a debt validation letter and what am I supposed to inclued in it? I am dealing with this company now also but i don't know where to start. Is there a form I fill out and send in or do I write something on my own? Any help will be helpful. Thanks in advance!


Submitted by on Tue, 04/13/2010 - 08:54

( Posts: 202330 | Credits: )


This sounds almost exactly like the jerk I talked to this morning who was trying to strong arm me into paying a debt for my husband who is currently deployed over seas. When I told him that I had no record of this debt, he told me that my husband was irresponsible for not paying debts! These people are unbelievable. Even when I informed them that because of my husbands deployment status, they had to stop trying to collect this debt, they accused me of lying about where my husband really was and refused to let me talk to a supervisor, after threatening to inquire into my husbands credit enough to ruin it. He also told me that if my husband had bad credit he would not be able to receive a promotion! The SOL is there to protect people from scum who try to collect "so-called" bad debts. There is no reason in the world to talk to people the way they talk to people. I recorded my conversation and contacted an attorney. Because they used scare tactics they are in violation of the FTC. I also reported them to the BBB and FTC.

Quote:

Originally Posted by Anonymous
guest2009, that is so TRUE. People then use the SOL as a way out. Knowing they open up some accounts and chose to stop paying them. Portfolio Recovery is a good company to work verses NCO Financial. If PRA give you a settlement, I will advise you to take it. They will give you a deadline because there is still interest accuring on the account. When PRA purchase the debt, they also purchased the same contract from the orginial company.
The companies are not making money off of you, that is something you signed for. Consumers do not read the fine print. Consumers get credit cards and then live on them and stop making payments. Then they expect for them to go away. It doesn't work like that, so now you are getting sued by PRA.
Some consumers doesn't have morals and that is what it boils down too. Half or majority of the comments up here they know about the credit they had 20 years ago. You can't tell me you don't know what you purchased 20 years ago. Had you paid it 20years ago, no company should be coming after you. Consumers use credit before using cash. They get all the credit in the world and then file bankruptcy or they run from the debt until the SOL. That's why the bankruptcy laws were changed, for consumers that intentionally go out there and get credit they can't afford.
Be responsible and STOP trying to look for a way out.


Submitted by on Thu, 04/15/2010 - 20:37

( Posts: 202330 | Credits: )


This is the perfect example of why people are in debt up to their eye balls....
you buy a debt for $20, wait a couple years, and then contact the person who owes claiming that with interest they now owe $2000.00. How can anyone get out from under that. Yes people should pay bad debts, but you do not need to scare and insult people. Also stop trying to collect on debts that have already been paid to the original creditor. That a big part you forgot to talk about. Your company buys "bad debts" hoping you can scare people into paying money they don't owe! The only reason you are having a stellar year is because of all the people you try to scare, many people don't believe that there are such untruthful and deceitful people out there and just plain dont know any better. So sleep tight in your position as Senior Collector, but just know that there is a special place reserved for you in hell.
[/QUOTE=Anonymous;669499]PRA is doing great!!
Hello debtors! I am a senior collector at Portfolio Recovery Associates and can assure you that business is thriving! Feb 2010 was the biggest month in the history of the company and our shareholders are very satisfied with their earnings. J As of today, PRAA was up 0.72 and enjoys so much heavy trading volume that, despite the company having such small capitalization, is listed on the NASDAQ instead of the pink sheets.
We just secured a contract with the federal government to collect taxes! Uncle Sam loves us! Yep, the feds found us useful and will now be using us to collect back taxes too. Talk about job security! J
The lawsuits are a joke in comparison to our level of profitability!
Every major corporation has pending lawsuits and PRA is no different. It???s because many of our junior collectors are college kids that find it entertaining to belittle deadbeats who are a burden on our society by borrowing money and never repaying even though they agreed. Deadbeats cry and whine and claim FDCPA violation. (boohoo???pay your bills) We take pleasure in reminding you in every way that we can that deadbeats like yourself are the reason our country is in the mess that it???s in. You over-extended yourself and now, when it???s time to pay the piper, you duck and hide like scum. One word???loser.
I can assure you that no matter how much you try to duck and dodge your responsibilities we will find you and will follow you to the grave if we have to.
No body knows the FDCPA and it???s loopholes better than us and I assure you that you will never be rid of us until you suck it up and pay your bills like you should have in the first place, whether it???s past the SOL or not. One of my favorite calls is when someone changes their phone number and then our skip tracing efforts locates the new number on the first day the debtor has it. We will always have a number to call to find you whether it???s your home, POE, immediate family, in-laws, land-lord, ex-spouse, ex-employer, child-hood friend, or anyone who may or may not recognize your name if asked. If you are determined to avoid us, be ready for you and many of the other people you know to receive friendly contacts from us perpetually. That???s the beauty of 3rd party collections???we own the debt for good and don???t re-sell! When you die, we???ll call whoever inherits the debt until it???s paid and maybe even leave notes on your headstone to give us a call back whenever it???s convenient.
The SOL simply means we can???t sue you but you still legally owe the debt. If it???s assigned to your SSN than you???re done for unless it is disputed successfully.
Most consumer initiated disputes are unsuccessful so you???d better have a good story. If you don???t pay your debt than you better be ready for us to be a part of your life. If you don???t like the calls, send in a written C&D letter. We???ll just call someone who knows you. Maybe even your employer and we???ll ask them to write down our company name so they can give it to you.
Current Statute of Limitation laws are changing so get your legal council on speed dial!!!!
As our nation has experienced the negative impact of overextension of credit and the ramifications of tremendous amounts of charged off debt, the laws pertaining to credit enforcement are changing. Lawmakers have remained very quiet about this change but it???s coming about in phases. The first phase was the tightening of restrictions for filing bankruptcy. Look at the amount of bankruptcies being dismissed today compared to 2 years ago! It???s amazing! J The second phase was the increase in difficulty in securing credit and tightening it???s restrictions on to whom credit will be extended. Sub-prime lending is a thing of the past. The third phase, and my personal favorite, is the changes to SOL laws that are in the works. Right now, each state has different SOL laws and the federal government has allowed that particular issue to be handled at the state level. Now, there will be a federally-imposed uniformed SOL legislation that is vastly different and way more beneficial to me, Mr. Collector! If you are currently hiding under a SOL, be ready for it to disappear and to receive a legal demand notice in your mailbox. Our Thomas West offices and the other thousands of PRA credit/contractual law offices will be sending hundreds of thousands of demand letters in the up-coming future! The days of offering a SIF arrangement will be gone and payment in full will be expected. If you think I???m bluffing???that???s fine. Just don???t cry to us when this happens in the near future. Should???a paid your bills. If you have any questions, feel free to give me a call at 1-800-383-8013. I do need to advise you that this is an attempt to collect a debt by a debt collector and any information obtained may be used for that purpose. Also, your call may be monitored or recorded for quality assurance purposes.
Look at all the good news about PRA and getting deadbeats to pay!!
http://www.forbes.com/2005/12/07/portfolio-recovery-earnings-1207markets04.html
http://news.moneycentral.msn.com/provider/providerarticle.aspx?feed=MW&date=20100315&id=11248172
http://www.portfoliorecovery.com/pdf/PortfolioRecovery.pdf
http://www.mcclatchydc.com/2009/10/15/77253/one-industry-thats-booming-debt.html[/QUOTE]


Submitted by on Thu, 04/15/2010 - 20:54

( Posts: 202330 | Credits: )


This past Monday I received a letter from PRA stating that I owe'd 3,700 dollars on an old account I'd thought closed in 2001. With an offer to settle the account for 1500 if done by May 15th. I called them for information, never once admitting to the debt, but the lady I spoke with did tell me that the last payment made on the account was in November of 2002, which was 8 years ago. The Tennessee SOL is 6 years. She also told me that this was showing on my Credit Report, but after obtaining credit reports from 3 agencies tonight, I've discovered that it isn't. I'm assuming this is due to the 7.5 years "rule".

I'm 90% sure this account was settled back in 2001. But, from what I'm reading PRA have zero legs to stand on. It's my understanding that paying them would re-age the debt and it would once again be visible on my credit report. However if I do not, it won't.

The only reason I'm asking is the 10% of uncertainty regarding the settling of the account in 2001. I have no paperwork to show that was the case. So I'm left wondering if the debt really is mine or not. And I'm not prone to being a dishonest person.

Any advice?


Submitted by on Sat, 04/24/2010 - 02:20

( Posts: 202330 | Credits: )


yes since it is out of SOL.it is your choice whether or not to pay,but keep in mind that you are right paying even a settlement re-starts the SOL clock.if it was me knowng how this bottomfeeder operates i would send them an FOAD letter certified mail return receipt.i would be willing to wager you did settle this besides it being past SOL.you owe them nothing but the FOAD letter.


Submitted by paulmergel on Sat, 04/24/2010 - 10:54

paulmergel

( Posts: 15514 | Credits: )


Pretty much everything this individual says is either a lie or he is twisting the facts. Why don't you tell us, Sr. Collector, do you get paid to go on sites like this and post your horsehockey? Is it now part of your job to spread lies and misinformation here? Your company must be running scared. They obviously realized that it's biggest nightmare is an educated consumer. Therefore they have engaged you to post on these sites to try and discredit the truth. PRA is routinely guilty of breaking the law. If you are so proud of what you do, why not post your real name and a way to contact you personally? DON'T PAY ANY ATTENTION TO ANYTHING THIS BUM SAYS!!! Educate yourself!! PRA is one of the worst of these slimeballs. The IRS isn't going to "hire" PRA to collect anything. That is one of the more egregious lies.
BTW, Sr. Collector, you haven't addressed the fact that your company routinely calls the wrong number and refuses to stop, goes after the wrong people and refuses to stop even when presented with evidence that you have the wrong person, routinely goes after people to collect money that has already been paid, the list goes on and on. One of my favorites is when you call the wrong number and demand that the person you reach does your skip tracing for you. I don't work for your company and it isn't my job to find the person you're looking to swindle for you. And no, you CANNOT legally call my number twice a day, every day. You can only legally call the the debtor, and only until he demands you stop. I'm not the debtor. You called a wrong number. Therefore you can't call me at all. Not to mention it's a waste of your company's time and money. Fairly simple to understand. Unless you really are that stupid!
The only reason PRA has been successful is due to the fact that so many people don't know their rights or how to deal with you. That is quickly coming to an end. The American public is getting smart and getting an education. The internet allows information to be spread very quickly and that will surely be your downfall. People are getting educated about the FDCA and how your company and others like it routinely break the law and prey on people. Hope you have a back up plan, soon enough you'll be out of a job.
I encourage anyone who reads this site or others like it to spread the word to everyone you know. Last year I successfully helped an acquaintance repel one of these slimebuckets by turning him on to this site and a few others like it. He got educated. So, if you have a webpage, link to this site. Put it on your blog, discuss it with family, friends, anyone you meet.
Your company and other bottom feeders invested pennies on the dollar buying questionable debt. Debt that is often uncollectable, past the SOL, a product of identity theft, whatever. I'm sure a small portion, a very small portion, of it is real, but that still doesn't justify your behavior. Even if someone owes a debt, you certainly don't have the right to talk to them the way you do. You don't have the right to be disrespectful, to lie, threaten, terrorize, harass, steal. The alleged debtor's friends, neighbors, relatives, etc. have the right to their privacy. Where in the world did you get the idea to call them and harass them? They have rights - especially the right to not be bothered by your phone calls. Apparantly you also think it's quite amusing to desecrate someone's headstone after they die. Have you listened to yourself lately? How pathetic! You do realize you sound like a nut case and a spoiled brat - "My job allows me to harass anybody I want and there's nothing you can do to stop me" - I wonder how you convinced yourself your behavior is acceptable or normal.
Somehow you have really twisted yourself. Listen up!! America is pissed off! Especially after the recent bank bailouts. How is it in your warped world it's ok for the American taxpayer to bail out these banks while their executives continue to reap insanely huge bonuses? Where is your self-righteous outrage over that? Your company made a bad investment. It isn't our responsibility to bail you all out. It's pretty amazing that you have such a self righteous attitude when you've been proven guilty of breaking the law over and over and over. Talk about ignorant!! You guys top the list. I wonder what you all are going to do when the time comes - every phone call you make will be answered with a request to validate the debt and to cease the harassment. When you can't get away with swindling people with illegal debt collection will you all then become used car salespeople? You guys are giving yourselves such a bad reputation I doubt even that industry will hire you.


Submitted by on Mon, 04/26/2010 - 01:35

( Posts: 202330 | Credits: )


Last year I was unemployed and my wife worked at a department store. I had no unemployment benefits. I just found a job and was served late last year by those vampires. I never responded back. About two months later they had the gall to send a letter saying that they and their clients wanted to "work with me" and included a form for me to include my debts. Once again, I did not respond. Today they served my wife, strictly under her name and there will be no response to that one either. We rent and finance our vehicles, there's nothing they can do but harass, thinking, "oh no! I'm getting sued and was served papers from attorneys!" BIG F**KING DEAL! Don't bother with them, don't respond, it'll be written off and they will just go away. I already paid their stupid clients, it was called a Federal Bailout with my tax dollars. Where's my bail out? All they're doing is pissing people off.


Submitted by on Mon, 04/26/2010 - 15:35

( Posts: 202330 | Credits: )


I received a letter from a local attorney on behalf of PRA stating the amound due of $2,000 "plus interest as of today" in the amount of $2,500..."plus interest at the rate of 13% per year in the future".

Total BS - I don't even know what this is for. I will send a validation letter, but can they add on interest like that even if it is validated? The interest is more than the debt!!


Submitted by on Wed, 04/28/2010 - 10:39

( Posts: 202330 | Credits: )


Yes, PRA has been calling me for a long time, nearly a year. At first they were looking for someone else. I responded by calling and telling them that no one by that name lives here, and I didn't block my call, not seeing the need at the moment. A few days later, I started getting calls from them directly - looking for me. I had no outstanding debt then. This went on and off for a long time. I just ignored them. Then, last fall my financial situation got hairy and I ended up going into forclosure and finally filing bankruptcy. I just got another call last night. They even had my name wrong. My Chapter 7 is not fully discharged yet, so this may be a last ditch effort by some creditor trying to get a payoff. I just sent them a Notice of Stay. We'll see. Maybe a formal complaint to the agencies mentioned above will work, followed by a class action as mentioned above.

Any ideas?

A Bit Upset.


Submitted by on Wed, 05/05/2010 - 13:11

( Posts: 202330 | Credits: )


Sorry this is a repeat post from another thread I accidentally placed there. It's meant for this one.

Hey all, I've been getting calls from these guys for months now. I finally gave in and talked to one of them. They said I was in litigation in California. I'm in a job that only lets me bring home 400 a month and I have a child to feed. I just can't pay these guys. What do they mean by me being in litigation. I asked that they stop calling me and he rudely went on that I can't just ask them to do that. I told him to stop again and that if they didn't I would report them to the proper agencies. his response was "any reports you make won't mean jack crap". I stupidly gave him me new address before any of this went down. (They start off being very polite...) I know the SOL is not up, what can I do other then send a letter to verify the debt. They say I owe 6800 but i know that originally it was much less. I read somewhere, don't remember where, that I can demand a receipt of purchase for the account. Meaning they show proof of how much THEY paid for the account and to work from there to pay that amount off. Funny thing is the phone number they call me at isn't even under my name. It's part of a family plan which is under my mother-in-laws name. They also call and leave messages repeatedly on my sisters home phone. Is that legal? Thanks!


Submitted by Robert Stuczynski on Mon, 05/17/2010 - 20:16

Robert Stuczynski

( Posts: 5 | Credits: )


if portfolio is trying to collect on a debt that was a joint account such as an electric bill how can they recover the right amount-if they say i owe 600 (which is roughly the amount) then also send him the same collection letter and we both paid them they would have recovered 1200 what happens to overpayment


Submitted by mamacita on Tue, 05/18/2010 - 16:28

mamacita

( Posts: 3 | Credits: )


in response to joe smith-i just got the letter today-i moved from the residence where the electric bill came from my ex still lived there-as he has been avoiding child support i doubt they will find him-we are both in different states from where the debt came from-i'm just ticked off that once again i'm held responsible for his sorry a@# debts!!!:x:x:D


Submitted by mamacita on Tue, 05/18/2010 - 16:44

mamacita

( Posts: 3 | Credits: )


That is a sticky situation indeed...if the bill was in your name then you may very well be stuck with it, but you should have them validate the debt! You should have had the service shut off when you moved if it was in your name. :D

But make sure it gets validated and keep records if you do pay it..who knows, you may find him one day and can sue him to reimburse you for that debt.


Submitted by goldenbast on Tue, 05/18/2010 - 19:53

goldenbast

( Posts: 2884 | Credits: )


What does it mean when I've been having protfolio recovery report on my credit report and it shows CO for the last 8 months on my experian, but in my recent report that went away and now it's only on my transunion but no monthly history. And to which address would I send a cease and desist and DV letter to? Thanks.


Submitted by Robert Stuczynski on Wed, 05/19/2010 - 09:37

Robert Stuczynski

( Posts: 5 | Credits: )


I need help. I have just recieved a dozen missed calls from PRA over the last couple of days. I don't know who they are and I have not spoken with them yet. I google'd them and it seems they are a debt collector. My credit report is clean. Do I dare talk to them or should I just block their calls? I had issuse with my credit over 10 years ago but it is clean for at least the last 10 years. What damage can they do if I talk to them and what if it's a bill I don't remember and it's over 10 years old. Thanks!


Submitted by on Sun, 05/30/2010 - 14:21

( Posts: 202330 | Credits: )


Here is a rich one, I just had one of there incompetent representives call me! He accused me of using an alias. He said I was someone else and was using a fictitous name. I explained to him that I don't owe this company a bill and never have, just because I have the same last name. I realize collectors are not the brightest bulbs in the box, but they better do their homework!! If they come after me I will own them. I will spend whatever it takes. I also may take a trip to their place of business. Maybe having a talk with one of these idiots in the parking lot will wake them up???


Submitted by on Wed, 06/02/2010 - 13:42

( Posts: 202330 | Credits: )


I friend of mine started working for them 6 years ago. Gave them my unlisted, private phone number. I owe no person a penny. Have no credit cards. They just put me on their list and use their automated computer to call me 3 or 4 times a week. I never pick up--that would be suicide! But I am finally tired after 6 years of them calling, even on Holidays. Filed a complaint with the FCC, which if like spitting into the ocean, for all the good it will do. Got call block, but PR has too many numbers to block all of them. I have just changed phone numbers. I hope no more ex-girl friends start working for them in the future, and gives them my unlisted phone number, again. From all that I have read and heard about them, they are borderline criminals, who have probably crossed the border. They are only interested in money, and don't care at what cost they have to go to extort, bride, hassass, to get some fricken money for themselves. Stay far away from them. Don't pick up. Good luck


Submitted by on Wed, 06/09/2010 - 15:34

( Posts: 202330 | Credits: )


(Accidentally posted this as a new thread under the Collection agencies and creditors forum)...

Hoping you guys can help me here. I got a call this morning on my cell phone from a woman claiming to be with PRA. Told me I owed over $800 on a debt with Verizon and asked if I could make the payment all at once or needed a payment plan. Since I had *no* idea what she was talking about, I started asking questions. When she told me that this was dating back to 1996, I attempted to stop the discussion immediately by asking for details in writing, that I was not going to simply hand over hundreds of dollars to someone who just called my cell asking for it. She told me that the letter had been computer generated, and that it was impossible to send a new letter. Bull***t. She then told me that they had been trying to call me but kept on getting voicemail - I've never heard from these people. Told me that she'd called my brother (???) in 2008, but he said he didn't have my number. (He's never mentioned this.) And they didn't have his number because he'd asked that it be deleted. She then said that they'd sent everything in writing in February because they hadn't been able to get me via phone. I was confused - she'd just said a letter had been sent a month ago, but now it's February? She apologize and said she'd made a mistake. At this point, I asked for a supervisor.

Supervisor told me that a settlement offer had been mailed to me (in my maiden name) back on February 2nd, and that it expired on March 19th. She said it was with Verizon, and that PRA acquired this debt in 2004. (So why no call til now????) Told her (possible mistake here) that I had no idea what the debt was from, that I'd had a Verizon account back then but KNOW I would not have let anything like that go unpaid, and that I needed written verification. Also told me she couldn't send anything in writing, but I pushed back and said I would not pay anything until I, and my attorney, got something in writing to review. Asked what the amount was again - she said $335.27, but then said that this was the settlement offer and that she couldn't send anything written without an agreement to pay. Told her again I would not pay anything without further written details, and asked her to fax the information this afternoon. Also told her that if my attorney and I reviewed it and found it to be valid, that I would of course honor any debt that was truly mine.

Asked one last thing - told her I'd pulled my credit last year for a mortgage re-fi, and had just been preapproved for a mortgage (again, possibly big mistake). My credit is in the high 700s, I have no debt, why am I not seeing this on my report? She told me that because it's beyond 7 years so it won't show up here. But here's the kicker:

She then said, "You're lucky that we haven't pulled your credit yet. Once someone does, and any rep has the ability to use their own judgement and pull it at any time, they can post this issue to your credit." She said that it hadn't happened yet because they can't do anything to my credit until they make contact with me. Now that they have, they can. This got me heated - I told her that if this had (supposedly) been going on for so long, why it's just now that they've contacted me, and that what she had just told me sounded very threatening. She was very quick to say she wasn't threatening me, but I pushed back, albeit civilly, and told her that her response was very unfair and did come across as very threatening as they were asking me to pay something I had no written verification of.

I ended the call by promising to go home and turn my fax on so that she could send details in writing. I did so an hour before my promised time, could not get the original supervisor on the phone, but asked the rep at that time to fax a debt validation. She said she would within 24 hours.

So... and I know this is super long... what are my options???? This seems way past the statue of limitations (was in IL at the time of this debt, if it's mine), but I'm worried. I did have a Verizon account, but do honestly believe that I paid it off in full but have no paperwork to back it up. If it's mine, I'd pay it, honestly... I'm capable and willing, but only IF IT'S MINE. We really are preapproved for a mortgage at a great rate and will hopefully be moving by the end of the summer - it would kill me if this got in the way. If I pay it, can I be assured that it's really done? Part of me just wants to pay to not have to worry about the credit. For me, my credit score is invaluable... is it better to just pay the $335 and be done with it?

Any advice would be greatly appreciated. Thanks!!


Submitted by on Fri, 06/11/2010 - 12:50

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
Thank you for the responses. My concern is that upon receiving the debt validation letter, portfolio recovery associates will immediately file suit. The SOL is certainly not up and I can't afford to pay them since I am without a job.
Trevor

Trevor a long time ago I had a lawyer tell me that most places won't sue unless you owe several thousand dollars - and also all they can do is get a letter telling you to pay and if you don't have the money "they can't get money out of a turnip" as the saying goes. I have been getting calls from them too - the minute I hear the Debt Recovery name I just hang up, I hope this helps.


Submitted by on Mon, 06/14/2010 - 19:30

( Posts: 202330 | Credits: )


I have got called from them 2 years ago first.. after several time, I talked to them and someone there told me it's a mistake (some depth from 1997 !!.. $100 that become $1000). Anyway, 5-6 month after I thought it closed - they start keep calling me and left me scary messages.. I am ignoring. I'm not american, came here because it's a great free country.. but I'm start to think it's not that free anymore, if ever was.


Submitted by on Thu, 06/17/2010 - 14:31

( Posts: 202330 | Credits: )


I had to deal with them. A friend I have been helping was getting calls from them, saying they bought some MBNA debt. I sent them a C&D and filed every complaint in the book that I could sans small claims suit.

I also asked an old colleague to send the three credit reporting bureaus letters stating that all reports they make are false and fraudulent and to remove them from her credit report. They will listen also, because he's a District Attorney.

Unfortunately, they are not in my jurisdiction. I can't have them arrested and charged.

But, I can list them as a terrorist organization. Let's see any of them get an airline ticket anytime soon! ;-)


Submitted by MikeCarbone on Thu, 06/17/2010 - 22:05

MikeCarbone

( Posts: 5 | Credits: )


I've just started dealing with this company. They're just another bottom feeder junk-debt-buyer. Flick them like a dying fly off your kitchen counter...it's that easy. This 1099-C is a violation of Federal law. However, lower jurisdiction courts will take these types of cases. So, file your complaint, use subponeas liberally, and kick them down the road with FDCPA violations payable to you. Don't let them scare you. These companies are owned by very shady people with high-school students doing collection calls for them in tiny cubicles. Just sue them. Let me say it again...SUE THEM!!!!!!!!!!!


Submitted by on Fri, 07/30/2010 - 15:13

( Posts: 202330 | Credits: )


Quote:

Originally Posted by mikecarbone
i had to deal with them. A friend i have been helping was getting calls from them, saying they bought some mbna debt. I sent them a c&d and filed every complaint in the book that i could sans small claims suit.
I also asked an old colleague to send the three credit reporting bureaus letters stating that all reports they make are false and fraudulent and to remove them from her credit report. They will listen also, because he's a district attorney.
Unfortunately, they are not in my jurisdiction. I can't have them arrested and charged.
But, i can list them as a terrorist organization. Let's see any of them get an airline ticket anytime soon! ;-)


a terrorist organization? Tell me more...


Submitted by on Fri, 07/30/2010 - 15:16

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
They call once a week. I don't owe anyone anything, and never did. I just don't answer their calls and get this, they don't leave a message...


They autocall me once a week, and I am keeping a log per my attorney. I have asked them not to call, and explained that this debt which they automatically assume is valid, was part of a bankruptcy case in 1986. Even if it wasnt covered, there is a 7 yr statue of limitations. They will not stop calling so we are building a case against them.


Submitted by on Thu, 08/05/2010 - 14:07

( Posts: 202330 | Credits: )


I was nice at first...no..I never had a Capital One Card...No..I am not giving you my SS Number over the phone....please stop calling me. They didn't. So I got a military whistle and quite happily blast their effin ears out when they call....it has definitely lessened! Fun...easy...and much better than telling them off on the phone!


Submitted by on Tue, 08/24/2010 - 20:07

( Posts: 202330 | Credits: )


Last year I lost my job and defaulted on several of my credit cards. I managed to settle 2 out of 3 of them. One of which was my citibank which had retained the collection law firm Hunt & Henriques and sent me a summons. I immediately settled with them and paid of my citibank account. I checked my CR and my last outstanding account, capital one, was charged off and bought by PRA. I ignored their letters and calls for several months. Recently, I got a letter from the same law firm Hunt & Henriques now representing PRA as their client and threatening me with suit. I find it odd that now these two are working together, either PRA approached H&H knowing I settled another account through them or they approached PRA. The letter states that I have 30 days to validate the claim, which I am wondering whether I should do. Obviously, H&H has no reservations about suing me since they sent me a summons before the difference then was that they were representing citibank and not a junk debt buyer like PRA. I???ve done a lot of research on the matter ad it seems that more often then not junk debt buyers can???t properly validate debt. I am worried about sending them a DV since this is actually my debt. Any advice?


Submitted by on Tue, 09/07/2010 - 17:03

( Posts: 202330 | Credits: )


Better late than never...

How is it that you feel so strongly that these "collection agents" are such evil, rude, and insulting people, yet you constantly insult and criticize them with every chance you get. Did you ever stop to think that they are just doing what could possibly be the only job they could get these days, just to keep their families afloat by any means necessary? Isn't that the exact situation we're all in right now? Debtors can't pay these debts and still afford to keep roofs over their heads and food on their tables, and ,in most cases, these evil agents dead set on ruining your day couldn't afford to live without these jobs (that I assure you most of them absolutely despise) either. We all have to do what we can to survive. Instead of insulting and passing judgement on peoples' very nature simply because they are doing their jobs, we should all use forums such as this to communicate and find a means to make everyones' situation better. Nothing will ever get solved if people continue to behave in this manner. Stop being part of the problem!


Submitted by on Thu, 09/23/2010 - 21:14

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
Better late than never...

How is it that you feel so strongly that these "collection agents" are such evil, rude, and insulting people, yet you constantly insult and criticize them with every chance you get. Did you ever stop to think that they are just doing what could possibly be the only job they could get these days, just to keep their families afloat by any means necessary? Isn't that the exact situation we're all in right now? Debtors can't pay these debts and still afford to keep roofs over their heads and food on their tables, and ,in most cases, these evil agents dead set on ruining your day couldn't afford to live without these jobs (that I assure you most of them absolutely despise) either. We all have to do what we can to survive. Instead of insulting and passing judgement on peoples' very nature simply because they are doing their jobs, we should all use forums such as this to communicate and find a means to make everyones' situation better. Nothing will ever get solved if people continue to behave in this manner. Stop being part of the problem!


get off your soapbox humanoid.the bottomfeeder you work for should be sued out of business.btw keeping a roof over our heads and feeding our families is priorty over paying debts past SOL,debts that are paid already.and debts that don't exist.it's bottomfeeding scuzz that's the problem.another btw.how does violating the FDCPA as well as other laws quailfy as work?i can it criminal activity.


Submitted by paulmergel on Fri, 09/24/2010 - 05:20

paulmergel

( Posts: 15514 | Credits: )


Unfortunately this is exactly the type of response I knew I'd get from you. It seems you missed my point entirely. ".btw keeping a roof over our heads and feeding our families is priorty over paying debts past SOL..." That's exactly what I meant when I was talking about debtors not being able to pay these debts and still survive, in the same way collection agents wouldn't be able to survive w/o these jobs. You really let me down there, champ. I was hoping for, at the very least, a semi-intelligible insult mixed in with your frantic and closed minded ramblings. If you honestly wanted to "help the helpless", you might find a way to turn off that Must Insult switch in your brain, and realize that nothing could be more helpful than to have a few of those-who-work-on-the-dark-side on this forum, giving you inside information on how to get what you need and deserve from these agencies. No one ever gets anywhere by being angry all the time. We're all but mere mortals doing what we can to survive in this economy. Why not help each other out from time to time?? I find it interesting that mine was the first comment you've responded to in some time on this thread. Seems you'd rather argue than actually give advice.

" can it criminal activity." Can it! My thoughts exactly.


Submitted by on Fri, 09/24/2010 - 08:12

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
Unfortunately this is exactly the type of response I knew I'd get from you. It seems you missed my point entirely. ".btw keeping a roof over our heads and feeding our families is priorty over paying debts past SOL..." That's exactly what I meant when I was talking about debtors not being able to pay these debts and still survive, in the same way collection agents wouldn't be able to survive w/o these jobs. You really let me down there, champ. I was hoping for, at the very least, a semi-intelligible insult mixed in with your frantic and closed minded ramblings. If you honestly wanted to "help the helpless", you might find a way to turn off that Must Insult switch in your brain, and realize that nothing could be more helpful than to have a few of those-who-work-on-the-dark-side on this forum, giving you inside information on how to get what you need and deserve from these agencies. No one ever gets anywhere by being angry all the time. We're all but mere mortals doing what we can to survive in this economy. Why not help each other out from time to time?? I find it interesting that mine was the first comment you've responded to in some time on this thread. Seems you'd rather argue than actually give advice.

" can it criminal activity." Can it! My thoughts exactly.


i see you got my one typo.shows you are actually paying attention.as for the rest of my post humanoid.i stand by it.btw again i have a couple of friends planning lawsuits against your company for your "noble efforts".your posts are insulting as again breaking the law is not work loser.spew the stupidity elsewhere.last btw,i have worked with collectors on defaulted cc's.they just sent me details and worked on an arrangement that didn't involve bank by phone.you mutants should try that instead.alas i doubt it so back to the phones drone.


Submitted by paulmergel on Fri, 09/24/2010 - 08:21

paulmergel

( Posts: 15514 | Credits: )


You seem stuck on the idea of collectors breaking the law. Who you should be blaming for that is the management and above. The collectors only do what they're taught, and most aren't aware if they're doing something wrong. The people who actually call you are mostly uneducated adults or kids fresh out of high school who jumped at the chance at a job that pays $10/hr. to start, plus benefits and 3 available raises in the first year. This may not seem like a lot to some people, but in a state where minimum wage is only $7.25/hr., this is much better than working at Wal-mart. These people aren't trained nearly enough on FDCPA laws, and that is why they are not always being properly adhered to. It does not stem from malicious intent, which could be the only excuse for your uneducated tongue-lashings. At least they're not aware that they are not behaving accordingly. I'm also aware that there are collectors who like to insult and pass judgement just like you do, and obviously those people aren't doing their jobs correctly and should be fired. Take it up with the managers, executives, and VPs. If someone treats you poorly while trying to collect over the phone, keep calm and let their supervisors know! They will be reprimanded as with any job, but not when the person doing the complaining sounds like they started the problem because they're behaving irrationally instead of sounding an intelligent complaint! One last thing before I leave you to bask in your hate...

If you are so adamant about following the law, and you apparently abhor "criminal activity", then what do you call a person who borrows money from someone, signs a contract promising to pay the money back, uses the money for their own pleasure, and then runs away and never pays the money back? There's one word for that: theft. Which is punishable by jail time if you were to walk into the same store your credit card came from and take money out of the register. And if you don't believe the debt to be yours, dispute it, prove it's not, and never be bothered by it again. Don't just go online and search for other thieves to band together with so you can all start a group to complain about companies actually wanting the money they trustingly lent you back. What a concept.


Submitted by on Fri, 09/24/2010 - 19:08

( Posts: 202330 | Credits: )


Quote:

Originally Posted by Anonymous
You seem stuck on the idea of collectors breaking the law. Who you should be blaming for that is the management and above. The collectors only do what they're taught, and most aren't aware if they're doing something wrong. The people who actually call you are mostly uneducated adults or kids fresh out of high school who jumped at the chance at a job that pays $10/hr. to start, plus benefits and 3 available raises in the first year. This may not seem like a lot to some people, but in a state where minimum wage is only $7.25/hr., this is much better than working at Wal-mart. These people aren't trained nearly enough on FDCPA laws, and that is why they are not always being properly adhered to. It does not stem from malicious intent, which could be the only excuse for your uneducated tongue-lashings. At least they're not aware that they are not behaving accordingly. I'm also aware that there are collectors who like to insult and pass judgement just like you do, and obviously those people aren't doing their jobs correctly and should be fired. Take it up with the managers, executives, and VPs. If someone treats you poorly while trying to collect over the phone, keep calm and let their supervisors know! They will be reprimanded as with any job, but not when the person doing the complaining sounds like they started the problem because they're behaving irrationally instead of sounding an intelligent complaint! One last thing before I leave you to bask in your hate...

If you are so adamant about following the law, and you apparently abhor "criminal activity", then what do you call a person who borrows money from someone, signs a contract promising to pay the money back, uses the money for their own pleasure, and then runs away and never pays the money back? There's one word for that: theft. Which is punishable by jail time if you were to walk into the same store your credit card came from and take money out of the register. And if you don't believe the debt to be yours, dispute it, prove it's not, and never be bothered by it again. Don't just go online and search for other thieves to band together with so you can all start a group to complain about companies actually wanting the money they trustingly lent you back. What a concept.


i will just say this loser.the last part of your kool-aid swilling schpiel says it all.everybody is stealing,or has intent to do so.just mention of theft makes you a collection clown.i really don't see a point to carrying this on.you are a criminal trying to muddy the waters.you also are wrong in every way and are going to suffer mightily somday,but i just don't have to have it here. thread locked.


Submitted by paulmergel on Mon, 09/27/2010 - 07:15

paulmergel

( Posts: 15514 | Credits: )