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What do I do if Portfolio Recovery does not give proof of my pay-off?

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Recently I paid in full the balance on an account with Portfolio Recovery Associates llc. Before I made the payment, the agent said I will get a paid in full letter within 2 days on receiving the payment. Its been three weeks since I made the payment and I have not received any letter. When I called up today, the same agent said the letter was mailed out 12 days ago. I asked the agent to fax a copy of the letter. The agent said it will be faxed but declined to say when it will be faxed. The agent was very rude. I checked my credit report. It shows the amount I have paid, but also shows that there is a $1 balance on the account. Anybody experienced this before?
Please let me know how to handle this situation. Thanks in Advance.

Kry: Come to my site, and on the side is a link called 'letters for all collection needs'. It should have a letter to send them via certified mail to clear this up. Your situation is covered by federal laws. Get back to me, and let me know if you need more assistance.

Sub: #1 posted on Mon, 08/20/2007 - 23:26

Anthony Lemons Anthony Lemons

(Posts: 1828 | Credits: )

I haven't heard many collection agencies giving paid in full. Portfolio recovery associates llc usually collects on old debts. Is there any written document where they said that your account will be marked paid-in-full? You may also send a letter mentioning that you have made your last payment and also ask for a PIF (Paid-in-Full) for the concerned debt, as agreed. Else you can file a complaint with your state's Attorney General.

Sub: #2 posted on Mon, 11/03/2008 - 02:49


Hey Isle,

You're answering a thread of more than 1 year. But I liked your answer. You seem to be a knowledgeable person. Why don't you join our community?

Sub: #3 posted on Mon, 11/03/2008 - 03:40

phoenix phoenix
(Posts: 1445 | Credits: )

For information sake let me add that even if a CA like Portfolio Recovery Associates llc gives you a PIF, it doesn't mean that the original creditor is obligated to remove the negative listing from your credit report. So, it is always desired that you negotiate with your creditor directly.
Otherwise I completely agree with our guest, Isle.

Sub: #4 posted on Mon, 11/03/2008 - 21:30

phoenix phoenix
(Posts: 1445 | Credits: )

I have found some sample letters along with good information from which may come handy to you.

This paid in full letter should be sent to collectors via return receipt requested. Although the letter demands confirmation from the bill collector or collection agency that the debt is paid in full, it can also serves as proof that you did pay off the debt. Quite often additional fees and interest charges are added after you've sent in your final payment. Don't pay more than the agreed upon amount.

Sub: #5 posted on Mon, 11/03/2008 - 21:58

phoenix phoenix
(Posts: 1445 | Credits: )

Free Sample Paid in Full Letter Informing Collectors of Your Final Payment

Today's Date

Your Name
Home Address
Phone Number

Attention: {name of collector}
Name of Debt Collection
Agency Address

Account Number: {account or reference number}

Dear Mr. /Ms. {Collector's Name or Collection Agency's name}

You'll find my final payment on the above referenced account enclosed. I request written confirmation showing this account as {paid in full or settled} according to our agreement on {insert date of agreement}. However, should you choose not you provide me with confirmation, I will use your acceptance of this final payment as proof that you agree the account is {paid in full or settled}.

Now that this debt is paid, I do not expect to hear from you except to confirm the account is paid. I will consider any other contact from you or you company as harassment and will immediately report your actions to my State Attorney General and to the Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself. Finally, I expect you to remove this account and all references to my personal information from your records.

Signature just above printed name
Your Printed Name

Sub: #6 posted on Mon, 11/03/2008 - 22:00

phoenix phoenix
(Posts: 1445 | Credits: )

[quote]Free Sample Previously Settled Debt Letter

September 28, 2003

Your Name
Home Address
Phone Number

Attention: {name of collector if known}
Name of Debt Collection Agency

RE: Collection letter dated {date of letter here} or phone call on {date of call here} reference account #: {account or reference number}

Dear Mr. /Ms. {Collector's Name of name of Collection Agency}

This letter is to inform you that the account in question was settled on [insert date] with [insert name of collection agency]. I have enclosed copies of the settlement letter and proof of payment. You now have proof that this debt is no longer collectable, therefore I demand that you remove this account, and all references to my personal information, from your records.

I do not expect to hear from you again regarding this matter however, should you choose to ignore this notification, I will consider any contact not in accordance with the Fair Debt Collection Act, a serious violation of the law and will immediately report any violations to my State Attorney General and to the Federal Trade Commission and, should it become necessary, take legal action to protect my myself.

Your Printed Name[/quote]

Sub: #7 posted on Mon, 11/03/2008 - 22:02

phoenix phoenix
(Posts: 1445 | Credits: )

Great Information Phoenix. I'm here in this forum for quite sometime and sharing and gathering information from this forum. Yes, I'll definitely join this community. Thanks for asking.

Sub: #8 posted on Tue, 11/04/2008 - 03:48


i got a citation today because portfolio and associates are suing me for a charge off account and the original creditor was citifinancial. what do i do about this issue?

Sub: #9 posted on Thu, 05/21/2009 - 23:44


What state do you live in? When was the last time you paid on the account? What else came with the summons? More info please.

Sub: #10 posted on Fri, 05/22/2009 - 04:31

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(Posts: 4671 | Credits: )

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