- Important - No debt owed to Portfolio but they keep calling? You still can receive up to $1,000 if their actions violate the law.
Is Portfolio Recovery Associates Calling or Harassing You?
Legal Rights Advocates has your solution, we can:
- Eliminate the debt
- Stop the harassment
- And get you up to $1000 if they violated the law!
STOP DEBT ABUSE NOW!
FREE CONSULTATION:
(855) 254-7841
Stop Harassing Collection Calls From Portfolio Recovery
Approved under the consumer protection act, the Fair Debt Collection Practices Act (FDCPA) protects your rights against unfair, abusive and deceptive collection behavior.
FDCPA violations by Portfolio Recovery Associates may include:
Call more than 5 times in one day
Calling before 8am or after 9pm
Use any abusive or obscene language
Contact any third party stating you owe a debt
Violence threats or any intent to harm you
Ask to pay more than what is owed
Make false or misrepresenting claims
Legal threats that you'll be arrested
We're Ready To Fight For You
Cash Compensation
Receive up to $1,000 in compensation.
Trade line deletion
Removal of negative reporting to credit
Debt Waiver
You will be paid in full amount
Cease and Desist
All communication from collector to consumer
Who is Portfolio Recovery Associates?
Portfolio Recovery Associates is a debt collection company that buys debt from bankruptcies, among other sources, including credit card debt. Typically, a company that buys debt gets paid once the debt is settled. As a result, they pursue debt recovery diligently, and at times, are liable to employ aggressive tactics as well.
Portfolio Recovery Associates typically collect debt on behalf of banks, retailers, student loan lenders, etc. and have reportedly contacted consumers through phone calls, leading to charges of trauma and harassment.
Why Is Portfolio Recovery Calling Me?
If Portfolio Recovery Associates (PRA) is calling you, it’s likely because they believe you owe a debt that they now own. Here’s how the process typically works:
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When an original creditor (like a credit card company or bank) is unable to collect on a debt, they often sell it off to a debt buyer for a fraction of the owed amount.
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Portfolio Recovery Associates is one such debt buyer. They purchase old debt accounts, then attempt to collect on these debts to make a profit.
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If PRA has purchased a debt that they believe you owe, they will likely begin a collection process. This usually starts with phone calls and letters aimed at convincing you to pay the debt.
Remember, just because Portfolio Recovery is calling you doesn’t necessarily mean you legally owe the debt. The debt could be so old that it’s beyond the statute of limitations for legal collection, or it could be a case of mistaken identity. In some cases, the debt could have already been paid or discharged in bankruptcy.
If you’re unsure about why Portfolio Recovery is calling you, or if you believe you don’t owe the debt, it’s a good idea to consult with a legal professional such as Legal Rights Advocates. We can help you understand your rights and navigate the situation. Furthermore, the Fair Debt Collection Practices Act (FDCPA) provides consumers with certain protections against harassment or abusive practices by debt collectors, and knowing these rights can be very helpful.
How To Get Portfolio Recovery To Stop Calling?
If you’re receiving frequent calls from Portfolio Recovery Associates (PRA), it’s essential to know your rights under the Fair Debt Collection Practices Act (FDCPA). You might be wondering, “Why doesn’t Portfolio Recovery leave a message?” or feel overwhelmed by their persistent attempts to reach you. Here’s how to get Portfolio Recovery to stop calling:
Written Request: Send a formal letter to PRA requesting them to stop contacting you. After receiving this letter, they are legally obliged to stop communication except to confirm that they’ve received your request or to inform you about a specific action they intend to take.
Dispute the Debt: If you believe the debt is not yours, you can send a dispute letter within 30 days of their first contact. Upon receiving the dispute letter, PRA must cease collection activities until they provide verification of the debt.
Statute of Limitations: If the debt is old, it might be beyond the statute of limitations for collection. If this is the case, inform PRA that the debt is time-barred and they should cease contact.
Hire a Lawyer: If PRA continues to call despite your efforts, consider seeking legal assistance. Legal Rights Advocates can guide you on how to handle this situation, and our intervention may deter further contact from PRA.
Report to Authorities: If Portfolio Recovery calls every day despite your attempts to stop them, report them to the Federal Trade Commission (FTC) and your state’s attorney general office. These organizations can take action against PRA if they’re violating the FDCPA.
Block the Calls: As a last resort, you can block portfolio recovery calls on your phone. Most smartphones have a feature that allows you to block specific numbers.
Remember, you have rights when dealing with debt collectors. If you’re feeling harassed or overwhelmed by the situation, don’t hesitate to reach out to a legal professional for guidance. They can help you navigate through your rights and options.
Is Portfolio Recovery a Legitimate Collection Agency?
Portfolio Recovery Associates (PRA) is a real debt collection agency that buys and collects unpaid debts such as credit card balances, medical bills, and personal loans. They are based in Virginia and have been around since 1996. They use various ways to collect the debt, including phone calls, letters and legal actions.
However, some people have complained about the way they collect debt and they have been sued and faced regulatory actions. It’s important to know your rights and make sure that any debt they say you owe is accurate before paying anything.
Has PRA been involved in any lawsuits or regulatory actions?
PRA has been in the news for cases of harassment in the form of the following actions:
- Calling consumers at odd times, such as late at night or very early in the morning
- Not identifying themselves or providing information about themselves
- Disclosing details of the debt to persons other than the consumers
- Making threats of taking legal action, when in fact they don’t have the grounds for it
In the year 2014, PRA was one of two debt collection companies that jointly paid $475,000 as penalties on accounts that were worth $16 million. These penalties were paid because of allegations by the State of New York that the collection efforts were not legal and that some of the debts were too old to be collected.
Earlier, in 2013, it was reported that Portfolio Recovery Associates attempted debt collection without verifying existence of the debt with the persons being called or checking up on the amount owed. Prior to this, there were allegations that the company used autodialers to call consumers’ cellphones without their express approval. There are also reports stating PRA was ordered to pay compensation to consumers for telling them wrongly that they would be sued.
Portfolio Recovery Phone Numbers
If these sound familiar, or relatable, you need to report it before it consumes you. A FDCPA lawyer can help you put together your case and help you understand your obligations as well.
Note some of the numbers associated with PRA:
- 866-429-3671
- 866-430-9708
- 866-430-0311
- 866-322-6730
- 866-447-7460
- 866-447-3110
- 866-429-9131
- 866-447-0650
- 866-323-1374
- 866-429-6814
- 866-453-7686
- 866-323-1214
- 866-429-8334
- 866-321-8167
- 866-322-6970
- 866-321-8199
- 866-447-0207
- 866-321-8194
- 757-204-2324
- 206-681-9279
If you get calls from any one of these, contact professionals without delay.
About Us
Legal Rights Advocates, PLLC is a law firm that helps clients who are facing harassment from debt collectors in any form, including telephone calls, texts, etc. Our team of attorneys, over the years, has helped countless clients get protections from debt collection practices that are deemed as unlawful and illegal.
If you are interested in learning more about how to safeguard yourself better from debt harassment, call us at (855) 254-7841 for immediate assistance.
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