This company called my home number on December 06, 2010 at 6:09pm stating they were attempting to collect a debt on a vehicle that was purchased in 1999? They could not tell me anything about what year, type or model of this vehicle so I ended the call, I was very leary of this and the fact it was supposedly bought in 1999.

This company keeps calling daily and will not stop even though I tell them they have the wrong individual and that I will not verify anything with them. They start at 8:30 am and call as late as 7:30 pm and call from different numbers so I cannot block them all. They will not mail out any proof of what they are supposedly collecting for and threaten me with affecting my credit.

They are trying to get me to pay a credit card bill on which I was the "secondary cardholder". This means another person is responsible for paying the bill, but my name was on the card. This is not "cosigning". Cosigning is where a person signs that they will pay the bill if the person who holds the card defaults. In this case my Father was "primary cardholder". I don't know exactly how much he owed, but I used the card and charged $2000. This was all unsecured debt meaning he had not put up anything as collateral. He died in 2006. We needed money so, my Sister got my Mom to mortguage the house. As a condition of the loan, we had to pay all debts. The loan company paid off all credit cards and all other debt including the debt that Portfolio Recovery is trying to get us to pay. The loan company has a receipt of their payment on behalf of my Mother. Portfolio Recovery is trying to "double dip" by trying to get me to pay a bill that my Mother paid for my deceased Father in 2007. They think that because my name was on a card that I have to pay. They are just trying to get money. They call constantly. They try to wear me down. We paid this bill in 2007 via the mortguage company. I don't know why Capital One Visa sold them this closed account. I don't know where they got this information. Capital One never called me probably because they knew I was not responsibe for paying. They card wasn't even in my name. They must all think that I'm a dumbass and don't know what a secondary cardholder is. I didn't sign any papers to own any credit card ever. I wouldn't qualify anyway because I never made enough money and never held a job for the 46 years that I have been on this earth as I am mentally disabled. I don't owe this debt and never did. All of my Father's debts have been paid. Good luck to these criminals. I guess they thought "at least we can try".
Even if I owed this debt they don't understand "you can't squeese blood out of a turnup". I can't work, am on welfare, and don't have anything to do except dog cuss them every time they call. I'll be waiting. LET EM CALL!. They're just blowing smoke up a mule's ass and are going to get kicked. My friends have notified the DA's office and my Dad worked for DOD for 30 years, and coached world class amateur sports, so I have some contacts in different spheres of influence. Portfolio has been calling my Mom for a couple of years trying to get her to pay credit cards that no one in this family has ever seen. She's mentally ill too and loves to chat with them about her childhood in Arkansas 60 years ago. My grandfather was a deputy prosecuting attorney for that state. My main mission is to protect my Mother. I watch her 24/7. Then I have someone who watches and protects me. This company will never get any money from me. They sent a letter saying that they were going to automatically deduct $700 from my Mom's credit union account. We had the Vice President of Finance at the credit union put a lock on her account. Portfolio said that my Mom had authorized the deduction. They are liars. My Mom nor anyone else authorized this deduction. She doesen't even know her account number or what a routing number is. The transaction never went thru. They called and said she gave them the wrong account number. I told them that she didn't authorize the transaction. They asked "How then did we get the account number?". I said "You tell me and we'll both know". Truth is they either got a bad number from the company that hired them or sold them the debt to collect, which is illegal, or they were just lying and never had an account number. They tried to get my 70-year old mentally ill mother to give them her account number so they could take money out of her account. If they had succeded we wouldn't be able to pay the mortguage and would have faced possible forclosure and we would both be on the street. My Mom just laughed and babbled some crazy story that happened in Arkansas 60 years ago. They are trying to steal from a little ole mentally ill widow who's husband protected the country from criminals like Portfolio. Even Al Capone wouldn't have done this. They aren't worthy to lik Al's feet. They are just a bunch of degenerate, low-life, wannabees. It's just a matter of time before the Justice Department shuts them down. No telling how much they have extorted. They are ripe for the plucking. A good lawyer or the government should sue them. Anyway don't pay them anything. They just go back and look for old financial records of transactions that have been paid and forgotten about. Since most people don't keep records that long, they try to fool people into thinking that they owe money. Just an old scam. I think O'Bama could step in and tell Portfolio Recovery that "the party's over", then fine them for breaking the laws. They prey on mentally ill people and widows. They think we have no power. Well see what happens to them. Anyone that has ever crossed me has met with ill fate, though not of my doing. It just happens. May Good Always Triumph Over Evil!

Statesboro Ga News

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Hey consumers,

Did You Receive a IRS 1099-C from Junk Debt Collector Portfolio Recovery Associates?
SBM Staff


Originally I had read about Portfolio Recovery Associates Inc. sending out questionable IRS 1099-C Misc Income statements in October 2009. From what I have gathered are: (1) these are time barred debts (past state statute of limitations), (2) that the amounts being reported are the face value of an alleged debt, when Portfolio Recovery Associated may have only paid pennies on the dollars for the debts that they are sending 1099’s for, and (3) consumer has never done business with Portfolio Recovery Associates (no business to consumer transaction), (4) no products or services we provided to the consumer by Portfolio Recovery Associates, (5) that Portfolio Recovery Associates may or may not have proper documentation of the debt.

From a FMD Consumer reader (March 1, 2010)

Portfolio Recovery - "After years of harassing phone calls, I sent them a cease & desist letter. Their response was 8 1099'c in the amount of $80k.

They are trying to write off dollars amounts on debts that are not theirs. They are scamming the people and the IRS. My 85yr. old husband is frantic. Could you possibly help or direct?

They apparently laugh at lawsuits as they are not new to them. But, we are, and it is making us crazy. Are you aware of class action lawsuits in this matter? PLEASE, PLEASE, HELP!!" ~ Fran S.


If you have received such IRS 1099-C forms/statements from Portfolio Recovery Associates there are several things you can do.

It is imperative that all consumers that have received such 1099 forms to notify authorities so that enough complaints are lodged with the IRS, FTC and US Postal Service that they take action. By not doing so you are allowing Portfolio Recovery Associates to continue this questionable and possibly illegal activity.

As a reminder I am not an attorney nor may the information contained here be construed as legal advice. The information contained here are merely suggestions on how to deal with this issue.

First of all don’t panic.

Secondly, dispute the debt with Portfolio Recovery Associates, Inc. If you have already done so in the past do it again and send it certified US Postal mail so that you have proof that you have.

Secondly you should contact the Internal Revenue Service (IRS) by sending them an “Affidavit of Fact” regarding the 1099-C form you received (attach a copy to the affidavit). An affidavit can be a simple written or typed statement containing one or more of the following:

1) I have never had an account with Portfolio Recovery Associates, Inc.

2) Portfolio Recovery Associates, Inc. and I have never entered into any type of written agreement.

3) Portfolio Recovery Associates, Inc. has never presented me with any goods or services.

4) The account referenced by Portfolio Recovery Associates, Inc. is long past my State statutes. (If this applies).

5) I have never done business with Portfolio Recovery Associates, Inc.

Be sure to sign and date the affidavit and have the affidavit notarized, send it to the IRS via certified mail so that you have a record of delivery. Attach a copy of the 1099 form to the affidavit.

Now it’s time to bring Portfolio Recovery Associates Inc’s activities to the attention to the authorities, namely the Internal Revenue Service, Federal Trade Commission and the US Postal Service (mail fraud complaint).

Since you have never done any business (consumer to business transaction), and following the assumption that Portfolio Recovery Associated didn’t pay the full face value of the alleged debt the first order of business is to file a complaint with the Internal Revenue Service.

Report Suspected Tax Fraud Activity
http://www.irs.gov/individuals/article/0, , id=106778, 00.html

Next is has been suggested to file a “mail fraud complaint” with the U.S. Postal Service.

https://postalinspectors.uspis.gov/forms/MailFraudComplaint.aspx

Portfolio Recovery Associates, Inc. (collection agency)
120 Corporate Blvd., #100
Norfolk, VA 23502
www.portfoliorecovery.com
IRS No.:753078675 (DE Corp)
NASDAQ: PRAA

Third, file a complaint with the Federal Trade Commission (FTC) at:

https://www.ftccomplaintassistant.gov/

Lastly, it might be prudent to retain an attorney that is familiar with fraudulent business activities and find out if you have an actionable case against Portfolio Recovery Associates Inc. I do believe that if such cases were filed that the consumer would wind up winning. If it ever happens to me you can bet I’ll be litigating and publicizing it.

Remember there are more consumers than debt collectors, consumer need to band together to fight and publicize questionable and illegal debt collection practices. The Federal Trade Commission so too slow to take remedies against bad debt collection tactics, so we must step forward and begin the “fight” ourselves.

If we sit back and do nothing, then nothing will happen. On the other hand, if we all band together then we can b eat these turkeys at there own game.

i have asked them to stop calling me at work and i still get calls on a daily basis . and then they blow up my cell phone with calling. they have even called my son;s phone
he told them more than once its not my phone but they harrass him daily too