Portfolio Recovery Associates
Reviews and Complaints

Ghost, why is that?

That can't be the same Nicole on my3cents. Well if each site can have their very own Brenda, it guess that could be true for any name.

Please disregard. I posted a comment, logged in, then read the Portfolio Recovery complaint and my comment was placed here.

Regarding Portfolio Recovery (and any of the other fraudulant debt collectors), save and document EVERYTHING. Enlist the assistance of your State's Attorney's office to stop the illegal activities of these companies. With submission of full documentation, collection of bogus "debts" can be stopped.

RatePoint does NOT publish all submitted reviews. Company can pick and choose which ones to show to potential customers.

I too had an issue with them. They kept calling my home, and then my cell phone. I talked with them multiple times and it turned out to be an error and I owed nothing, but the calls continued for over a year, every day and night.

These people refuse to send me any kind of info about my accounts. I had my house broken into and all of my credit information is missing from the house! I called them up to do a payment plan and they tried to record my voice agreeing to take money out of my checking account. Do not do business with these people. Get a lawyer if you can.

These people keep calling me and calling me. They bought an old debit I had when I went bankrupt. I tried to make payments to the original debtor but they never deducted the payments and sent me during that time to a debt creditor despite our agreement. I listed them in my bankruptcy. Now I hear from these portfolio people at least once a week from various states. It's harassment and I am convinced after speaking to them they are nothing more than criminals. The last call they apologized profusely after I walked them through the whole thing again. They asked me to send them proof of my bankruptcy. However, I do not feel obligated since It had nothing to do with them in the first place. I kind of feel like when will it end? It all began in 2011 and this is 2016.😕 I was forced into bankruptcy due to identity theft in the first place. I hold out no hope for ever having good credit again.

i had a capital one credit card in 2000 and i paid it all off and i even mail in my destroyed the credit card and got a latter from capital one stating that they receive the destroyed and now 10years later they started to harassing about a bill and the account has ben close out now for 13teen years ...and this a sam dont send them any money...

Tolleson..
If they are accessing an account that you did not grant them access to they are comitting a crime.
Bottom line is to NEVER EVER give them access to a bank account. Pay by money order or Bank Check.
And never agree to anything unless you get it in writing first. If there is no written agreement prior to any payment then send them nothing.

I'm dealing with that same exact issue. I've canceled 2x now and I'm still getting charged. There is no one to call so I feel stuck.

change your bank account. close that acct and open a new one where they can't take anymore money. anytime time you make a agreement with idiots like these get them in writing. send your correspondence via certified mail with return receipt requested. any time their mouths are moving they lie. get the paper work they sent to you for the agreement and keep til you die! If it's an old debt they can't do nothing about that but piss in the wind over and threaten you with BS lies. If you didn't pay the debt years ago why would they buy a debt thinking you would pay it now? F&^&* idiots.

Reverse boycott. We can destroy their cost/benefit ratio by consuming their service.

When a company can repeatedly call with the intent of getting money their customers can repeatedly answer or call back with the intent of not giving them any. They need people to pay with as little talk as possible. They don't want to talk with people who know they are never going to pay. Be all talk and no pay. Answer when convenient. Call back. Give no information. Verify nothing. Ask as many questions as you can. Answer none.

Don't ignore/block/report them. It doesn't work. These folks want you to ignore them for as long as you can stand to or until you give them something valuable like money or information. Ignoring them is being their good customer. Sending a cease and desist is giving information. It lets them know you are still alive and remain their good customer. Their legal model is less vulnerable than their business model. Preparing to initiate unlikely individual legal battles is being their good customer.

Be their bad customer. Make them talk to you fruitlessly for as long as they can stand to or until they stop selecting you as their customer. These companies cannot spend seconds much less minutes on the phone with every person who will never send them a dime. But they don't know who that is. You do. That knowledge is power. Every second you can keep their staff on the phone will render their business less profitable giving them a reason to never call you again.

Calling will not reset your SOL. Making a partial payment will.

I like to ask general questions they should but usually won't answer. "May I have the name and address of your agent for service of process?" Calmly and slowly ask them to spell every word in the address. Read it back for verification. Control the pace. If they are rushing then politely ask them to slowly repeat. "Are you a corporation and if so in which state are you incorporated?" Repeat your questions when you don't get direct answers. When they won't answer a question ask, "Would you like to comply with the business and professions codes of your state?" That is usually the point when they hang up on me but if they say they want to comply then begin your questions again.

Repeat while you have the spare time. These folks have many victims and few operators. If everyone calls back but pays nothing the mass auto-dialer business model becomes unprofitable. Don't aide and comfort the enemy by ignoring them. Call! Have a nice long slow friendly chat! Make them hang up first.

Press 2 for Spanish.

For any business, customers who consume the most resources but don't pay (or otherwise add value) become the least desirable. Most businesses will stop (cease and desist) soliciting an undesirable customer. Those that don't stop remain knowingly vulnerable to the actions of their undesirable customers. Few companies can afford to let everyone take a piece of them whenever they want endlessly. For instance they must pay staff to answer everyone's telephone calls which can be placed at your convenience for the joy of it. Call and consume their operator time without paying or giving information. Be a bad customer. The worst customer. Inspire them to invoke their right to refuse you service by not soliciting you.

There are certainly enough victims with unlimited long distance to take down this company so ignoring/blocking seems downright Orwellian to me. Really? We're just going to passively submit and go with a block list or however we manage ignoring an endless stream of unwanted phone calls day after day? Hell no! Unite or remain conquered. Answer/return every call - become well practiced at keeping these folks on the phone - or count yourself not amongst the free.

Oh yes, I forgot to say thank you for the opportunity to get the message out about Portfolio Recovery and its harrassing policies. These people deserve to be tarred and feathered and driven out of jobs.

I have been getting calls from Portfolio Recovery too. The minute you answer the call, they started asking to speak with a person (Name given). When I told them that the person did not live here, I still got calls. Today, I got a call on my cell phone! I can not believe that I am being harrassed over a debt that has nothing to do with me except association by last name. I am truly fed up and am composing letters to send to the FCC, Postmaster General and Better Business Bureaus. It may not do any good, but it will certainly make me feel better.
This company and its employees are nothing but lint licker bottom feeders.

Portfolio Recovery Associates says they use specially designed software that helps them pinpoint the consumers who are worth the expense to pursue and go after them when the time is right. Sounds like a lion waiting to pounce on its victim and, in the case of PRA, that sounds about right. http://www.castlelaw.net/blog/are-you-receiving-harassing-calls-from-portfolio-recovery-associates-.cfm

Sounds likely that this is a "zombie" debt - one that was long ago not collectable because the statute of limitations (SOL) has run. The SOL is a limited time period under contract law in which you may be sued on a credit card debt. That time period usually runs from the date of the last payment which you made on the account or the from when the card was last used. This time period varies from state to state but generally the longest statute of limitations on a credit card debt would be six years and is shorter in many states. Companies or individuals who are trying to collect on a debt and threatening to sue and which they have reason to believe is not enforceable in court due to that time period having expired are breaking the law and should be reported to the FTC and the Attorney General of the state you are a resident of.

Under the Federal Fair Debt Collection Practices Act, you don't have to run hoops to get Portfolio and similar ### to stop calling you. Section 806, subdivision 5 provides (effectively) that repeated unwanted calls where the recipient communicates that he doesn't want further calls is harassment. Moreover, local laws governing harassment apply.

Don't let anyone tell you that you need to send Portfolio registered letter. They don't deserve it. You don't have to send a registered letter to get ### to stop harassing you! Just tell them in no uncertain terms you don't want them to call.

If they continue (and they will) take police or civil action if you have the inclination; otherwise, HARASS THEM. Call them three times and scream at them for every nuisance call. Abuse them heartily. That seems to stop them. They can't complain about your harassing _them_, because if they don't want contact they shouldn't be calling.

Stephen R. Diamond
http://juridicalcoherence.blogspot.com

Just let all calls go to voice mail.

Do not let it get you upset.

Record it and call 911...

Portfolio Recovery Associates starting calling my wife and I in 12/2008 in an attempt to collect on a debt from 11 or 12 years ago. I have since learned that this is a new tactic by the collection agencies to make money. This debt is referred to as 'zombie debt' because it is supposed to be dead and gone but has been unscrupulously been brought back to life. When my wife and I got married, the first thing I did was pay all her debt and clean up her credit report. She has had a 750 credit score for the last several years. Neither of us recognize the $1300 debt for a credit card that they are trying to collect. They sent us an odd from that requested all sorts of personal information so they could 'investigate the debt'. I don't trust this company so I'm not about to give this info.

I also am going through the very same, unfortunately capital doesn't want to do the right thing.They took a $259.00 dollar balance that was paid off, then turned it into a 1300.00 dollar balance, now keep in mind that this is from 2004.Give me a break, these scam artist need to be dealt with, they have threatened me as well, doesn't even show up on any of my credit reports, probably due to the fact that the balance was paid in full and the card destroyed, so now unfortunately I have to go through the hassle of hiring an attorney to protect myself from them.

CROOKS

I HAD A CREDIT CARD DEBT FROM 12 YRS AGO FOR 20 GRAND. 2 YEARS AGO SOME HOW THIS COMPANY GOT A HOLD OF THIS AND SAID IT IS NOW 44 GRAND CAUSE OF LATE FEES AND INTEREST.THEY HAVE GARNISHED MY WAGES TO THE TUNE OF 14 GRAND TAPPED MY CHECKING ACCOUNT AND I JUST GOT A LETTER SAYING IT HAS GONE TO 58 GRAND WITH THE NEW CHARGES AND THEY ALREADY HAVE 14 GRAND OF MY MONEY.THEY WERE RUDE AND MEAN ON PHONE TO ME TOTAL JERKS.I HAVE A ATTORNEY NOW AND ARE GOING AFTER THEM AND CONTACTING THE BBB.THIS COMPANY IS THE LOWEST OF LOW.THE BANKS ALL GOT BAILED OUT THAT WERE PAYING FOR AND THERE COMING AFTER ME FOR 58 GRAND.I LOST MY JOB 3YRS AGO AND TOOK A HUGE PAY CUT. WE JUST NOT TO LONG AGO ADOPTED A BABY GIRL AND THESE CROOKS ARE KILLING US FROM SOMETHING FROM 12 YRS AGO.

I am in a similar situation from the same company. The debt they're trying to collect dates back to the mid 1990's. I know the debt has been charged off and the statute of limitations has run out long ago. Yet they still call me from several different areas of the USA and use false names like Skyrocket Did. I have never answered a call from them and do not intend to. This "zombie debt" from what I can make of it is noncollectable. I have checked several web sites to confirm this. It seems like a game of who can hold their breath longer so far it's a tie but I intend on winning.

For almost 2 YEARS I've been getting phone calls from Portfolio Recovery.
They would call 2, 3, 4 times a day, 7 days a week from several different phone numbers (all traceable back to them).
They would always - ALWAYS- get my answering machine and not once did they leave a message stating who they were, who they were looking to speak to, what their business was with the person they were calling, or what debt/company they were collecting for. NOT ONCE. So, I wouldn't ever call them back.
They just kept on calling.
Now, 2 yrs and some months later, they claim they got a 'judgment' against me, (I was never notified by mail or otherwise of this)
and have actually GARNISHED MONEY from my personal savings account! That is OUTRAGEOUS!
WTH! Can this company get away with this? Who makes the laws that allow this to happen?

I called these lousy rip offs today, and was told they bought a credit card debt from Capitol-1 back in 2010, and they have been unsuccessful in collecting on it... soooo... Garnish time!
Wait a minute, I said, I want to dispute that debt with Capitol-1... I don't owe them anything, as a matter of fact, I currently have two perfectly good credit cards with them that go back to at least that point in time; no problems, not even late payments! Why in the world would they give me two more credit cards if I still owed them money on another one?
They said, "Oh they sometimes do that - once they write off a debt from the past... but now WE legally OWN that debt and we are collecting on it. "
I said well I dispute that "old debt" because I don't believe I EVER owed that money, now, or back then".
They said, essentially- "Too bad. You should have picked up the phone all those times we called and worked out a payment plan with us. You owe US the money now. It's too late to dispute that - we got a judgement. You needed to dispute it back when Capitol-1 was trying to collect".
I said again-- "I had nothing to dispute with capitol 1, because I was never in default with capitol-1! Don't you think it's POSSIBLE that debt was sold to you or was somehow listed as mine in error?"
"Well, she said, it could have been, but it's too late now because you didn't call us back all that time and explain that. Besides, we have your social security number, so it's you for sure."
We exchanged a few more words, I saw I was getting nowhere, and her last words to me were:
"The only thing left to do now is pay the approximately $1200 in a ONE-Time full payment - which is the amount of the debt we bought."
I said really? I've never had a credit card from anyone with more than a 500 credit limit. My Capitol-1 credit limit _now_ is only $300 per card. You won't see a dime."
And I hung up in frustration. Now I can't have a savings or checking account (in my name alone) because they WILL steal my money out of it again . HOW DO I STOP THESE PEOPLE?

They called me several time trying to say I owed a phone bill to South Western Bell when I've always had Verizon as my phone company.
I hired WeStop DebtCollectors Law Firm and sued Portfoilo Recovery Assoc. They won me $1000 from the ### debt collectors and they never call me anymore. Wish they would so I could sue them again.

trying to collect on a debt from 1998 and stated one from 2000

First check your state laws, even if debt expired they can't go after you, most of there tactics are to scare you. So they call every day to break you down, they don't even know what the debt is!

Contact a lawyer who specializes in FDCA (Fair Debt Collections Act). They are clearly in violation. You can sue them, and its very easy. I sued 2 collection agencies and won both cases. Boy that p*ssed them off!

I was contacted in reference to a 16 yr old credit card bill for my husband (who i am currently separated from) and was told that i am legally responsible for a bill to which i had no knowledge of in the first place.They stated that they had my ss # and asked that i recite it to them(ignorantly)i did. they stated that i must make payment arrangements to satisfy the debt.i believe that the statue of limitations has exhausted on this issue and informed them of my knowledge they insisted that the debt be paid.

Mica you are obviously either deluded, paid by PRA or both! No-one has to give their name let alone SSN to any phone caller. Also a VD letter is a minimum requirement for any company wanting to collect debts owed previously as correctly stated before.

Of course if you would like to contact me with your SSN, current address and phone number I will remove your bad credit report and stop trying to harass you LOL.

I also guarantee that your info won't be sold to hackers or ID theft companies ;)

You should really read up on both the Statute of Limitations and what is enforceable regarding old debts too before running off at the mouth. PRA specialises in buying debt at 1-3 cents on the dollar then trying to get the debt reinstated via intimidation not conciliation.

By the way everyone try Googling John Fuller the CEO of PRA and you will find it very enlightening :)

Uh 16 years? It was 16 years since the bill was paid or it has been active that long? Cause if since the bill was paid yes the statute of limitations ran out and they are just trying to get easy cash.

Next time ask them to provide proof of the debt. That means they have to prove the debt is yours, and also that they are the ones that have a right to collect on this said debt. Usually when you do that, the collection agencies will try to bs you to call the creditor and such. Not your responsibility it is theirs. Also, I don't know what state you are located in but if you can record without having to tell them awesome. Here is a site that lets you know what the laws are regarding this, http://www.rcfp.org/taping/.

Also here is a site to find consumer advocates in your area, http://www.naca.net/ . They will be better able to help you out.

Portfolio Recovery Associates, LLC (incorporated in the Commonwealth of Virginia; listed
on NASDAQ stock exchange, as PRAA): started calling me back in June for a credit card
debt from 19911 - Statue of Limitation had run out and after 7 years cannot be on my
credit report. Their representatives (EXTORTIONISTS) always stated: "this call is to collect a LEGAL DEBT."
This IS NOT a legal debt because they have NO LEGAL REMEDY AVAILABLE TO COLLECT
the debt! I filed a complaint on-line with the FTC; complained to my Congressman;
and advised Judith 'Judy' Scott (Corporate Secretary/Legal Counsel) not to call me
again! I have not been called since I put Portfolio Recovery 'ON NOTICE' not to call!
Also, in my complaint to the FTC, I suggested they be prosecuted under RICO statutes
for extortion.

Further to my earlier comments I tried using the email provided and got a polite email stating that the number would be taken off their call list. This seemed to work for all of three days before they started calling again.

I have called them several times but every time I advise them that the call will be recorded they hang up on me. If they are legit then why hang up just because what they say can be used against them? The only reason I can think of is that they know it's illegal to chase these debts and don't want to be caught out.

Also perhaps PRA would like to explain why they are using the signature of a long dead woman on their affidavits too. Link here: http://www.fdcpa.me/portfolio-recovery-associates-zombie-robo-signer/

Perhaps PRA would also like to comment on why they are using a long dead woman to sign their affidavits too. The link is http://www.fdcpa.me/portfolio-recovery-associates-zombie-robo-signer/

TURNER LAW OFFICES, LLC ANNOUNCE FILING OF A CLASS ACTION LAWSUIT AGAINST
PORTFOLIO RECOVERY ASSOCIATES, INC.
FOR VIOLATIONS OF THE
TELEPHONE CONSUMER PROTECTION ACT

ATLANTA, GA--The law firm of Turner Law Offices, LLC has filed a Class Action lawsuit against Defendant Portfolio Recovery Associates, Inc. ("PRA") in the United States District Court for the Northern District of Georgia on behalf of all persons in the State of Georgia who, since October 28, 2010, received a non-emergency telephone call from PRA to a cellular telephone through the use of an automatic telephone dialing system or an artificial or prerecorded voice and who did not provide prior express consent for such calls during the transaction that resulted in the debt owed. The action is captioned Kimberly Bartlett v. Portfolio Recovery Associates, Inc., and is numbered 11-CV-00624.

According to the Complaint, PRA violated the Telephone Consumer Protection Act ("TCPA") by using automatic dialing systems or an artificial or prerecorded voice to contact cell phone users about purported debts without their prior consent. As described in the Complaint, Ms. Bartlett, the named plaintiff in the action, was repeatedly contacted since October 28, 2010 on her cell phone about a purported credit card debt. The Complaint avers that Plaintiff never consented to those calls, nor did she provide PRA with her telephone number.

Under the TCPA, PRA could be ordered to pay attorneys' fees, litigation expenses and costs of the lawsuit, and statutory damages of $500 for each negligent violation, and/or $1, 500 for each knowing and/or willing violation. According to the Complaint, the potential Class Members are estimated to number in the tens of thousands.

TURNER LAW OFFICES, LLC ANNOUNCE FILING OF A CLASS ACTION LAWSUIT AGAINST
PORTFOLIO RECOVERY ASSOCIATES, INC.
FOR VIOLATIONS OF THE
TELEPHONE CONSUMER PROTECTION ACT

ATLANTA, GA--The law firm of Turner Law Offices, LLC has filed a Class Action lawsuit against Defendant Portfolio Recovery Associates, Inc. ("PRA") in the United States District Court for the Northern District of Georgia on behalf of all persons in the State of Georgia who, since October 28, 2010, received a non-emergency telephone call from PRA to a cellular telephone through the use of an automatic telephone dialing system or an artificial or prerecorded voice and who did not provide prior express consent for such calls during the transaction that resulted in the debt owed. The action is captioned Kimberly Bartlett v. Portfolio Recovery Associates, Inc., and is numbered 11-CV-00624.

According to the Complaint, PRA violated the Telephone Consumer Protection Act ("TCPA") by using automatic dialing systems or an artificial or prerecorded voice to contact cell phone users about purported debts without their prior consent. As described in the Complaint, Ms. Bartlett, the named plaintiff in the action, was repeatedly contacted since October 28, 2010 on her cell phone about a purported credit card debt. The Complaint avers that Plaintiff never consented to those calls, nor did she provide PRA with her telephone number.

Under the TCPA, PRA could be ordered to pay attorneys' fees, litigation expenses and costs of the lawsuit, and statutory damages of $500 for each negligent violation, and/or $1, 500 for each knowing and/or willing violation. According to the Complaint, the potential Class Members are estimated to number in the tens of thousands.

Perhaps PRA they would care to comment on why they are still charging interest and collection fees on West Virginia debtors when state Attorney General Darrell Mcgraw has already ordered you to cease and desist once. As I'm sure your crack legal team is aware, West Virginia law on credit card debt, freezes the amount of the debt to what the debt was at the time of default and interest, penalties, and collection fees are forbidden on state residents. Yet I have forwarded the AG's office multiple copies of your "settlement offers" in which the amount of the debt mysteriously increases on both your correspondence and the debtors credit report, without any explanation. The good people in the AG's office were VERY interested in this information, as I'm sure you know they are probably the most pro-consumer AG's office in the nation and have sued and barred multiple debt collection operations from doing business in WV. If things go the way I expect them to, you may have to soon change your motto to "Operations in 49 states."

Perhaps PRA they would care to comment on why they are still charging interest and collection fees on West Virginia debtors when state Attorney General Darrell Mcgraw has already ordered you to cease and desist once. As I'm sure your crack legal team is aware, West Virginia law on credit card debt, freezes the amount of the debt to what the debt was at the time of default and interest, penalties, and collection fees are forbidden on state residents. Yet I have forwarded the AG's office multiple copies of your "settlement offers" in which the amount of the debt mysteriously increases on both your correspondence and the debtors credit report, without any explanation. The good people in the AG's office were VERY interested in this information, as I'm sure you know they are probably the most pro-consumer AG's office in the nation and have sued and barred multiple debt collection operations from doing business in WV. If things go the way I expect them to, you may have to soon change your motto to "Operations in 49 states."

If we all do our homework I bet we will come to the collective conclusion that Portfolio Recovery Associates' owners and leadership are the same individuals who were stealing your mortgages and selling you bad mortgages at the height of the Housing Market Boom. Trust me, I know for a fact this is the case with at least 90% of Debt Collection companies that started up at around the same time the Housing Market was crashing. Don't believe me, do some research online into the players in the Debt Consolidation, Debt Recovery, Credit Repair and Mortgage Repair services. I'll bet 90% of the heads of these kinds of companies are indeed the same people who ran the mortgage companies who screwed up the American economy. Now that they've screwed it all up, time to clean up their mess by sucking up whatever money is still floating around.

If only we Americans could stop feeding these incessant vultures. Learn to live within your means. Yes, we understand you must look good in your social circles, but at what cost? Your future? Your finances? Your life? Get real! Want to live a better life, get an education and apply and enhance your skills, this will bring you to a better bankroll and a simpler life. Stop feeding these fat pigs.

On 05/11/09, I received a letter to resolve the above mentioned account . I have a letter of adverse accounts dated 05/17/07 from Transunion that shows this acct. from Capital One Services was closed 09/2002 and will be removed 10/2008. What's up ?

Contact a lawyer who specializes in FDCA (Fair Debt Collections Act). I was being sued by these fools and ended up counter suing and won big time! They even had to pay my lawyer fees. Check your State laws requarding the statue of limitations on old debt. Most States only allow 6-7 years to collect, some even less. Call a lawyer now!

I had this happen but they wouldn't/couldn't tell me my original debter! Nor the original amount! They've been haunting us for years!

Same thing happened to me, a 10 year old credit card I myself closed and left in good standing came back to bite me by way of Portfolio Recovery Associates. After going through my credit and asking the credit card company to send me letters stating the last known status of my credit card account(s), it was as I had remembered it being, both accounts closed in good standing. So why are they buying our information, shouldn't we be protected. I understand the law allows financial institutions to share customer information for those accounts with bad debt, but why are accounts left in good standing being sold as well? Isn't this a Federal Offense? Why isn't anyone doing anything about this? So after all my evidence I had them remove the collection account from their systems, whatever that means, probably means they've moved my account information to a resell database. Now after having gone through all this on some non-sense fraudulent debt, they have the audacity to send me a letter to ask my permission and signature to have the credit bureaus remove any inquiries they've made into my credit report. I quickly called them back to let them know I wasn't going to give them permission to mess around with my credit report, then a few days later a letter in the mail states they were informing me of their intent to have the credit bureaus remove any inquiries they've made on my report. Isn't this illegal? Now I will send them a letter and fax and follow up with a phone call requesting they stop fiddling around with any of my information, my credit report, my life period no nothing. If I find anything in my credit report regarding these guys after my phone call is placed, its time to play ball. Who wants to join my team?

This is true about the phone calls, regardless if I pay my bill on time continuously every month the calls continue to come .and they try and convince me the only way the calls will stop is that I arrange for my payments to be debited from my checking account I don't think so because it shouldn't matter if the payments are made by money orders or cash shears check or any other sources long as it is paid . Also I never receive monthly statements from portfolio recovery what is up with this company..

Portfolio will never stop calling, and they want you to know that. They want money for old debts they claim to have purchased from banks and such. They do not care that much of what the bought is well past the SOL and will not advise you of that. They have twenty year old debt they try to collect on. Be smart, if your debt is past the SOL (check your state and how to determine your starting date) than do not pay them. If you want to pay off old debt then pay the original creditor. Portfolio will call until you send a C&D letter or give them money.

Yea JD when my mothers long term boyfriend passed away we kept getting letters from the IRS (you would figure the government would know he was dead especially considering he had a military funeral on the government dime) saying he owed them a ton of money. I called like a dozen times and explained he was dead but we couldn't get a death certificate since we weren't legally family and still the letters came so I went to the cemetery and took a poloroid of his gravestone and mailed it to them. Never got a letter after that lol