These goons repeatedly call all day everyday, although I have shared with them they have the wrong number. Each time I block their number they change their number and call back again. I will continue to file with every entity that will accept my complaint someone has to do something.
I seek help in getting this collection agency to stop trying to collect on an un-collectable debt. This was a credit card balance that I included in my bankrupt claim over ten years ago. This is on my credit reort and is destroying my ability to get a good credit score in order to buy my first home.
Through several rounds of correspondence (beginning 6/16/15 and ending 8/13/15) with Portfolio Recovery Associates, LLC (a debt collector), I have insisted on the verification of a debt they are trying to collect. Despite the Fair Debt Collection Practices Act (specifically 15 U.S.C. 1692g) giving me the rights to 1) the names *and addresses* of original/current creditors and 2) *a copy of the verification or judgment against me by the original creditor*, Portfolio Recovery Associates, LLC has failed to properly validate this debt. As such, Portfolio Recovery Associates, LLC is breaking the law.
In addition, Portfolio Recovery Associates, LLC lists the date they purchased this account as 8/22/2008. In my last correspondence, on 8/07/15, I requested a full payment history since they have purchased the account (which, on each of their identical form letters, they invite me to request – but did not provide in their last correspondence on 8/13/15 in response to my request). According to the statute of limitations on debt collection in Nevada (where I live), the maximum time a debt collector has to collect a debt is 3-6 years, depending on the type of debt (NRS 11.190). Even if the debt were mine (which I am not admitting to, as it has not been properly validated), Portfolio Recovery Associates, LLC is deliberately refusing to allow me to prove that the statute of limitation on debt collection has been passed on this account – and that by attempting to collect it, they are breaking the law.
Portfolio Recovery Associates, LLC Reviews
These goons repeatedly call all day everyday, although I have shared with them they have the wrong number. Each time I block their number they change their number and call back again. I will continue to file with every entity that will accept my complaint someone has to do something.
I seek help in getting this collection agency to stop trying to collect on an un-collectable debt. This was a credit card balance that I included in my bankrupt claim over ten years ago. This is on my credit reort and is destroying my ability to get a good credit score in order to buy my first home.
Through several rounds of correspondence (beginning 6/16/15 and ending 8/13/15) with Portfolio Recovery Associates, LLC (a debt collector), I have insisted on the verification of a debt they are trying to collect. Despite the Fair Debt Collection Practices Act (specifically 15 U.S.C. 1692g) giving me the rights to 1) the names *and addresses* of original/current creditors and 2) *a copy of the verification or judgment against me by the original creditor*, Portfolio Recovery Associates, LLC has failed to properly validate this debt. As such, Portfolio Recovery Associates, LLC is breaking the law.
In addition, Portfolio Recovery Associates, LLC lists the date they purchased this account as 8/22/2008. In my last correspondence, on 8/07/15, I requested a full payment history since they have purchased the account (which, on each of their identical form letters, they invite me to request – but did not provide in their last correspondence on 8/13/15 in response to my request). According to the statute of limitations on debt collection in Nevada (where I live), the maximum time a debt collector has to collect a debt is 3-6 years, depending on the type of debt (NRS 11.190). Even if the debt were mine (which I am not admitting to, as it has not been properly validated), Portfolio Recovery Associates, LLC is deliberately refusing to allow me to prove that the statute of limitation on debt collection has been passed on this account – and that by attempting to collect it, they are breaking the law.