Portfolio Recovery Associates
Debt Not Ours: Validation Request Called Frivolous, Then Law Firm Letter

We received a phone call about this debt ($1562.00 plus interest $2530.00 total) first in May asked them to send in writing, they did in May 07... It is not our debt. We asked for validation. What they sent was our name, our current address and some old address (no state mind you) When last payment on this debt was 1998 (we didn't live at our current address at that time), the account was opened in 1992 not at our current address.

Then they sent us a letter calling our request validation letter frivolous and irrelevant and if we did not respond with more information they considered this matter close. Well so did we, it's not our debt... Prove it.

Skip forward, and we get another bill August 28 same crap... It's not our bill. My husband was about to send another request for validation... Give us more information. But before he could do that we received a letter from a local law firm, demanding payment and response within 30 days.

Our answer to them was a trip to our attorneys just 2 days after the letter... Yes it cost $200.00 but it was worth it. Come to find out, yes it is not our debt, like we said, but also it had been included in someone else's bankruptcy 4 years ago. So I hope this does it for them, if not we intend to sue!

Company: Portfolio Recovery Associates
Country: USA
State: Virginia
City: Norfolk
Phone: 8007721413
Site: portfoliorecovery.com

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