Portfolio Recovery Associates
Calls me when they are not even open for business! Norfolk Virginia

I've been receiving phone calls from this company on my home phone. We just moved here so I assume that they are calling on the debt belonging to another party.

They generally call after their own business hours, and they often call after 9:00 pm. An automated voice tells me to please call and provides a #. I call and am told by another automated voice that the office is closed and that I cannot leave a message in the general mail box.

I have only been able to talk to an associate one time. I gave them my phone number and they denied that they had ever called me! I refused to give further information. The associate said that without my full SSN she couldn't look up "my" file.

I declared bankruptcy in 2002 and have kept my nose spotlessly clean since then. I learned my lesson and am greatful that I was given a second chance, I will not blow it. I even run one month ahead on my bills now.

The upshot is that if they are actually trying to reach me then they are in violation of Federal Bankruptcy laws. I kind of hope that they are trying this. After reading these reports, I want to get a little payback for everyone who has experienced FDCPA violations.

See, I used to BE a debt collector. I was an inbound collector so I only talked to customers who called in to pay. I know the FDCPA inside and out. Not only that, but I was a debt collector in the state of VA. Why is that important?

Because I know that VA is a one party notification state, meaning that only one party of a telephone conversation needs to know that it is being taped for that tape to be used in court. At the beginning of the call I will simply establish that they are in Virginia and then I will turn on my tape recorder.

It may take me some time to post an update, but I will. If it turns out that I am not the person from whom they are trying to collect, I will let you know that, too. I'll let you know how long it takes for their blasted calls to stop.

I actually get calls from other collectors looking for a man named "Dennis" so I assume he had this # before me.

If you want to know more about one party notification, you can look up the basics of the laws for your state here:

Http://www.callcorder.com/phone-recording-law-america.htm

Company: Portfolio Recovery Associates
Country: USA
State: Nationwide
Address: 120 Corporate Boulevard
Phone: 8778030008

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