Received phone call yesterday (10-17-07) from some women claiming my wife owes a debt to them in the amount of $1,986 regarding Sears National Bank.
We know nothing of this debt and have never received any notice stating a debt was owed.
Thanks to the other postings here, I was able to thwart her attempt to get us to make a payment via the phone. As I know, this would automatically make the debt a valid one.
I actually pulled up this web site and read other complaints regarding Portfolio Recovery while on the phone with them. Ha ha ha.
I told her to "send it in writing" and I would take it up with my attorney. She called back again and tried to set up some form of payment plan or even a settlement amount to pay if off in full.
I did not take the bait!!! Told her "I know the laws" and that they would have to inform me in writing of the debt, at which time I will file a "Verification Request" via certified mail.
I anticipate proving their fraudulent methods.
I immediately obtained my wife's credit report from all three credit agencies (via the internet) and saw that Portfolio had listed this as a collection account dating back for over a year. They never notified us of the debt and we know my wife "never had a credit card from Sears"
This is another bottom feeding scam.
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