Portfolio Recovery Associates / Use your brain
WHAT YOU ARE DEALING WITH FOLKS:
They are a junk debt collector who buy huge blocks of uncollectible debt from legitimate credit
company's for pennies on the dollar. Do the math if they pay .05 to .09 cents per dollar your $1000 credit debt cost them $50 to $90 bucks, but wait they still want the $1000 plus they continue to add interest to a debt the original creditor, (for example: Chase, American Express, Capital One, HSBC, Discover, whoever) has already tryed to collect in house, placed with a collection agency, charged off, written off as a loss or paid with a portion of the ridiculous interest you are charged. So here come the junk debt collectors the bottom feeders of the credit world.
If your debt is past the Statue of Limitations in your state, (GOOGLE IT), they have no legal standing and cannot pursue you in court, although some will file in court against you so you inform the Judge this is a Time Barred Debt past the Statue of Limitations for taking Legal action and request the case be Dismissed, BYE BYE Junk Debt Collector every time.
If your debt is still within the SOL for Collection don't talk to them on the phone, make them put it in writing and then request a Debt Validation, (GOOGLE IT) most of the time they won't bother and will move on to the next victim who is unaware of their right's, The Junk Debt Collector's want money they don't want to spend money, they want it over the phone simple, fast, easy.
I know some of you think phone calls must be answered!!! If you don't know who the caller is don't answer, put the number into the Google Search Bar and find out who it is. If it is a Junk Debt Collector BLOCK the number!!! Set it and Forget it.
Don't let them Harass you, Scare you, Con you, Intimidate you, or play you for a fool. You got the credit by yourself so do some research and protect yourself, YOU HAVE RIGHT'S and these slimeballs hope your stupid so they can take you for a ride to the Tune of Billions of Dollars thanks to Uniformed Consumer's. I was a Credit Dummy to start everyone is, WAKE UP, I have made Major Creditor's look like fools when I got Cases Dismissed with no Lawyer, I took back my life and Blocked there phone number's, I have called them on the Carpet for Illegally using the USPS, and I have sued them and won for violating TheFederal Fair Debt Collection Practices Act. Get up go on the Internet and in the Courtroom and learn. The greatest fear these Jerks have is a Consumer who is educated about Credit, the Law's and Unafraid to stand up and be recoginized.
Good Luck to All Of You
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