Have you been contacted by this predatory collection agency or any other collection agency? If so there are things you can do to STOP them in their tracks.
I am NOT a financial expert, but there are a few things things you need to be aware of.
Rule 1: DO NOT CALL THESE PEOPLE, DO NOT TALK TO THEM ON THE PHONE AT ALL.
Rule 2: All correspondence should be done both Email and Regular Mail with confirmation of receipt.
This is a letter that I composed by scouring the various internet sites.
This letter stopped all contact. I am providing you with this letter to help you or others to fight back and not be taken for a ride.
Portfolio Recovery Associates, LLC.
120 Corporate Boulevard
Norfolk, VA 235414
Regarding your account number: (
Your Street Address
Your Town, State, Zip Code
To Whom it may concern:
Regarding your account number: Account Number Assigned to you by PFA,LLC)
I am sending this letter to you in response to a notice I received from you on (DATE).
Be advised, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC1692g Sec. 809 (b) that your claim is disputed and a validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired Show me that you are licensed to collect in my state; and Provide me with your license numbers and Registered Agent.
If your offices have reported invalidated information to any of the three major Credit Bureaus (Equifax, Experian or
TransUnion), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
Violation of the Fair Credit Reporting Act
Violation of the Fair Debt Collection Practices Act
Defamation of Character
If your offices are able to provide the proper documentation as requested, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel. This includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
This letter shall also show (but not limited to) you, your company, computer generated calls, computer generated letters or any of the third parties that you hire, employ, or any of Portfolio Recovery Agency employees or legal agents are NOT to contact me other than written correspondence.
Any violation of this will be considered as harassment and I will have no other recourse then to inform all agencies and the State Attorney General of your actions.
Any attempt to contact me other than written correspondence will be followed up with my States Attorney General and with any other agency that has jurisdiction over such practices.
All future communications with me MUST be done in writing and sent to the address noted in this letter.
This is an attempt to correct your records, any information obtained shall be used for that purpose.
It has been 1 year since I have sent this letter to these people and I have not heard a single word, received a single phone call, or had anything reported on my credit reports.
Good Luck in dealing with these people.