Portfolio Recovery Associates TRYING TO COLLECT ON A DEBT I ALREADY PAID 8 YEARS AGO AND NVR ON MY CREDIT REPORT Norfolk, Virginia

The debt is past the statute of limitations for collection.   Additionally since it is over 7 years old it cannot affect your credit report.   Write a letter to this bottom feeder to get them to stop calling and harrassing you.  Send it certified and keep the receipt.   Following is what you need to put in the letter.  Do not sign it (they could try to copy your signature) just type your signature.

Your City, State Zip
Collector's Name

Collector's Address

Collector's City, State Zip

Account Number: XXX-XXXX-XXXX

To Whom It May Concern:

This letter is response to your phone call on/letter dated __________, concerning the above referenced account number.

I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired.  If you choose to pursue this matter in court, I will will be able to show proof that the statute of limitations has expired and you will lose.  

Let this letter serve as notification that I do not wish to be contacted about this debt any further except to be notified that future collection efforts are terminated. Any further communication by any means regarding this debt will be taken as a violation of the Fair Debt Collection Practices Act and will result in my filing a lawsuit against your firm, a complaint lodged with the Attorney General of both my State and the State in which you operate, and a formal complaint lodged with the FTC.

Sincerely,

Your Name (typed)