portfolio recovery associates harassing phone calls, constant phone calls, debt collector, norfolk Virginia

First a few things..if you have so many debts that you don't even know what debt they are calling about you first need to get your finances under control.  Regardless if you think you can pay them..you need to know where you stand.  Next..of course they have a job to do.  But it appears that you have never actually talked to them..only let them leave a message.  They will not give you specifics on a Message.  So if you really want to know you must actually talk to them.  If that requires you to call them..then that is what you need to do.

Now, they also must obey the laws and regulations.  But the Do Not Call Resistry is not one of them.   One of these regulations is the Fair Debt Collections Practices Act(FDCPA).   It states that if you request that they no longer contact you by phone, they must honor that request.  It won't stop them from taking other action..just calling you.  If they fail to comply you can actually turn around and sue them for up to $1000 in Statutory Damages as well as court costs in Small Claims Court.  But there is a bit of a caviat you need to be aware of.  They may decide to sue you as well, and if they can prove the debt is valid you may have a judgement placed against you giveing them more rights to collect.  Possibly but not limited to Attaching your Bank Accounts.

In order to show that you requested them to no longer contact you. You must send them a Certified Letter with Return Receipt.   You can search the Internet for "Cease Contact" Letters to get some templates.  The imporant item here is to be sure to not sign the letter..just type your name.