Portfolio Recovery illegal phone tactics, violation of FTC Title VIII Sub 809 Norfolk Virginia

Recieved 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 recieved 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 automaticaly make the debt a valid one.

I actualy 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 certiied mail.

I anticipate proving their fraudulant methods.

I immediatly obtained my wifes 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.

Sgtbigred
Pensacola, Florida
U.S.A.