Portfolio Recovery Aka Afni Company changes hands, same PO Box Concord CA

 This is a somewhat shady company that apparently operates out of a PO box. They used to be called Afni and now are called Portfolio. If you get letters or calls from these people, don't let them intimidate you. They buy up old debts from original creditors who have already written off the debt and received a tax deduction for it. They pay five or ten cents on the dollar for the debt and then proceed to harass people to give them the whole amount. They will send an ominous letter such as, we are transferring this matter to our litigation department. But if they had any standing to sue you, they would have already done so. All they can really do is pester you. So don't fall for their tricks.