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If you're the victim of debt collector harassment from Portfolio Recovery,
Lemberg & Associates will fight for your rights and deliver the cash compensation you
may be entitled to.
We make lawbreakers pay.
Abusive collectors and liable for up to $1,000 in damages plus
court costs attorney's fees.
Reclaim your life, gain peace of mind, and stop law-breaking debt collectors in
their tracks. Portfolio Recovery Associates runs with the big dogs.
Portfolio Recovery Associates is a debt buyer
which typically means that Portfolio Recovery Inc. purchases large quantities
of debt from creditors or other collection agencies that have written
that debt off as uncollectible. Understandably, debt that has been deemed
uncollectible is cheap.
On its website, Portfolio Recovery Associates says that it has purchased
more than 28 million consumer council over $64.6
billion dollars in face value for $1.9 billion. That averages
about to about three cents per dollar debt.
Portfolio Recovery Associates LLC has a number of subsidiaries which some
might call "Portfolio Recovery Affiliates".
Portfolio Recovery affiliates include Revenue Discovery Systems, Muni Services
and Broussard Partners Associates. These subsidiaries which Portfolio Recovery
Services groups under the umbrella of PRA government services are in the
business of collecting unpaid tax debt on behalf of municipal governments.
There are many debt collectors who crossed the line to behavior that's
prohibited by the Fair Debt Collection Practices Act.
Types of debt collection harassment include phone calls made early in the
morning or late at night,
calling numerous times each week for multiple times per day,
and contacting friends and family members.
Debt collectors who work for debt buyers have been known to engage in other types
of illegal behavior. For example, according to the Fair Debt Collection
Practices Act, a debt collector cannot make threats that he or she does not
intend to follow through with
or that he or she is not legally allowed to pursue.
Each state has a statute of limitations after which is not possible for a debt
collector to file a lawsuit against you in court.
The statute of limitations varies from state to see so you should consult your
own state's law. Oftentimes the debt purchased by the debt buyers is old
and may have exceeded the statute of limitations.
Nevertheless, some debt collectors will call consumers and threaten to sue them or
garnish their wages.
This is a violation of the FDCPA.
You should insist upon documentation of the debt that Portfolio Recovery
Associates LLC says that you owe.
Once you receive the documentation, if you don't believe the debt is yours, you
should send Portfolio Recovery Associates a letter within 30 days
disputing the debt.
It's up to PRA to send you proof that you owe the money.
Until then, Portfolio Recovery Associates isn't allowed to contact you.
The legal team at Lemberg & Associates is committed to holding debt collectors
accountable and will fight for your rights under the Fair Debt Collection
Practices Act.