Portfolio Recovery Associates, LLC called at home and work for the last year the debt is 13 years old Norfolk Virginia
This company has called me at home and at my work (when I was working) claiming I owe on a old debt that was accumulated during my former marriage. They have harrassed me and my family with their robo calls at all hours of the night and day (Hawaii Time) Unfortunately my ex-husband maxed out my credit card under my maiden name.
During the divorce all I sought for was my good name and credit but at that time of the divorce 2003-2005 no old debts were showing up with credit checks. During our marriage although seperated, my ex-husband had a horrible work related accident and recieved over 2 million in compensation. So I just wanted my credit to be cleared but when credit checks didnt show the old debts he accrued or us, I thought the debt was cleared.
Now for some reason after 3-4 years later of the divorce I'm being hit by that horrible Portfolio company. I tell them to talk to my ex-husband he has all the money and was the one responsible & I'm a single mom now unemployed. They said they cant legally go after him. Why? we were married during the time of the debt and its way past the statue of limitations.
We haven't paid on the debt since 1997. Please let me know what to tell these vultures next time they harrass me and my family.
Erika
Kihei, Hawaii
U.S.A.
1 Updates & Rebuttals
John
Louisville,Kentucky,
U.S.A.
re:
#2Consumer Comment
Sat, March 28, 2009
If this debt is from 97 and no recent payments have been made on it, then it's outside the statute of limitations.
Step One:
Send them a letter via Certified Mail + Return Receipt stating:
Per the Fair Debt Collection Practices Act, I am requesting that you cease all communications with me about this alleged. This letter is being time stamped via Certified Mail and I can confirm receipt. I will pursue each subsequent phone call from your office with a $1,000 per incident penalty for Fair Debt Collection Practices Act violations
Step Two:
Next time they call, read the following statement:
Pursuant to [your state] state law, this is to inform you that this phone call is being recorded. If you do not consent to being recorded, you need to terminate this call. Pursuant to [your state] state law, continuation of this phone call after officially being informed that it is being recorded implies consent to be recorded. This recording will be used to pursue Fair Debt Collection Practice Act violations in a court of law.