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Well for those who are not familiar with portfolio Recovery debt collection, let me lay out what they do. These guys buy leads wholesale and don't care much whether the debt is current, statute barred or even paid off. Their tactics are shall we say in the grey area of the law. So as you might have figured out by now, they know all the Federal loopholes. So if you don't want to hide from them and give them as good as they give, your best bet is your state attorney's office. By the way, settling with these guys for a discounted payment is not going to help you any, their letter of settlement is for their debt only. That will not affect the original debt holder, nor the one that they will sell your information to – yup, they'll sell it as soon as they finish getting paid.

Well what can I tell you. These guys are genuine bottom feeders of debt collection industry - Portfolio Recovery. They buy old statute expired debt and through harassment tactics try to collect 10 to 30 cents on the dollar. Of course the minute anything is collected, the statute date resets to day 1 and their other outfits and ambulance chasers come after you. If you have noticed their letter of settlement is only for the debt with them, not original debtor or the next place they sell it to. The only way to fight these guys is to get with your state authorities. These guys know all the Federal loopholes.