Portfolio Recovery Associates

Debt collectors like Portfolio Recovery Associates, LLC, cannot harass you over a debt.  You have rights under the law.  We will stop the harassment once and for all.


If violated the law, you will get money damages and will pay our fees and costs.  You will not pay us a penny for our time.  Plus, some of our clients also receive debt relief and cleaned up credit reports.  You have nothing to lose!  Call us today at 888-572-0176 for a free consultation.

Who is Portfolio Recovery Associates, LLC?

Portfolio Recovery Associates, L.L.C. is a third-party collection agency, headquartered in Norfolk, Virginia, but registered as a limited liability company in Delaware, and started its business in 1996.  , L.L.C. is a subsidiary of the massive PRA Group, Inc. that boasts on its website of having “grown to become one of the largest debt buyers in the world, with more than 4,500 employees in 12 countries throughout the Americas and Europe.”  The debt collection empire started with “humble beginnings” according to its website when was co-founded by Steve Fredrickson and Kevin Stevenson.  PRA Group, Inc. even became a publicly traded company on the NASDAQ as PRAA. appears to collect primarily on credit card and other bank loan related debt.  However, its profile on Bloomberg.com indicates that PRA “specializes in contingency collections for national credit card issuers, consumer lenders, telecommunications providers, retail credit stores, healthcare, utilities, and commercial accounts receivables.”PRA Group preaches on its website with rhetoric such as “How is debt collection an essential part of the economy?” and “What is the history of debt collection?” 

That all may be well and good, but there are laws that clearly state that you cannot harass people to collect that debt.  According to Bloomberg.com, PRA Group’s key executives are Kevin P. Stevenson, president, CEO & director; Steven D. Fredrickson, executive chairman; Peter M. Graham, executive VP & CFO; and Christopher B. Graves, executive vice president of Americas core.  Bloomberg.com also includes the 2016 annual compensation for these executives, earning $700,000, $900,000, $619,600, and $440,000 respectively.  The Public Utility Commission of Texas lists its general counsel as Franci Wayland.  Also according to Bloomberg.com, PRA Group, Inc. brought in revenue of nearly $608 Million for just the first 9 months of its 2017 fiscal year.

According to Bloomberg.com, Portfolio Recovery Associates, LLC is also known as Anchor Receivables Management.  According to the Better Business Bureau, , LLC is also known as Pra III, LLC as well as Anchor Receivables Management.  According to the Public Utility Commission of Texas, , LLC goes by several “doing business as” names, such as: PRA Location Services LLC; Anchor; IGS Nevada; PRA Receivables Management LLC; Revenue Discovery Systems; Alatax, Anchor Receivables Management, PRA Government Services LLC; and RDS.

According to the Better Business Bureau (“BBB”), Portfolio Recovery Associates, LLC is categorized as a Limited Liability Company and a collection agency.  The BBB also contains interesting and stunning, although unsurprising, information regarding a “Government Action” taken against , LLC, which reads:The following describes a government action that has been resolved by either a settlement or a decision by a court or administrative agency. If the matter is being appealed, it will be noted below.

On September 9, 2015, , LLC located in Norfolk, Virginia signed a Consent Order with the United States Consumer Financial Protection Bureau (CFPB) for alleged violations of the Consumer Financial Protection Act and the Fair Debt Collection Practices Act between July 21, 2011 and July 17, 2014. These violation include among other things:

  • Attempted to collect on unsubstantiated or inaccurate debt,
  • Misrepresented intention to prove debts consumers sued over,
  • Relied on misleading, robo-signed court filings to churn out lawsuits,
  • Sued or threatened to sue consumers past the statute of limitations,
  • Pressured consumers to make payments using misrepresentations,
  • Falsely claimed an attorney has reviewed the file and a lawsuit was imminent, and
  • Misled consumer into consenting to receive auto-dialed cell phone calls.

According to the Consent Order, Portfolio Recovery Associates, LLC was given an $8,000,000.00 penalty payable to the CFPB's Civil Penalty Fund within ten days of signed Consent Order. According to the signed Consent Order , LLC is required to:

  • stop reselling debts to third parties,
  • refund $19,045,443 to eligible consumers,
  • stop collections on over $3,000,000 worth of debts,
  • stop collecting debts they can't verify,
  • provide consumers information before filing suite,
  • use accurate affidavits, and
  • reform collection of older debts.

It appears that may collect on debts owed to third parties, but primarily collects on debts that it purchases.  Therefore, in most situations, may be a junk-debt buyer—or collecting on debt technically owned by its parent company, PRA Group, Inc.  For example, some collection agencies buy debt for pennies on the dollar, and then collect on it.  is known for collecting on a variety of types of debts.  We’ve helped a lot of consumers deal with when is collecting on behalf of credit card issuers, retail banking and mortgage industries, as well as the debt it is collecting on behalf of its parent company, PRA Group, Inc. and/or related entities.

Portfolio Recovery Associates, LLC, Address, Phone Number, and Contact Information

Portfolio Recovery Associates’ headquarters is located at 120 Corporate Boulevard, Norfolk, Virginia 23502.  It even has a separate address for its “Disputes Department” at 140 Corporate Boulevard, Norfolk, Virginia 23502.  The main telephone numbers for are 757-519-9300 and 800-772-1413. These are just two of many contact numbers.’ websites include https://www.portfoliorecovery.com https://www.prapay.com and https://www.pragroup.com  One of Portfolio Recovery Associates’ fax numbers is 757-321-2518.

Phone Numbers Used By Portfolio Recovery Associates

Portfolio Recovery Associates likely has dozens, if not over 100, phone numbers it calls from.  Here are a few phone numbers may be calling you from:

Portfolio Recovery Associates Lawsuits

If you want to know just how unhappy consumers are with take a look at the number of lawsuits filed against on the Public Access to Court Electronic Records (“PACER”).  PACER is the federal docket throughout the country that lists federal complaints filed against .  When you do a search for , there are at least 3,673 lawsuits filed against .  Most of these lawsuits involve consumer rights’ violations.

Portfolio Recovery Associates Harassment

The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that applies to everyone in the United States.  In other words, everyone is protected under the FDCPA.  The FDCPA is a laundry list of what can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt.  If is harassing you over a debt, you have rights under the Fair Debt Collection Practices Act.

The Telephone Consumer Protection Act (“TCPA”) protects you from robocalls.  Robocalls are those annoying, automated, recorded calls that a computer makes to you all day long.  You can tell it’s a robocall because either no one is on the other end of the line or there’s a delay when you pick up the phone before a live person comes on the line.  You can get $500 per call if violates the TCPA.  Have you received a message from that sounds pre-recorded?  Or, maybe the message you received from is cutoff at the beginning or the end?  These are tell-tale signs that the message is pre-recorded.  If you have these messages on your cell phone, you may have a TCPA case against Portfolio Recovery Associates.

The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts.  If took unauthorized deductions from your bank account, you may have an EFTA claim.  like most collection agencies, wants to set up reoccurring payments from consumers.  Imagine how much money gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month.  If you agreed to this type of reoccurring payment, must follow certain steps to comply with the EFTA.  Did continue to take electronic payments after you said stop?  Did take more money from your checking account than you agreed to?  If so, let’s talk about your rights under the EFTA.

The Fair Credit Reporting Act (“FCRA”) works to ensure that no information reported to your credit report is false.  In essence, it gives you the right to dispute those inaccuracies that you find on your credit report.  We handled a lot of cases recently where reported debt on a consumer’s credit report. likely reports on credit reports to obtain greater leverage over the consumer.  If is on your credit report, they may tell you if you pay the debt, they’ll remove it from your credit report.  This is commonly known as pay for delete.  You pay and they delete the debt from your credit report.  Even if is not on your credit report, maybe the original creditor is.  If you pay off the debt to then the original creditor, and should accurately report this on your credit report.

Several states also have laws that provide its citizens an additional layer of protection.  For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country.  If you live in NC, and you’re harassed over a debt, you may get $500.00 - $4,000.00 in damages per violation.  We work with a local counsel in NC.  Our NC clients have received some great results in debt collection harassment cases.  If you live in NC, and is harassing you, you have tons of leverage to get a great settlement.


We will use state and federal laws to immediately stop debt collection.  We will send a cease and desist letter to get the harassment to stop the same day.  If violates the FDCPA, EFTA, FCRA, or any state laws, you may be entitled to money damages.  For example, under the FDCPA, you can get up $1,000.00 in damages plus actual damages.  The FDCPA has a fee-shift provision.  This means, pays our attorney’s fees and costs.  If you have a TCPA case against we will handle it based on a contingency fee.


We have helped hundreds of consumers stop phone calls from Portfolio Recovery Associates.  We know how to stop the harassment and get you money damages.  ONCE AGAIN, you will not pay us a penny for our time.  We will help you based on a fee-shift provision and/or based on a contingency fee. That means, pays our attorney’s fees and costs.

What If Portfolio Recovery Associates Is On My Credit Report?

Based on our experience, does credit report.  That means, will mark your credit report with the debt they are trying to collect on.  In addition to , the original creditor may be on your credit report.  For example, if you owe Republic Bank and Trust on an elastic line of credit, and is collecting on it, both Republic Bank and Trust and may have separate entries on your credit report.  This is important because you will want both parties to update your credit report if you pay off the debt.


If is on your credit report, we can help you dispute it.  Mistakes on your credit report can be very costly.  Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes.  Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute them.  My office will help you pull your credit report and dispute any inaccurate information.


If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error.  The FCRA also has a fee-shift provision.  This means, the credit reporting agency pays your attorney’s fees and costs.  Therefore, you will not pay me a penny for my time.  We have helped dozens of consumers fix inaccurate information on their credit reports.

Complaints against Portfolio Recovery Associates

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by Portfolio Recovery Associates.  The complaints on the Better Business Bureau (“BBB”), various consumer websites, including on Pissed Consumer, and even the complaints on this page (below) are endless.  is accredited by the BBB.  The BBB gives PORTFOLIO RECOVERY ASSOCIATES an “A+” rating.  Despite its “A+” rating, there are 1,413 customer complaints on the BBB as well as 23 customer reviews, 22 which are negative and one being neutral.Here are some of the many BBB complaints and reviews regarding :

  1. “PRA told me that I owed them four payments of 294 dollars...upon my sending them the last 294 of those payments...they sent back the check and told me that is NOT the last of what I owed them. Upon my calling Customer service after receiving the check back in the mail...the PBA associate told me over the phone that I owed TWICE as much as PBA had told me 4 months prior.”
  2. “Portfolio Recovery didn't respond to my direct dispute.  Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. They bought an account from **** and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. The account number is XXXXXXXXXXXXXXXX. This is a collection account. I have disputed this account as a direct dispute, and asked for verification. The direct dispute letter was sent to Portfolio recovery on August 12, 20014. They failed to respond in the required days with the information that was requested. This account is further negatively affecting my credit report and score due to this company's false reporting. I am demanding full deletion of this account as a result of not verifying the information or contract allowing them to report it as a factoring trade line account. I have sent them a second letter on April 9, 2015 regarding their non-response of my direct dispute. They did not send me any result of the direct dispute within the mandated 30 day period.”
  3. “, LLC has failed to sufficiently validate the debt I allegedly owe in a timely mannor following numerous requests.  I have requested in writing on numerous occasions that Portfolio Recovery validate a debt Acct/Reference no. XXXXXXXXXXXXXXXX. They consistently send verification letters but never full validation. I have specifically requested validation with none received to date.”
  4. “i received a call from Portfolio Recovery the other day and they gave me great amounts on what i owed on three credit cards and then asked for my checking account number and routing number to pay them the 2,500 to start and then monthly payments of $86.00 for 13 months. I asked them to email me what they said i now owed or send me a letter of confirmation and the girl ******** on the phone said that was above her head and put **** on the phone her manager. I said I am willing to the amounts ******** just told me but i need a email or letter from you first and **** said that's against company policy and asked me for my checking account number and routing number and I said i want a email or letter first stating the facts and he said we don't do that you would have to give us your checking account number and routing number while were on the phone and he will send me a email. I didn't trust this and said no not unless you send me a email first and he hung up the phone. Now the only way I'll pay this company is if they send me a email or letter with the amounts agreed upon within our phone conversation is by Cashier’s Check or Money Order seeing I now don't trust them. 84 Better Business bad reports on them but with a little more research i found a guy online within thousands of complaints about this company Portfolio Recovery stating that he agreed to a amount by them and a couple weeks later said they miscalculated the amount and now he owes more. Very shady operation. I'm just about to let this ride a few more years and it will vanish off my credit report due to time.”
  5. “While on my vacation in St. Lucia last month - Oct 2017, I receive several notifications from all my credit monitoring services (I have A LOT!) and noticed there was a collection account from PRA listed. I am very particular about my credit and as I mentioned I monitor every aspect of it. I'm overseas and I contact them immediately to inquire what this account is for. I'm informed its part of a bankruptcy filing in the state of Indiana. I have never lived in Indiana and nor have I filed for bankruptcy. When I got back home to the US I immediately contact all 3 credit agencies and reported this is fraud. How can a collection account appear out of nowhere with no history of the original indebted account? As of today, Nov 10th, not quite 30 days later, it was removed from Experian and Equifax, but I'm still fighting with TransUnion. I've also contact PRA via phone, email and written correspondence to inform that this account does not belong to me. They mentioned there is an attorney on their files to which I requested the name and contact phone number so I can contact them myself and inform them that their client is a fraud and file a complaint with them, their law firm and their client. These entities need to be help accountable to the safety and accuracy of the American people and I'm willing to fight to the end.”
  6. “Portfolio Recoveries has been calling my home nonstop! They are trying to obtain more money from a past credit card I had that has been paid in full. They keep stating that I owe money even after they had taken all 18 payments out of my account as agreed upon. I want this situation looked into it is fraud and they need to be stopped from doing this to innocent people.”
  7. “PRA Group (PRAA), , LLC, operates with total disregard, arbitrarily, and capriciously in violation of Federal & State laws of the United States. They have harmed me with their illegal business practices and tens of thousands of others. Overwhelming amounts of information exists in Federal and State legal filings, newspaper articles, FTC files, SEC files, and on this BBB website as to this Company's very shady existence. Not 1 positive review on the BBB site. The negative reviews are testimonials to this Company's illegal business practices. The rating of this Company should be F-.”
  8. “Dell sold my payments to , LLC. They sent me a letter with 3 payment arrangement I could choose from. Single payment, 5 month payment plan and 12 month payment plan. I choose the 12 month payment plan and payments started Dec. 31 2016 with payments due the end of each month. I have paid every month. I got on their site and made Oct's payment on line (I don't think I should have done that). They have a list of payment they say I still owe. They have me paying into Feb. My 12 months is up in Nov. They have told my that I have missed Sept. payment. I did not, it was a couple days late but I did not miss it. They took Sept. payment and put it on for Oct. payment. I paid Oct.'s on the 27 online. That is when I say what they were doing. They are adding payments, which I don't owe. They have not deducted Oct. payment from what I owe, they plan on holding it until end of Nov. I have all the money order copies to prove my payment except the one I paid online. I want this straightened out. I will be making Nov. payment at the end of Nov. And I want this close. They are a bunch of liars and cheat people out of their hard earned month. They are nothing but a bunch of crooks. How in the world do you have them at a A+ rating. That is totally wrong. I want done with these people.”
  9. “i tried to settle my debt with portfolio associates several different times in the last few days. They would not except a pre - paid Visa card as payment (that was purchased just for that purpose) I was told several times the card would not clear. after talking to my bank they assured me the money was on the card and it was activated, i called PRA LLC yet again and same response "it was denied". from my bank I find out no one ever tried running the card (no activity) at this point I am beyond frustrated. I decide to call PRA LLC and get the correct address for mailing in payment, as on line gave several mailing addresses for this company. I had to call 3 times before I was able to speak to anyone I could even remotely understand. when I politely asked to please be transferred to someone who spoke English and little to no accent I was put on hold for a long wait. I realize it is my own fault for having to deal with a debt collector but I felt as though I was being treated poorly for try to fix my past credit issues.”

Unsurprisingly, the reviews and complaints on Pissed Consumer are not any better.  Here’s a snippet of the at least 59 reviews on pissedconsumer.com:

  1. “I am at the end of my rope.  They have called maybe hundreds of times, and for every number I block, there's 3 new ones.  I answered them the first time in May; there were looking for some man who had used this number or gave it out somewhere as his. I explained that no, sorry, I'm not this person. Not only did they not believe I wasn't him, they called back once more now thinking I knew him and I guess I'm filtering his calls. I stopped answering after that and this was end of May.  Here we are, first of November and they are still calling 3 and 4 times a day.  I'm filing a complaint with the better business bureau and I recommend you all do the same.  Reason of review: I feel like I need to start contacting a lawyer at this juncture..”
  2. “I called Ally this week to get the payoff on my auto loan and was told the account was sold to .  I called the number given by Ally and left voicemail requesting where to send my payment, due by the end of the month, and have received no call back.  Multiple calls later I was given another phone number to call. This am I spoke with someone who gave me yet another number to wait and call due to time zone considerations. The rep refused to provide the address for me to mail my payment.  I need to get this payment in the mail today and do not understand why I haven't received either correspondence or a call back.  I have addressed the matter with my attorney.  Reason of review: Problems with payment.  Preferred solution: Let the company propose a solution.”
  3. “This agency is a total fraud!  Bad actually worst customer service ever and they are liars!!!  They agreed to gave me discount to settle two accounts. After they withdraw the money next day at first time and after sent to me letters indicating both accounts were going to be reported as settled with no future obligation they decided to report the discounted balance. They are liars and this was not another thing than extortion!!! Do not pay to this agency actually you don't owe any money to this freaking agency your financial obligation is with the original creditor.  You don't have any contract with this liars.  Reviewer is in unhappy mood. This person stated that there is a room for improvement of attempts to steal from me and not listening to me. Please immediately contact the author of this review to discuss not as described of noncompliance with settlement agreement. needs to read this review and look into the issue (if any) according to poster's claims.  Other people also mentioned noncompliance with settlement agreement in their reviews. You may find this information helpful for further shopping at .”
  4. “My mother in law passed away 3 years ago.  She was not close to us and apparently, in the last years of her life, was doing some compulsive shopping through credit cards.  This agency started calling my home this week, threatening and demanding M*** pay up. I told them she is deceased (a simple look up an credit reporting site will verify it) At first the man did not believe but I told him that I didn't care if he did or didn't, when you run her Soc. Sec. number it will tell you, she is dead.  He then began blustering that we owed them money, this debt had to be settled. I told him that, as a lawyer (albeit retired), I know for a fact that this is not true; we do not have debtor's prison in this country and you are not beholden for family debt. If he wants to file in court against her estate, go right ahead but there's no money they'll get from the estate or from us.  He swore at me and then hung up.  If you're going to pull this nonsense, at least do enough research to give your story credibility.  This person wrote the review because of bad quality of portfolio recovery associates customer care from . Reviewer claimed that he or she wants to read this review and look into the issue (if any).  The most disappointing in user's experience was blatant dishonesty. If you have a chance, please immediately contact him/ her to briefly discuss his/ her negative experience with the company.  We collected other reviews about products and/or services offered by for you to read. This information may help you with your purchase decision.”

Cases We Have Handled Against Portfolio Recovery Associates


Threats and harassment by collection agencies can be pretty intimidating.  Well, it turns out we can stop the harassment, attempt to get you money damages under the law, and the collection agency will have to pay us our fees and costs.  Here are some of the cases we’ve handled against PORTFOLIO RECOVERY ASSOCIATES:

  1. Quilesha H. v. Portfolio Recovery Associates, LLC – Quilesha is from California.  Quilesha allegedly owed on a Kay Jewelers account that PRA was attempting to collect on.  PRA was calling Quilesha on her cell phone, home phone, and work phone.  Despite Quilesha requesting that PRA stop calling her, PRA continued to call her at all three locations.  One time, Quilesha’s minor son answered one of PRA’s calls and PRA’s collector frightened the son by telling him that his mother is facing legal action if she did not pay and disclosed that his mother owed a debt.  PRA’s collector also called Quilesha’s co-worker and disclosed that Quilesha owed a debt.  For these actions, Quilesha alleged that PRA violated several provisions of Fair Debt Collection Practices Act as well as the Rosenthal Act because Quilesha was a California resident.
  2. Doris S. v. Portfolio Recovery Associates, LLC – Doris lives in Texas, and was attempting to collect a consumer debt from Doris.  Doris reviewed her credit report and noticed a debt that PRA was reporting that Doris did not recognize.  Following the steps of the FDCPA, Doris disputed the debt.  After PRA had ample time to take the proper action as to receiving a dispute, it failed to do so.  We alleged that violated multiple sections of the Fair Debt Collection Practices Act for failing to properly note that the alleged debt was disputed on Doris’ credit report.
  3. Amy V. v. Portfolio Recovery Associates, LLC – Amy lived in New York, at least at the time we represented her.  PRA was bombarding Amy at work with collection calls.  Amy requested at least twice that PRA stop calling her at work.  PRA totally ignored Amy’s requests for the calls to stop and continued to call her at work in an attempt to coerce and embarrass her into payment of an alleged debt.  Such actions are violations of several subsections of the Fair Debt Collection Practices Act.

Here’s What Our Clients Say About Us

Agruss Law Firm, LLC, has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 125 five-star reviews on Google. Here’s what some of our clients have to say about us.

“Top notch!  I fell behind on my credit card bills because I experienced health problems.  Credit card companies dont' care and just call and call and call with their robocalls.  Even after I explained that I was having problems and asked them to stop calling, the credit card banks just kept on with their robocalling.  Attorney Pooja got the calls to stop and I even got an unbelievable cash settlement because of the harassment.  These people KNOW the LAWS that can help!!  They REALLY care!!  Thank you”

“Agruss Law Firm handled my case with professionalism and efficiency. Jackie Laino and Pooja Dosi were very competent and I trusted them every step of the way. I will recommend Agruss Law Firm to friends and family. Keep up the great work!”

“I had the best help from all the people at Agruss Law Firm LLC. They were all so kind and answered all my question and stopped the harassment calls i was getting. They are very well staffed and kind firm.  If you need help use them you will be glad you did.  Thanks again my name is Toni Wyble and Emily Owen has done a great job handling my case at Agruss Law Firm.  They are the best firm i have ever dealt with.  If you need help just call Emily Owen she is great.  Thanks again.”

“I'm happy to have found Agruss. I was getting collection calls for the previous owner of my phone number. No matter what I pressed or said the calls kept coming. After an email to Agruss I worked with Pooja who was able to stop the calls and settle with the collection company on my behalf. The settlement was enough to pay off my own debt, which is wildly satisfying. A few emails and I'm debt free. I wish more people would reach out to Agruss. Consumer protection laws are only effective if people use them. If we don't, the collection agencies write off lawsuits like mine as "operational expenses" and continue breaking the law.”

Portfolio Recovery Associates Settlement

If you want to settle a debt with , ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I get something in writing from confirming the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors.  We are here to help you answer the questions above, and much more.  Whether it’s harassment, settlement, pay for delete, or any other legal issue with the folks at Agruss Law Firm are here to help you.

Share Your Complaints About Below

Post your complaints about Portfolio Recovery Associates.  Sharing your complaints about will help other consumers know what to do when starts calling. Sharing your experience may help someone else.


If you are being harassed by over a debt, you may be entitled to money damages. Get up to $1,000 for harassment, and $500-$1,500 for illegal robocalls.  Under various state and federal laws, we will help you based on a fee-shift provision and/or based on a contingency fee.  That means, the collector pays your attorney’s fees and costs.  You won’t pay us a penny.  We have settled thousands of debt collection harassment cases.  Let us help you today.  Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.

We are listening.

Submitted Comments

PRA has reported a debt on my credit report that does not belong to me. I have disputed the debt, but they have not yet responded. They have 7 days left to respond to the dispute under the FDCPA. However, I am in the process of closing on a mortgage and this one item is holding up my loan. I need resolution of this account today in order for my loan to close on time. My lender is requiring something in writing stating the account does not belong to me or showing it has been/will be deleted from my credit report. I don’t know what to do since the 30 day dispute period hasn’t ended yet, but I am confident they won’t be able to verify the debt because it does not belong to me. I only found out about it after applying for the mortgage loan and the lender inquired about the collection - to which I had no previous knowledge of it even being on my credit report. At that point is when I disputed the account and have been waiting for a response. I know if I contact the company, they will want to settle and this will take the account out of dispute, but this IS NOT MY ACCOUNT OR MY DEBT! I feel exploited and I don’t know what to do because this single item is jeopardizing my mortgage loan. Please help quick!

Michael Agruss Headshot

Hi Christa. I'm sorry to hear that you're having issues with Portfolio Recovery Associates and your mortgage. You do have rights that I can help with. Please reach out to my office at 312-224-4695 and we can work on getting this dispute settled. Thanks, Mike.

I received “with request for Admission” Civil Summons that I am being sued. Should I contact them to work this out?

Michael Agruss Headshot

Hi April. My office is experienced in dealing with civil summons and debt collection, so I would be happy to review the summons you received and help you to determine what your next step should be. Please reach out at 312-224-4695 or I can contact you and we can get the ball rolling. Thanks, Mike.

Portfolio Recovery is garnishing my wages at the amount of $278. I took a pay cut in January from $2433 a month to $1400 a month. Portfolio Recovery started getting $278 in March leaving me with $1083 a month to live on and pay my bills. I can not afford having $278 taken out of my check. Please help me!

Michael Agruss Headshot

Hi Chris. Has Portfolio Recovery called you about this garnishment or communicated with you in any way? Please give us a call if you have more questions about how we can help you. Thanks, Mike.

Portfolio recovery is harrassing us!

Michael Agruss Headshot

Hi Debbie, I'm sorry you are experiencing this. Are they calling you frequently? Do you owe the debt that they are referring to? Please give us a call so we can get some more information about your experience and see how we can help. Thanks, Mike.

I am tired and frustrated with Portfolio Recoverey. I have an old Dell account and they say I owe $3500.I am 65 and on a fixed income. I have offered them $1200 to settle this and they want $3100. I will not pay that amount. The debt is very old and they acknowledge they cannot sue me. Every call is full of intimidation and transfers to someone else. I actually settles two other cases with Capital One with tjhem recently for bout 60% of what I owed it wasless than the money they want for Dell. I am still shaking from this morning's call with them. I should not have answered the phone I guess...!

Michael Agruss Headshot

Hi Philip. If Portfolio Recovery is threatening you with legal action, they may be violating the Fair Debt Collection Practices Act (FDCPA). And it sounds like they may be violating other aspects of the FDCPA as well, which you can be compensated for. Please give us a call if you have any questions. Thanks, Mike.

I've been receiving many calls from Portfoliorecov. It's doesn't seem to be the same number everytime and they leave no messages. As far as I know I have no outstanding debts. I don't answer phone calls that I think are a scam that just want your bank info or SSN. Any advice would be appreciated.

Michael Agruss Headshot

Hi Scott. Have you ever told Portfolio Recovery to stop calling? And have they ever told you about the debt that they are referring to? I would like to get some more information so we can see how we can help you resolve this issue. Give us a call if you have any questions. Thanks, Mike.

Portfolio Recovery is harassing me with numerous phone calls!

Michael Agruss Headshot

Hi Louis. Are they calling you about a debt that belongs to you? Have you ever told them to stop calling. Please give us a call so we can get more information on your experience and help you however possible. Thanks, Mike.

keep records of all that you send them.

Michael Agruss Headshot

Hi Nancy. Has Portfolio Recovery been harassing you? We can help you if you give us a call letting us know more about the situation. Please let us know if you have any questions. Thanks, Mike.

portfolio recovery has filed a lawsuit for an unpaid debt. I'm willing to pay but can't pay it all at one time. how can you help me? I incurred the debt with HOME DEP0T at an elevated rate of interest and I fell behind on the payments . It was clear they were applying my payments to the interest and a very small portion was applied to the principal. Baltimore md ok I lost you for a moment. I'm here....... I would like to resolve the situation myself, however, I may need an attorney. The total debt $842.00. Cost with atty and court cost I dunno........ Thank you for your response!

Michael Agruss Headshot

Hi Reggie. Yes, this type of situation can be very stressful. But we have handled and resolved cases like this for other clients in the past, and we can help you too. Please give us a call if you have any questions. Thanks, Mike.

I have been paying $48.70 to Portfolio Recovery for about 6 months now--are they a scam I owe a credit card- my husband passed in 2015 and I was left with nothing. I started receiving SSi a year ago and they had been calling consistently so I decided to make these payments with a reduced balance- But I don't want to continue if they are a scam!

Michael Agruss Headshot

Hi Frances. Portfolio Recovery is not a scam, but they have harassed multiple consumers in the past about a debt that they may or may not owe. Please give us a call if you would like to discuss this matter further. Thanks, Mike.

i been serve with papers , from a attorney representing porfolio recovery ,usbank credit card acount , i didnt pay , they purchasse the balance. you toll me the samething all ready , nobody call me!

Michael Agruss Headshot

Hi Jose. Portfolio Recovery should be informing you about any debts that you owe. Please give us a call if you have further questions and would like to know how we can help you resolve this. Thanks, Mike.


Michael Agruss Headshot

Hi Jose. If Portfolio Recovery is harassing you over any debt that you do or do not owe, we can help you. Please give us a call if you would like our help on how to end the harassment. Thanks, Mike.

I'm getting a bill from capital one I don't have a credit card from them. I got a bill says I owne 411.28 cents when I never purchased the credit card. Can they call me know 3082894633 this is a message phone only it's my friends pls call me!

Michael Agruss Headshot

Hello, this must be very confusing for you. If Portfolio Recovery is harassing you over a debt that you do not owe, we may be able to help you. I would like to get more information from you about your situation. Please give us a call if you have any questions. Thanks, Mike.

Hi Josephine . My name is Otis White and I am paying Portfolio Recovery $46.16 a month on an old Capital One. debt. Am I being scammed!?!?!? They. Called & Called & Called & just wouldn't take "not right now because I just don't have the available funds to do this" for an answer. And I believe I recall so.etching being said by their representative about stopping negative credit reporting and doing something about rendering positive reports to the three reporting agencies.....I remember this kind of conversation; maybe not verbatim but the "3 credit reporting agencies" were mentioned!

Michael Agruss Headshot

Hi Otis. It sounds like Portfolio Recovery is harassing you over this debt. They should be working with you to pay this debt, not against you. Please give us a call so we can see how we can help you. Thanks, Mike.

wanted to know why I get calls from you!

Michael Agruss Headshot

Hi Brewer. You are likely getting calls from Portfolio Recovery, not us at Agruss Law Firm. We can help you if they are harassing you over a debt that you do or do not owe. If you would like to know about our help, give our office a call. Thanks, Mike.

i had set up payments with portfolio recovery associates, the payments were erratic and causing problems with my checking account. I called them and asked them to stop automatically debiting my account. Today two more payments came out and they cant reverse it now, they told me yesterday it was taken care of!

Michael Agruss Headshot

Hello, this sounds like a very frustrating situation. Portfolio Recovery has violated federal consumer laws in the past, but luckily, we have been able to resolve those issues for other consumers. Please give us a call if you have any questions. Thanks, Mike.

If you have a need to call me please leave a message stating who you are as I am screening all numbers that I do not know. Portfolio Recovery has been calling my friends and work place repeatedly even if the person states that they should not call back. My employer and coworkers at other sites have told Portfolio repeatedly that I am not allowed breaks at the site I work at. I have been told that one "gentleman" gets rude and says, "Don't tell me she doesn't get a lunch break." I sometimes long for the days when I was allowed a lunch break at other jobs. I am expected to work through my lunch. I work with disabled adults who need supervision 24/7 for safety. They never leave a message for me to call them back. They just keep calling any number they have regardless if they have been told not to call. They do not tell anyone who they are, however, I have looked up the number to see who it is. I need some help but apparently the debt is so small/ in collections so I seem to have few options. Can you help me? I would much rather pay my original creditor as they are the ones I really owe money to. I work 8:30a-4:30p and I commute to work. Again, if you call, please leave a message stating who you are and I will call back. Thank you for your time.

Michael Agruss Headshot

Hi Mattie. This sounds very stressful for you. Portfolio Recovery should not be calling third parties at your workplace. They may be violating other aspects of the Fair Debt Collection Practices Act (FDCPA) and you can be compensated for these violations while we resolve them. Please give us a call if you have any questions. Thanks, Mike.

Received NYC Civil Court summons & complaint from Portfolio Recovery Associates suing for purported $1800 credit card debt from GE Capital Retail Bank. Had received bill from Portfolio over the summer, wrote back disputing any cc debt and asking for verification of same. they then sent Walmart cc statement for a Jose perez residing in Poughkeepsie, NY. I've never lived in Poughkeepsie, nor had a Walmart cc, so did not respond and have now been sued. Now need to answer or move to dismiss complt - I am a lawyer working at a non-profit legal defense fund.

Michael Agruss Headshot

Hi Jose. This sounds similar to other situation that we have had with PRA. Fortunately, we were able to solve our clients disputes with them. Please give us a call if you are interested in our help or have further questions. Thanks, Mike.

Portfolio Recovery has sent a Default Judgement to me but i never received a summons. They starting calling, I guessing 5-6 years ago telling me I owe them money on a past debt from a company I have never heard of. When I ask for more information about when and where this debt occurred all they would tell me is they have my name and phone number and that's it. I keep telling them I dont owe the debt and I dont know what they are talking about. now when they call me that ask me to verify my last 4 of my ssn. I asked them how they got that info but again they wouldnt tell me!

Michael Agruss Headshot

Hi Justin. Have you ever told them to stop calling? If they continued to call you, they would be violating the Fair Debt Collection Practices Act (FDCPA). Also, the fact that you told them that you do not owe this debt but they are still calling you may also be a violation of the FDCPA. Please give us a call if you have any questions about how we can help you. Thanks, Mike.

Portfolio Recovery Associates is still collecting on a 1999-2002 debt what is my rights on this. I owe Southwestern Bell $549.19. Portfolio Recovery Associates won't send proof of debt valadition!

Michael Agruss Headshot

Hi Thomas. They should be informing you about the debt and respecting your rights as a debtor. Luckily, we can help you however possible to end this harassment for you. Please give us a call so we can get more details about this situation and help you. Thanks, Mike.

I am being harassed by portfollio for something that I do not owe. The payment which they said would be closed was made on 1/06/2017 and the payment they said would close the account. it was for $147.34 for good

Michael Agruss Headshot

Hi Diane. Did you tell Portfolio Recovery to stop calling you since you do not owe this debt? If they continue to call after that, they would likely be violating the Fair Debt Collection Practices Act (FDCPA). Please give us a call so we can help you resolve this issue and end the harassment. Thanks, Mike.

Good evening, My name is Annette N. For a couple years now, Portfolio has attempted to collect on an old Walmart account of mine I got suckered into over a T.V. Technically I only owed 318 on the line but was told I owed interest which is how I ended up in the stand off in the first place. Portfolio picked it up and started harassing me which I ignored until they send me a reasonable settlement. Instead of sending a reasonable settlement they decided to sue me. I submitted my affidavit to the court which included the statement that I am on a fixed income currently until I am able to get back on my feet. I lost the case but the court decided that I was unable to pay the debt but still owed it and the collection agency could continue to try and collect. Last week, without warning, 200 dollars of my child support went missing from my bank account leaving me with 1 dollar. There was never any notice that my bank account would end up garnished....How much or how often....They just took it all. With no money, my account was over drafted several times and I was charged 30 dollars each time for everything from a 6 dollar purchase to 11 dollars. My account is currently over drafted and is frozen...I had hoped after the court decision that, they would finally show me a reasonable settlement but what they wanted to do was find a way into my bank account and they succeeded.

Michael Agruss Headshot

Hi Annette. This must be a very stressful situation for you. What practices did Portfolio Recovery use against you as harassment? Also, if they took unauthorized payments from your bank account, they may be violating the Electronic Fund Transfer Act (EFTA) as well as the Fair Debt Collection Practices Act (FDCPA). Please give us a call so we can discuss this issue further. Thanks, Mike.

Portfoliio Recovery has harassed me on a daily basis at my place of employment. My husband lost his job and we have been struggling to survive on just my income. They not only call me from 8:30 am throughout the day, many times it is 3 to 4 times. They called and left my mother 2 voicemails threatening they will show up at my work and I would not like what happened. This not only adds to my stress, but is making me feel uneasy at work. Phone calls is one thing, but threats of embarrassment of my employers and coworkers is taking it to a new level. Not only that, but threatening to be sued when they bought a junk loan. Not sure if there is any recourse here, but I'd sign up if there was one.

Michael Agruss Headshot

Hi Georgia. This certainly sounds like a case of harassment to me. Calling third parties (your mother and coworkers), threats, and calling your workplace if you have told them to stop all qualify as harassment under the Fair Debt Collection Practices Act (FDCPA). You could receive monetary damages as a result. Please give me a call if you are interested in our help. Thanks, Mike.

I had financial problems some years ago and settled with every creditor. I moved quite a lot and cannot find all the settlement papers. Port Rec reported this debt for some years and when it was time (10 years) it dropped off of my credit report. Six months later they are telling me I still owe this and wants me to pay them. I have not contacted them yet about this new nonsense.

Michael Agruss Headshot

Hi Roberta. If they call you again, tell them to stop calling. If they continue to call you after that, they would be violating the Fair Debt Collection Practices Act (FDCPA). Otherwise, we will find another solution to help relieve you of this stress. Please give us a call if you have any questions on how we can help you. Thanks, Mike.

They called me marketing threats

Michael Agruss Headshot

Hi Randy. Did they threaten you with legal action? What did they say over the phone and how often do they call? I would like to help you resolve this issue, however I need to get more information about your experience with Portfolio Recovery to be able to help. Please give me a call if you have any questions. Thanks, Mike.

I have been getting calls from Portfolio Recovery starting in 2009. They start calling at 7:30 am to 9:30 pm and roughly about 10-15 calls during the day and depending on certain days can be less, Back in 2009 when they first starting calling I told them I was put on disability for a rare crippling disease and at that time I was only getting $670 a month to live on. At the being they harassed me for a supposedly a 500 debt. We negotiated that I would pay $25 a month until the debt was paid off which I did do for 2 yrs. which means I paid them $600 for 2 yrs. Threw those 2 yrs. Portfolio Recovery was still calling me. In 2010 I was in the hospital having surgery and just got into my room I got a wireless call on my cell phone. when I pick it up I found to my surprise it was a guy from Portfolio Recovery who said I supposedly owe a debt of $500. Again I told them man I was on disability and no less I was in the hospital recovering from surgery. I even had a nurse tell him that, yet the guy still wanted to know if I had a check book on hand to pay a $500 debt. I hung up. It still didn't stop them from trying to call my cell phone as a wireless caller. I eventually had to disconnect my cell phone and get a new phone threw another agency so wouldn't get the annoying calls from them. Yet to this day ( including today) I'm still getting calls from Portfolio Recovery on my home line. Still starting early in the morning until 9:30 pm to 10:00 pm. By the way I did get a card saying they were being sue and I was on the list of being of one of the cell phones they were using with out are permission, but unfortunately my aide threw the card away before I couldn't contact them. Sincerely Darlene Stowell

Michael Agruss Headshot

Hi Darlene. It sounds like Portfolio Recovery may be harassing you under the Fair Debt Collection Practices Act (FDCPA). However, I would like to get more information from you regarding your experiences and their practices in order to be sure we can proceed. Please give us a call so that we can discuss further on the phone and I can answer any questions. Thanks, Mike.

In September 2009 my Mother received a court summons from Portfolio Recovery. at this time she was i a rehab facility recovering from hip replacement surgery. I went to court on her behalf and explained she only has her social security coming in. I agreed to pay $100 a month for her, my money not hers, to this law firm in Knoxville. I paid the money up to April of 2015. At which time they returned my check with a letter stating the no longer worked with Portfolio. In September 2015 I find out Portfolio and another company are to return money they were paid for debt they could not prove. I was expecting the money to be returned to me. My Mother passed away in November and now another law firm here in Nashville is calling wanting to collect the debt even tho she has passed away. Can you help get this money back?

Michael Agruss Headshot

Hi April. I am so sorry for your loss. Portfolio Recovery has harassed consumers in the past regarding debts that may or may not belong to them. If Portfolio Recovery is harassing you an alleged debt, we can help resolve this issue for you. Please give us a call if you have any other questions. Thanks, Mike.

portfolio recovery harassment on accounts that have been discharged in bankruptcy for over 15yeras. They want over $3000.00

Michael Agruss Headshot

Hi Williard. I would like to get to know more about your experiences with Portfolio Recovery so that we can know how to best help you resolve this issue. Please let me know if you have any questions. Thanks, Mike.

I have been getting calls almost daily from this company for over a year and have my name on the do not call registry! I do not owe anything on any of my credit cards that I will not pay off when the bill comes in! I do not carry a balance on any credit cards and have not for a while! Can you please stop these people from calling this number? They are calling on Sunday, and I do not do business on Sunday! That is the Lord's day and I do keep it holy as much as I can! Any help will be much appreciated! Thanks and have a great day!

Michael Agruss Headshot

Hello Norma. Have you told Portfolio Recovery Associates that you want the calls to stop? Under the FDCPA, you have rights regarding phone calls, which I can help with. I will reach out to you, or feel free to contact my office at a time that works for you. Thanks, Mike.

This number calls 3-4 times a day. Never leaves a message, Caller ID says Portfolio Recovery also uses 817-345-7044

Michael Agruss Headshot

Hi Patrick. Have you ever answered the phone when they call? Do they say that you owe on a debt? I would like to get to know more about your experiences with them so that I can see how I can help your situation. Please give us a call if you have any questions that we can answer. Thanks, Mike.

call 4-5x per day (Monday-Sunday) from different numbers, just a few minutes ago 914 595 7031, 817 500 4360, it goes on and on and on.

Michael Agruss Headshot

Hi Diana. What do they say when they call you? And have you told them to stop calling you yet? If you have not, do so. If they continue to call you after you have told them to stop, they would certainly be violating the Fair Debt Collection Practices Act (FDCPA). Please give me a call if you have any further questions. Thanks, Mike.

This company calls three to five times daily they will not leave a message .

Michael Agruss Headshot

Hi Willene. Have you told them to stop calling? If not, tell them. After you say this, they cannot call you anymore otherwise they would be violating the Fair Debt Collection Practices Act (FDCPA). Please give us a call if you would like to speak more about how we can help you. Thanks, Mike.

This is what I told them: My name is Scott Laffin And the reason for this e-mail is to complain that your company is still harassing me and not honoring my cease and assist order. Multible times a day I am being called by your company with no message being left after I told them to stop calling me (Call repeatedly or continuouslyThe FDCPA considers repeat calls as harassment. [15 USC 1692d] § 806(5)) This debt is 13 years old thus the statue is long been exceeded also when I told this to your associate they said this is not true they can collect for ever which is another violation! Threaten action they cannot or will not take Collectors can't threaten to sue or file charges against you, garnish wages, take property, cause job loss, or ruin your credit when the collector cannot or does not intend to take the action. [15 USC 1692e] § 807(5) If this doesn't stop today I will soon be receiving money from you believe me and I`ll laugh all the way to the bank. My number is 541-******* so good luck with this one and I just that you are on notice I am recording all calls. Scott Thank you for submitting! Your complaint number with Portfolioorecove 412-235-6111: #131022-000788 Expect an email shortly confirming your complaint. Please keep your complaint number handy as it will be useful for checking on the status of your submission. You can return to consumerfinance.gov/complaint anytime to log back in and check on the status of your complaint.

Michael Agruss Headshot

Hi Scott. The Fair Debt Collection Practices Act (FDCPA) does indeed protect consumers against harassing debt collection practices such as the ones that you mentioned. If you have experienced this with Portfolio Recovery, we can help you resolve this issue. Please give us a call if you have any more questions. Thanks, Mike.