Let me preface this by saying, I do owe a small amount to the originating company, and I do intend to pay it back once my financial situation permits. However, that company is very low on my list of owed money, and the account in question has been closed for a couple of years now.
I received a big scary document in the mail allegedly from my local municipal court. I opened it to find a Complaint for Money case had been filed against me by our friends at Portfolio Recovery Associates, LLC. It included a Summons, a case file, a photocopy of a Bill of Sale and Assignment for the debt claimed (""for value received"", but with no dollar amount indicated, which I think is illegal), and a photocopy of an alleged account statement from the originating company showing a bill from 2013.
I say ""alleged"" account statement, because the account in question, while it once was valid, was closed several years ago, and prior to 2013, when I'd logged into my account online to get the statements, they were gone. I'd called the originating company prior to 2013 to find out how much the balance was so I could figure out how to pay it off, and they said because the account was closed, they no longer had access to past account statements and could no longer accept payments.
So I question how it is magically possible for PRA to have conjured up an account statement from 2013 when they no longer existed prior to that year.
I say that it is ""allegedly"" from my local court and I say ""alleged"" legal documents because authentic legal court documents issued by a court do not have the words ""This communication is from a debt collector and is an attempt to collect a debt..."" printed along the bottom of the court's documents as well as every page in the letter. The court's documents would contain only the court's data on their official paper.
I must say, PRA has done a very nice plagiarism job. It almost got me, but I'm smarter than that. I can see how it would easily fool some people. I'm pretty sure it's illegal to forge official court documents, especially when they bear a line that clearly states it's an attempt to collect a debt. Nice touch with the Clerk of Courts stamp, also fraudulent, as that person is no longer in that position.
Also, they forgot to notarize it.
(Do your research, people! Know who your court clerks are, and know what your court's mailing envelopes and documents tend to look like. Oh, yeah, the envelope is also fraudulent.)
Portfolio Recovery Associates Reviews
Let me preface this by saying, I do owe a small amount to the originating company, and I do intend to pay it back once my financial situation permits. However, that company is very low on my list of owed money, and the account in question has been closed for a couple of years now.
I received a big scary document in the mail allegedly from my local municipal court. I opened it to find a Complaint for Money case had been filed against me by our friends at Portfolio Recovery Associates, LLC. It included a Summons, a case file, a photocopy of a Bill of Sale and Assignment for the debt claimed (""for value received"", but with no dollar amount indicated, which I think is illegal), and a photocopy of an alleged account statement from the originating company showing a bill from 2013.
I say ""alleged"" account statement, because the account in question, while it once was valid, was closed several years ago, and prior to 2013, when I'd logged into my account online to get the statements, they were gone. I'd called the originating company prior to 2013 to find out how much the balance was so I could figure out how to pay it off, and they said because the account was closed, they no longer had access to past account statements and could no longer accept payments.
So I question how it is magically possible for PRA to have conjured up an account statement from 2013 when they no longer existed prior to that year.
I say that it is ""allegedly"" from my local court and I say ""alleged"" legal documents because authentic legal court documents issued by a court do not have the words ""This communication is from a debt collector and is an attempt to collect a debt..."" printed along the bottom of the court's documents as well as every page in the letter. The court's documents would contain only the court's data on their official paper.
I must say, PRA has done a very nice plagiarism job. It almost got me, but I'm smarter than that. I can see how it would easily fool some people. I'm pretty sure it's illegal to forge official court documents, especially when they bear a line that clearly states it's an attempt to collect a debt. Nice touch with the Clerk of Courts stamp, also fraudulent, as that person is no longer in that position.
Also, they forgot to notarize it.
(Do your research, people! Know who your court clerks are, and know what your court's mailing envelopes and documents tend to look like. Oh, yeah, the envelope is also fraudulent.)