When debt collectors cross the line, our attorneys can help.

Get a Free Case Review

Portfolio Recovery Associates LLC


120 Corporate Blvd Ste 100
Norfolk, VA 23502-4962

Contact Them:

757-321-2504 (fax)
757-321-2465 (fax)
866-296-0635 (fax)

Portfolio Recovery Associates LLC is a company that works with various businesses to provide collection services and recover debt. Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.


    1. Brenda C. on July 17, 2014 at 2:19 pm

      I am a single woman working two jobs to support myself and my children. I need to spend every penny I have on medical bills, prescriptions, and household expenses. When I recently became ill, I fell behind in a few of my bills. Now Portfolio Recovery calls me every day at all hours of the day. They even call me at work. I’m scared of losing my job. I’m scared to answer the phone. With my health just getting back to normal, I don’t need the stress. Please help me!

    2. Tom C on July 23, 2014 at 6:41 am

      we recently received a bill from the state of wi. claiming that we owe over 1100.00 for taxes that we had done by turbo tax in 2010. among the list was a forgiveness of federal debt in the amount of 844.$ for portfolio recovery. we have no explanation nor have we ever heard of them yet they are claiming a forgiveness of debt on our taxes and we did not even know until now and why did it take 4 years for wi. dept. of revenue to discover this problem with our taxes?

    3. Wendi on August 17, 2014 at 2:35 am

      I have been in the mortgage financing industry for 15 years and Portfolio Recovery Services is very difficult to deal with. I lived in Las Vegas, NV, the most distressed market in the country and after the economic downfall, bankruptcies and debt sold from collection agency to collection agency i have seen the destruction that this company can and is doing. I am so pleased to see an attorney that fully understands the travesty that collection agencies like this are continuing to do and all things considered, other than a select few attorneys such as the Vullings Law Group, they are not being held accountable in many circumstances.
      The advice above is spot on. I became a student of credit and these violations as I watched my clients go through so many frustrations and at times I know more than i wish I knew. I will definitely be sending my clients to you in the future because you are removing things off of credit the correct and permanent way. Unfortunately some credit repair companies simply use a series of dispute letters in a specific pattern and format to remove items which only ends up being a temporary fix and it pops right back on their credit again. However they temporarily removed it and collected the clients money.
      Thank you so much Brent Vullings for fighting the good fight.

    4. Veronica on September 12, 2014 at 3:06 pm

      They call every day. They leave no message. I just got a call about 20 minutes ago. How they got my phone number is a mystery to me. Is there away I can sue them for harassment?

    5. Chris on September 20, 2014 at 3:14 pm

      They call every day. No answer, and they never leave a message.

    6. Sheryl on October 13, 2014 at 8:57 pm

      Portfolio Recovery has been calling me everyday! They call at least 5 times a day! I have also received calls on the weekends! When I answer the phone they hang up! What should I do?

    7. Ben Brierton on October 20, 2014 at 4:14 pm

      PRA has been calling me for over three years. I was laid off from my residential construction mangers job on Jan. 13, 2009. I quite making payments on a couple credit cards that month. Due to the economic down turn in residential construction and my age (64) I have not been able to find another job. I took early Social Security last year so that I would have at least a little income ($412 a month). Up until last year I told PRA every time they called that I did not owe them any money. I finally quit answering the phone if I did not know the number calling. Today I received a letter from then saying I owe them $1966.66 for HSBC bank of Nevada. N.A. The statute of limitations in Nevada for credit card debt is 4 years. Not sure what to do now, do I ignore their letter?

    8. Protn on December 15, 2014 at 9:08 pm

      They give me threats about legal action.

    9. Andre Brown on December 16, 2014 at 2:49 pm

      Portfolio has be calling me constantly for over 2 years now about a credit card debt that is over 10 years old. It isn’t even reflected on my credit report. This is getting old.

    10. Pamela Vandenberg on December 16, 2014 at 4:35 pm

      Potrfolio Recovery served me over a year ago for a debt ($2,000 +) that I feel is not mine with GE Capital – some credit card used for dental. I asked for proof of this debt, i.e. a signed contract, etc. and Portfolio says they don’t have that. I need to get it from GE Capital, Portfolio tells me. I sent a certified letter to GE Capital with a cc to Portfolio asking for these items and stating that in the State of Oregon you cannot collect a debt that is more than 6 years old, this debt was from 2006, and I didn’t hear anything again for a year! I figured all was done. I then received a judgment and mailed an answer to the court. Once again I called Portfolio, they have ceased and desisted for now and want another letter asking for items to prove this is my debt and that I should call GE Capital again. Called GE Capital again and they said they have given everything to Portfolio.

    11. Kristina Tegland on February 11, 2015 at 7:01 pm

      PRA calls non-stop at least 10 times a day for two years even after I requested verbally for them to stop doing so. I am unemployed and they have sued me twice for separate debts each less than $1,000. These debts are at least three years old. I learned today that they called a neighbor, which I know is a violation. I want this to stop. I found this webpage because I need an address to contact them.

    12. Melissa P. on March 5, 2015 at 10:25 am

      A judgment was obtain against me in an illegal manner by Portfolio Recovery Associates, since payments were made on the account their intent is to continuously refused to revealed payments made, false reporting, blatant reporting; using my own identity to obtain my credit report from the credit reporting agency. Portfolio Recovery Associates address is listed on my credit report under personal information/privacy violation. Illegal inquiries and other entity reporting false info.

    13. Sam on March 19, 2015 at 11:12 am

      For the last four years Portfolio Recovery Associates has tried to collect on a debt that was part of a discharge in bankruptcy court. The debt itself is 13 years old. This is more than twice the age beyond the statute of limitations in my state anyways. Over the last four years they have had supposed lawyers offices calling me, courier services saying they’re coming to serve me papers within the next 24 to 48 hours, and they themselves occasionally call. An almost score of different numbers calls. The debt Portfolio Recovery Associates is trying to collect was the smallest amount I owed to anyone when I filed bankruptcy. The original debt was maybe $300 tops. This company is merciless in causing headaches to collect a debt that is not even owed.

    14. Marcus Booker on March 28, 2015 at 3:59 pm

      Listen people…Until you receive a summons from a COURT and VERIFY that there IS a case you have nothing to worry about. The people at Portfolio Recovery Associates are not going to spend the time or money to recover the money. I went through a long ordeal with them and after 3 years. The statute of limitations is also on your side. The only reactive moves you should make is if they actually file a case against you. Dispute the debt and request proof that you owe it. If Portfolio Recovery cannot provide documentation they shouldn’t be trying to collect. Good luck.

    15. Liutgard on April 7, 2015 at 6:49 pm

      Portfolio Recovery Associates has been calling me a couple of times a week for more than *15 years*. PRA will not tell me who the original debt was from. They will not tell me the original debt amount. They will not tell me when the original debt was incurred. I have not had any credit cards since 1999. I’ve been very ill and am disabled- I couldn’t pay PRA even if I wanted to. I actually answered their calls once or twice, about 12, 13 years ago. They demanded immediate payment, I told them that I simply could not pay. They said they were writing it down that I refused to pay, I told them no, there’s a vast difference between ability and intent. The woman on the phone swore at me and hung up. Since then I’ve let the answering machine take all the calls from Portfolio Recovery Associates. I’ve not paid them a dime, and the SOL is long since gone on any supposed debt. Why they waste their time on me is mystifying.

    16. Ethel E. on April 19, 2015 at 9:30 pm

      My main complaint is that Portfolio Recovery Associates are not as understanding as other debt collectors I’ve dealt with. Portfolio Recovery Associates always make sure you know that your account is with their legal department. Portfolio Recovery Associates make you feel as if you had committed a crime for being unemployed and not able to pay a debt.

    17. Lynn Caldwell on June 5, 2015 at 7:17 pm

      Portfolio Recovery Associates LLC sued me two times. Portfolio Recovery Associates LLC’s case was dismissed each time.

    18. Claire B. on October 10, 2015 at 9:55 pm

      Portfolio Recovery Associates LLC buys debts for five cents on the dollar. Then Portfolio Recovery Associates LLC calls and harasses people like me to try to get the full amount of the debt.

    19. w88 on September 20, 2020 at 12:35 pm

      … [Trackback]

      […] Find More here to that Topic: […]

    20. gordon ramsay this morning bitcoin on September 30, 2020 at 4:33 am

      … [Trackback]

      […] Find More to that Topic: […]

    21. on October 3, 2020 at 1:34 am

      … [Trackback]

      […] Find More here on that Topic: […]

    22. what to say on Tinder when they don't respond on May 15, 2021 at 11:12 pm

      what to say on Tinder when they don’t respond

      Portfolio Recovery Associates Harassment & Complaints | Fair Debt Lawyers

    23. ang dating daan debate free download on May 18, 2021 at 10:24 am

      ang dating daan debate free download

      Portfolio Recovery Associates Harassment & Complaints | Fair Debt Lawyers

    24. what is the thesis of an essay on November 13, 2021 at 8:57 am

      Whoa, such a important websites.

    25. pa online casino promo codes on November 15, 2021 at 6:54 am

      I delight in the data on your internet site. Many thanks.

    26. sex games apps 2016 apk free on November 18, 2021 at 11:26 am

      Just wished to emphasize I am relieved I came on your page!

    27. kill la kill sex games on November 19, 2021 at 1:14 am

      Great looking web site. Think you did a great deal of your very
      own html coding.

    28. keto liquid diet on November 19, 2021 at 6:13 am

      Thanks, this website is really useful.

    29. is popcorn keto friendly on November 19, 2021 at 9:10 pm

      Incredibly individual pleasant website. Astounding info readily available on few clicks.

    30. keto bulking diet on November 20, 2021 at 2:06 pm

      Unbelievably individual friendly site. Great information available on couple of
      gos to.

    31. keto pie on November 20, 2021 at 9:56 pm

      Unbelievably user friendly website. Huge information available on few clicks on.

    Share Your Experience

    For security, use of Google's reCAPTCHA service is required which is subject to the Google Privacy Policy and Terms of Use.

    I agree to these terms.

    Vullings Law Group, LLC d/b/a VullingsLaw is not responsible for the content of the consumer comments provided here.  Vullings Law neither supports nor provides any opinion as to the statements made herein.