How do you figure that you owe them money? Have you ever done any business with Portfoolio? Have you ever received any goods or services from these bottom-feeding vermin? OTOH, has Portfoolio Recovery documented and verified a debt they claim they bought from some bank that had written it off 15 years ago (and got generous tax breaks for the bad debt.)?  Can they prove this is your debt?  I forced these vermin to answer my inquiry to them by complaining to the state attorney general's office -- consumer protection -- their lawyer wrote back in black and white the admission that the debt could not be verified. So, has the so-called debt they say you owe them been verified?  He also said they bought the line in a printout (from some bank I never heard of) in 2001, though they never started their harassment campaign until 2009. Statute of limitations, anybody? (That would only apply if they could verify the debt, which they can't, so back to square one...)Tell them to take a very long walk off a very short pier. You owe them nothing.