Mar 30, 2011
PORTFOLIO RECOVERY ASSOCIATES, LLC
ATTN: JUDITH S. SCOTT (ETHICS CONTACT)
120 CORPORATE BLVD STE 100
NORFOLK VA 23502-4962
Also DBA (“Doing Business As”): Anchor Receivables Management
Additional Offices:
4829 HIGHWAY 45 N
JACKSON TN 38305-7900
NEW MARKET MALL
5200 W MERCURY BLVD
HAMPTON VA 23605-1445
500 W 1ST AVE
HUTCHINSON KS 67501-5222
Phone: (757) 321-6270
Fax: (757) 321-2465
E-mail: cmarndt@portfoliorecovery.com
(The above is a USPS Validated Address and is in ALL CAPS to be USPS Compliant)
The Culprit:
http://www.portfoliorecovery.com
Behind the Culprit:
http://vacollectors.org/default.aspx
List of Associated Collection Firms:
http://vacollectors.org/members.aspx
Laws to Protect You:
http://www.ftc.gov/os/statutes/fdcpajump.shtm
These people know the guidelines to a limited degree, and they get paid well to be as combative and intimidating as possible. They use phone 'spoofing' to use time differences against you and will try to confuse and control the call. One of the best tricks they use is refusal to disclose who they are and their physical address. If you request the firm ceases the calling (or) ask that they provide the alleged debt in writing, they do not have to comply unless YOU send them a letter stating your wishes. The above is the information you need for many of the calls you get. Send the letters Certified Mail, Return Receipt and make sure you TYPE the requests professionally, with proper grammar and spelling. The more they can make you look ignorant (or) incompetent the better chance they have to get a quick 'default judgment' and begin garnishing your wages. Know your rights, and keep an eye on dockets for civil cases in your state against you. If you show up prepared, you will be surprised how often you come out on top!
** Amended to Address some Complaints **
An agency may only call at hours presumed to be convenient for the debtor -- generally, between 8 a.m. and 9 p.m. (in YOUR Time Zone). If these hours are inconvenient for you, you may ask the agency to contact you at other times. There is no law that specifically limits the number of calls an agency may make to you, but repeated calls over a short period, which may be annoying or harassing, are prohibited.
** I have found the additional offices (With the USPS Validated Addresses). Additionally, I have found their in-house counsel. No one in the world hates being sued MORE that a Lawyer – even worse, if you document your case carefully, professionally, and consistently; you may make a complaint to the area Bar Association against the attorney in question. A Bar complaint is a huge pain for a Lawyer and their Law firm. **
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Head Debt Collectors:
Steve Fredrickson, CEO
Email: sfredrickson@portfoliorecovery.com
Andrew Holmes, President
Email: aholmes@portfoliorecovery.com
Craig Grube, Sr., VP
Email: cgrube@portfoliorecovery.com
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Donald A. Williams, Associate General Counsel
Email: dwilliams@portfoliorecovery.com
How to make a complaint against a lawyer in Virginia:
http://www.vsb.org/site/regulation/inquiry/
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