I received a call out of the blue today from Portfolio Recovery. I have to admit the call made me angry as I am working hard to clean up my file and build better credit. They claim I owe them for a MC. I told them I was not aware of ever owning a master card, which is true. However I could have back before my divorce in 08. So my last payment would have been made in Summer of 2008 if I burned them. SOL is 4 years in California, so the debt is nearly 9 years old! OUT of SOL and completely off my credit reports. So I told them, I don't recall ever having a master card, and if I did the SOL was well past over. Do no call me again, and I hung up. Furious they would even attempt to collect..
Of course the first thing I did was a search here, and I see Portfolio Recovery is terrible to work with. So now they have my new contact information, I can assume they will be attempting to sue as they do so many. Time to prepare, and thank you all who have shared your experiences with them before. I guess it won't be a difficult defense since the SOL has long run out.
