So I tried to send a PFD letter to the original collection agency (portfolio recovery associates) They responded telling me that I would have to speak to the attorneys office that the account was in their hands. I responded asking who currently owns the debt... They responded today saying that Portfolio Recovery Associates owned the debt. Read below. 1st email response: On Feb 6, 2012, at 2:32 PM, edited <************@portfoliorecovery.com> wrote: Account # *********** Your email has been received and noted. This account is currently handled by an outside attorney office. For additional account information or to discuss payment/settlement options please contact the office listed below: Wright and Lerch 2001 Reed Road Suite 100 Fort Wayne, IN 46815 Telephone: 260-423-6655 ****** ********** Assistant Vice President Portfolio Recovery Associates This communication is from a debt collector My response: Sent: Monday, February 06, 2012 4:28 PM To: ***** ******* Subject: Re: PRA Contact Form ****, It seems as though this office is acting as a debt collector and not an attorneys office. Who currently owns this debt from account # **************? Their final response: PRA currently owns the debt but it has been assigned to the attorney. They will work to resolve the account if they can rather than pursue other avenues. If you can work out a pay plan with them it would be to your advantage.
Edited to remove a name - llecs, myFICO moderator
