topic Re: Got a call from Portfolio today in General Credit Topics

Got a call from Portfolio today

Anonymous — Wed, 05 Sep 2007 14:31:02 GMT

I received a call from a collection agency, Portfolio. They claimed that I had a Chevy Chase credit card back in 1994 that went delinquent. I told them that I was not aware of having this credit card and would like for them to send me the supporting documentation. Was this the right thing to do and what do I do next?

Re: Got a call from Portfolio today

Anonymous — Wed, 05 Sep 2007 14:37:27 GMT

Immediately send a DV to them
Ask to only communicate with you via mail.
Dispute the validity of the account.

Re: Got a call from Portfolio today

Anonymous — Wed, 05 Sep 2007 14:44:59 GMT

Tell them to take the longest run off the shortest pier in town. Advise then that this account is past the reporting limitations under the FCRA and that if it shows on your CR you will immediately report them to the FTC. I'm sure that there is no such thing as an SOL of 13years on a debt of this kind. Advise them if they call you again, you will sue them.

Welcome to the workd of zombie debt collectors

Of course after you get validation that the debt is 13 yrs old

Message Edited by Brammy on 09-05-2007 10:44 AM

Re: Got a call from Portfolio today

Anonymous — Wed, 05 Sep 2007 16:11:03 GMT

Thats really old! Wonder it the old debt is even legit?

Re: Got a call from Portfolio today

Anonymous — Wed, 05 Sep 2007 16:12:25 GMT

ilovepizza wrote:
Thats really old! Wonder it the old debt is even legit?

A debt is a debt if the op chooses to pay it but under SOL and FRCA is under no oblligation to pay it