Portfolio Recovery Associates, Inc. Debt Collection Complaint

Portfolio Recovery Associates, Inc. Debt collection department,

Credit card Communication tactics Frequent or repeated calls New Jersey

I have a debt with - - for a credit card I had my freshman year of college. I understand that I am responsible of paying the debt, and I am willing to do so. Over the years, I 've been contacted by several different debt collectors, sometimes - different collectors in the same month attempting to collect the same debt. With Portfolio Recovery, they will and have called both mine and my mothers personal line asking for payment. Today in particular, a woman from the company called asked if I could make a payment today. I said I was unable to do so at this time. She then asks if they can expect payment by the end of the month. Again, I said, I 'm unable to do so at this time, and when I can, I will call you. She beings to laugh and asks " well what type of work do you do? '' Taken aback, I responded " excuse me? '' and she repeats the question. " I do n't see the relevance of that with the reason you 're calling today. '' The woman begins laughing, again, so I said goodbye and ended the call. Several times in the past I 've asked this company for written notice so that I can have a paper trail of who my money is being sent to. They informed me that while they can take my credit card information over the phone, they are n't allowed to send me anything about the debt in the mail unless I first write them a letter. I searched the company on - and they have hundreds of negative complaints from others like myself explaining similar cases of harassment and unprofessional phone conversations. Again, I can and will pay the debt, but not until I have proper documentation about the debt and the collector.