Portfolio Recovery Associates, Inc. Debt Collection Complaint

Portfolio Recovery Associates, Inc. Debt collection department,

Credit card Taking/threatening an illegal action Threatened to sue on too old debt Louisiana

This complaint is in regards to the Enforcement Action taken by the CFPB against - and Portfolio Recovery Associates, and is being made on behalf of my mother for whom I have power of attorney. Background : Portfolio Recovery purchased Debt that was beyond the statute of limitations under Louisiana law. In connection with their attempts to collect this debt, Portfolio Recovery made excessive phone calls, threatened to file a lawsuit and ultimately filed - judgments against my mother. Copies of these judgments can be provided if needed. Paragraph - under - - of the Consent Order - - -. - ) signed on -/-/-, reads as follows : '' For the judgments obtained during the Relevant Time Period from Time- Barred Debt Collection Lawsuits that have yet to be paid, expected to total approximately $3400000.00, Respondent must


to any Time-Barred Debt Collection Lawsuit ; d. Request that the consumer reporting agencies amend, delete, or suppress information regarding any Time-Barred Debt Collection Lawsuits, and associated judgments, as applicable. " According to the Consent Order the following terms should be noted : - '' Debt Collection Lawsuit '' means any lawsuit filed by Respondent, or on behalf of Respondent by a Law Firm, against any Consumer for the purpose of collecting any Debt. - '' Relevant Time Period '' means the period from -/-/- to the Effective Date. - '' Respondent '' means Portfolio Recovery Associates , LLC and its successors and assigns. - '' Time-Barred '' when used to describe a Debt means any Debt that is beyond an applicable statute of limitations for a Debt Collection Lawsuit. " In reviewing the Consent Order, I believe the judgments filed against my mother are part of the Enforcement Action and therefore should be released. She has not received any communications from Portfolio Recovery regarding their actions in response to this Consent Order, which should have been made within 90 days from the effective date ( -/-/- ).