I called to settle an ongoing debt with Portfolio Recovery Associates. I was absentminded enough to give them my social security number when asked. I obviously wasn't thinking clearly. The debt is around 7-8 years old for $2095. What action will they take against me and is there anything I can do to prevent them from coming after me?
Even though this is a debt collection agency, they are subject to several state and federal privacy laws that protect the consumer from illegal use of your private information, such as SSN or DOB. Best thing to do is not get stressed over it. Does this company have a judgment against you? If not, then I would simply ignore this and if they threaten to sue you and you have not paid it in over four years, then I would not pay it. If you were sued or about to be sued, then consult with a debt collection DEFENSE attorney, do you don't waive your rights and end up with a big money judgment against you.
NOTICE: The above statements are provided for general information purposes only and are not intended as legal advice or advice of any sort for a specific case or legal matter. If you do not have a signed attorney-client fee agreement with the Consumer Law Office of Robert Stempler, APC ("the Firm"), then until such written fee agreement is provided and signed by both a prospective client and attorney for a particular case, neither Mr. Stempler nor the Firm will represent you nor will they be your attorney in any matter and you remain responsible for retaining your own attorney and for compliance with any and all deadlines and for any statutes of limitations that may pertain to potential claims. Comments made on a public forum, such as Avvo.com, to not have any confidentiality because others may read them. The result portrayed for a client was dependent on the facts of that case. Results will differ if based on different facts. The Firm and Mr. Stempler are a debt relief agency. The Firm and Mr. Stempler help people file for bankruptcy relief under the Bankruptcy Code.
You need debt settlement. You may decide to file bankruptcy.
All of Ms. Straus’ responses to questions posted on Avvo are intended as helpful information based upon the facts stated in the question, and are not to be relied upon as a full or complete legal opinion. It may not be what you wished to hear, and it does not create an attorney-client relationship. Ms. Straus has been licensed to practice law in California for 30 years. Ms. Straus regrets to report that you cannot get contact information about her in any way, shape or form, as Avvo wont let you. Good luck.
Do they have a judgment against you? If there's no judgment yet, have they sued you? They usually want the social security number to aid in their enforcement of a current or future judgment, if any. Specifically, an ssn is helpful if they attempt to levy bank accounts or garnish your wages. If you have settled the debt, however, it is likely you do not need to worry about these possibilities.
My answer is general information only and is not legal advice.
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