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  1. So with all the reading I have been doing and the battles I have faced so far, I am not sure I have my mind around one issue. Portfolio has been calling about a GECRB account that was last paid on in 2010. I am in KY and in May of 2015 they sent a letter about this account that said "Second Notice: Forwarded to Litigation Department ... " I was misfiled with another issue I was dealing with and I found it looking for other information on the other account. It has been 9 months and nothing has been filed and the calls are coming twice a day every other day. I have talked to them once and t