Portfolio Recovery is back

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Two years ago Portfolio Recovery Associates attempted to collect on an old debt. A DV letter and complaint to the VA AG had them stop and remove the TL from all three CRAs.

Fast forward to today. In the mail arrives a dunning letter for payment. This is an old debt of my DW that went delenquint in 1999. SOL in MI is 6 years. This is well past SOL. So, my question is do we DV them again or just send a cease and desist?

I will ask her to pull her reports to see if they are reporting.


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