Ok, so I've been reading through these boards (incognito) for quite some time, and have found both practical and tactical advice. One thing I have learned - start your own thread. So here I introduce you my bout with Portfolio Recovery Services, who are proud owners of my Walmart Store Card.
Ok, so when I applied for my Walmart Store Card in '11, I used my home phone without ANY trace of my cell phone on ANY application, or in my account back end. I was promised account protection products for free in the event of injury or accident - (CFPB action against then-GE Capital is here: http://www.consumerfinance.gov/newsroom/cfpb-orders-ge-capital-to-pay-225-million-in-consumer-relief-for-deceptive-and-discriminatory-credit-card-practices/
, although Synchrony refuses to pony up any cash for me - a person who fell under the action).
So, I defaulted and went about my life. First call to my cell phone from Portfolio Recovery Services was on August 28th at 1:09PM. I immediately told them they had no permission to call my cell, told them to C & D future calls and to validate the debt.
Call #49 was placed to my cell phone on October 23rd, 2014 at 8:48PM. ALL 47 calls between (including the last, so 48) have been autodialed calls to a cell phone they were never given permission for in the first place.
On to the questions:
1) If I hire an attorney, they'll want to go class action (I assume), which cuts down my paycheck potential even if I'm called a representative - how can (or should) I hire an attorney to handle potential settlement?
2) I have all logs (dates, times, call 'from' and what I was doing). How much or WHAT should I put in an ITS letter? Does anyone have a format they can bleep out for me?
3) What is determined 'negligent' so I know if I'm shooting for $500 or $1500?
They've used 4 different numbers, and all but the first and were autodialed. Any help would be appreciated, because I essentially want these clowns to send an attorney to Indiana where my court system will eat them alive. If they go District in Indiana, fine - they'll bear the burden of all expenses to the lawyer that will be shamed in court.
BTW, I believe Portfolio Recovery was ran through the coals to the tune of $700k in New York or West Virginia - maybe I can catch them while they're still stinging?