why is portfolio recovery calling me

Portfolio Recovery is calling because they likely believe you owe a debt that they have purchased from the original creditor. When creditors cannot collect on a debt themselves, they often sell it to debt buyers like Portfolio Recovery Associates (PRA), who then try to collect the debt through calls, letters, and other methods. However, the debt may be old, disputed, or possibly already paid, so it is important to verify the debt and know your rights under laws like the Fair Debt Collection Practices Act (FDCPA) which protect against harassment. If you do not owe the debt or are unsure, you can request debt validation from Portfolio Recovery to clarify the amount and legitimacy of the debt. Persistent calls can be stopped by sending a written request to cease contact. In short, Portfolio Recovery is calling because they likely own a debt account they believe you owe and are attempting to collect on it.