Portfolio Recovery Associates starting calling my wife and I in 12/2008 in an attempt to collect on a debt from 11 or 12 years ago. I have since learned that this is a new tactic by the collection agencies to make money. This debt is referred to as 'zombie debt' because it is supposed to be dead and gone but has been unscrupulously been brought back to life. When my wife and I got married, the first thing I did was pay all her debt and clean up her credit report. She has had a 750 credit score for the last several years. Neither of... read full review »