Porfolio REcovery contacted my home, reference, credit card from 1997 Visa account, now $15000 (VISA). The lowest payment they are willing to receive is $215.00 per month via checking account. They provided no evidence of authenticity of account nor if the account did exist how they came up with such an astronomical balance. Every time I ask questions they threaten to take me to court, and feel more threatened than worked with. They threaten you (fear factor) more than they validate.