Hey Claire Arndt at Portfolio Recovery - Please keep calling me you delightful little trolip - I love it when you threaten me and call me dirty names...it feels so good and you turn me on baby.

I want to marry you Claire Arndt - please be my bride! :)

Bubby

Don't call Claire Arndt at 757-961-3537 because she will call you a dirty name. She has got some potty mouth on her.

Claire Arndt of portfolio recovery associates is a sick, degenerate psychopath - and her mother is even worse.

Anyone this sick like Claire Arndt who is abusive and criminal towards so many people, must be a poor mother as well.

I plan on contacting child protection services to investigate her, and hopefully get her children into a safe foster home, away from this degenerate who may call herself a woman, but acts like a demented man.

This dirty lady is a lying piece of scum - she needs to have her filthy little diseased mouth washed out with bacterial soap.

signed,

Disgruntled prey you are after, and I won't ever give you a penny you stinkin' smelly pig.

May a flock of pigeons crap on Claire Arndt, and cover her scamming face.

Payback? Consumer lawsuits against bill collectors skyrocket

By Tony Pugh, McClatchy Newspapers Tony Pugh, Mcclatchy Newspapers ? Thu Jul 1, 5:08 pm ET
WASHINGTON ? Shawn Traylor of Stamford, Conn. , still doesn't know what the debt was for or how much it was.

He did know it wasn't his, and he knew he wasn't going to pay it.

So when bill collectors started calling four to five times a day in March, Traylor, a 39-year-old finance officer, sent them a letter asking them to verify that the unknown debt was his.

When he got no reply, he sent another letter, this time by certified mail, asking that they stop calling his home since they never verified that he was the delinquent account holder.

Instead, Traylor said, the collection agency called the next day. "And the day after that, and the day after that and the day after that," he recalled.

Sergei Lemberg , Traylor's attorney, said the continued calls after Traylor asked in writing that they stop were a violation of the Fair Debt Collection Practices Act. The law bars debt collectors from using abusive, unfair and deceptive tactics to force consumers to pay.

Since the recession hit in 2007, federal lawsuits filed under the Fair Debt Collection Practices Act have more than doubled, while complaints about problem collectors have skyrocketed.

In addition to Traylor's lawsuit, which is in settlement negotiations, Lemberg's firm has filed about 1,500 such lawsuits in the past three years. He said the economic downturn has created a nightmare for cash-strapped borrowers and lenders now saddled with delinquent accounts.

"I think debt collectors have become more aggressive by necessity because folks just have less money. And how do you collect more from people who have less money? You have to become more aggressive," Lemberg reasoned.

As a result, consumers feel cornered. "And consumers are more likely to think legal when they're being cornered" Lemberg said.

The numbers suggest he's right. In 2007, nearly 4,400 federal lawsuits were filed for alleged violations of the law, according to WebRecon, a website that tracks the filings for the collections industry.

As the recession deepened, the number rose to 6,000 in 2008 and then to nearly 9,300 in 2009. This year, filings are on pace to reach nearly 12,000, said Jack Gordon , the president of WebRecon.

Unlike Lemberg, Gordon doesn't think the filing frenzy is rooted in the recession. He said the spike in lawsuits began years before the economy tanked. The greater culprit, he asserts, is the Internet.

"You can't type the name of a collection agency into a search engine without getting bombarded by (advertisements) from consumer attorneys begging you to call them before you pay a penny to a collection agency," said Gordon, a former debt collector who left the business over frustration with frivolous lawsuits.

Generally, debt collectors can't contact you at inconvenient places or times, such as at work or between 9 p.m. and 8 a.m. ? unless you okay it. The law also prohibits bill collectors from threatening violence, using profane language, or using the phone to annoy someone. Collectors also can't lie or misrepresent themselves or the amount a consumer owes.

The law requires that collectors, within five days of first contacting a consumer, send a written "validation notice" that gives the name of the creditor, the amount owed and what to do if you dispute the debt.

Gordon said "gray areas" of the law make it hard for collectors to follow the guidelines and do their job. For instance, the law requires debt collectors to identify themselves in messages left for consumers. But it also prevents them from telling others about a person's debt.

"So if you get a (phone) message from a collection agency, you can claim they disclosed the debt to a third party because your buddy heard the message," Gordon said.

Websites such as Debtorboards.com and DebtorsFoxhole.com, also tell consumers the ins and outs of filing lawsuits to block overzealous collectors.

"People find their way to a website like that and then they're suddenly greeted by a community of people who tell them: 'You don't have to take that, you can sue. Here's how you do it.' They provide the instruction, the legal advice and the moral support," Gordon said.

Costs are an even bigger driver in the lawsuit surge. In most cases, it's cheaper for collection agencies to settle rather than fight a case, Gordon said. A collection agency can spend $10,000 to $15,000 to defend itself in a lawsuit. If the consumer wins, the agency will likely have to pay their opponent's legal fees as well.

"Now you're looking at $30,000 to $40,000 just for choosing to fight the case and not having won it outright," Gordon said.

Violations of the collection law can provide up to $1,000 in statutory damages and can include additional "actual damages" for mental, physical and emotional suffering. Plaintiff's legal fees are often awarded as well.

A borrower's actual debt isn't automatically erased with a victorious lawsuit. How the debt is resolved, however, can become part of the settlement negotiations.

Nonetheless, collections company tactics can be aggressive.

Philadelphia attorney Brent Vullings said: "Our concern is not with the underlying debt. Our concern is how they go about trying to get it and that's exactly what the (law) is in place to assist consumers with."

It wasn't until 2008, when millions of people lost jobs and were unable to pay their bills that problems with bill collectors really took off. Awash in red ink, credit card issuers declared as losses, or "charged off," $53.5 billion in uncollectible accounts in 2008 and nearly $81 billion in 2009, according to CardHub.com.

As collection agencies hired more people to handle the bad accounts, complaints about bill collectors exploded.

Debt collectors didn't crack the Federal Trade Commission's top 20 list of consumer complaints in 2007. In 2008 and 2009, however, they logged more than 224,000 FTC complaints ? second only to identity theft.

Vullings said that many complaints stem from mistaken identity, in which a collector wrongly thinks the actual debtor is on the phone.

"I've had collection agents tell people, "I know it's you,' 'don't lie to me,' 'stop skating the issue.' I get that all the time, Vullings said. "So you can just imagine what's being said and done to a person who actually has the underlying account."

With the change of governor in Virginia, it will be interesting to see if the new governor will do the right thing, and close down this massive illegal boiler room operation.

Portfolio Recovery Associates, owned by the master scammer Steven D Fredrickson, might be the biggest scam operation on this planet. Steven D Fraud should be his name. Don't ever communicate with them and NEVER send them any money, or it will only get worse.

geez - you guys are right - this claire Arndt has got a discusting potty mouth on her - she need to get it washed out with soap...maybe baking soda is better.

anyway - I stood my ground and i will never send these slimballs any money.

Portfolio Recovery Associates is getting sued. Good, and I hope I am on that jury!

http://www.bizjournals.com/kansascity/otherci ... 17/daily18.html

Mrs Arndt - You are indeed a whacko. LOL

And it seems to me based on the information at various websites like you're also a scammer, and unfortunately that isn't funny.

I agree with the others that you need to be investigated by the police department.

You smelly deadbeats are not going to hurt my feelings no matter what you all say.

I am tuff - I have to be in a job like this - I am just doing my job - I don't own the company - Understand?

Signed,

Claire Arndt

Claire Arndt of portfolio recovery associates may or may not know who her real mother is...but she definitely doesn't know who her real father is...he could be any one of dozens of men the trolip mother was doing during that time.

Yes, "father's day" is indeed a confusing day for Claire Arndt - I wonder if she sends out dozens of father's day cards just so she doesn't possibly miss the right guy receiving a card? ROFL

This a collections agency - Portfolio Recovery Associates. They call all the time and if you answer the phone you will regret it! Best advice - don't talk to them - let them send you a letter if they have a real debt to collect! They won't answer questions, they won't do anything but accuse of you of owing them money and accuse of you refusing to pay. They call several times per day. And if they confirm your name they will track you down and start calling you at your job.  They leave voice mail messages in public phones at your job. They refuse to provide proof of the debt, they ignore written requests to stop calling you at your job, and they will file false lawsuits against you if they think they can get away with it. These people are the worst and they will stop at nothing to get money. I don't understand how this company is allowed to continue their practices. It's all over the internet about all the illegal things they have done to harass people. They will post false information to your credit reports in an effort to get you to respond or react.  They are liars out to get money from innocent people. Once you talk to them one time, you will never get rid of them unless you change your phone number. Their so-called legal department contains the worst people ever - they will say any awful thing they can to you to get you to stay on the phone so they can continue to harass you.

Claire Arndt is a sick, degenerate psychopath - and her mother is even worse.

This Portfolio Recovery Associates is a total scam operation.

Never, NEVER send them any money - it will only make your life worse!

Don't call Claire Arndt because she will call you a dirty name. She has got some potty mouth on her.

Claire Arndt, my oh my, you are obviously a lunatic. ROTFL

All the boys at Portfolio Recovery, we love Claire Arndt...she makes us feel so good.

Thank you Clairest, you're the Fairest, as we always say :)

Your good buddy,

Jethro

This will be my last and final response to this thread - You people are NOT going to provoke me - Got it?

The bottom line is if you smelly deadbeats would pay your bills, and not try to get products and services for free, then we wouldn't be calling you - Got it?

If you buy something with no intentions of paying for it, and you try to steal from our clients, then we are going to come after you - Got it?

And if anyone here doesn't like us for doing our job...well then that's just too bad so sad, because we will make you pay - Got it Hakeem?

Thank you and goodbye!

Claire Arndt

Hey Claire - Where ya been? Don't ignore us now - We know you're reading these tributes to you. LOL

Sincerely,

Jack

Claire, oh Claire where art thou?

My name is Hakeem...but I guess I'm not good enough for you, huh Claire?

Even with my poetic language? LOL

Hi Claire - How ya doing my love.

she spreads like a virus, but spreads her legs even more readily.

she just won't go away, has no useful purpose, makes people sick.  she will return for a thousand karmic lifetimes because of the misery and anxiety she spreads.

claire, the PRA website shows you as a corporate officer; are all women who sell themself cheaply thus promoted?

I would never lower myself and stoop to go out with someone named Hakeem. I know that's not politically correct to say, but if you don't want to be treated like a monkey, then stop acting like a monkey.

Signed,

Claire Arndt

Hi Claire Arndt - How was last night baby? You've got quite a bit of fur on you honey child - Next time shave for me will ya?

Thank you hon.

Love,

Hakeem

From Claire Arndt:

I find some of these comments despicable and repugnant. I am only doing my job at this company and I do not make any commissions off the collections. Please understand that I am just trying to make a living.

If you've got a beef with the company, then go badger the president of the company, not me, as I have nothing to do with collection procedures.

Thank you!

Claire