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heres why you shouldnt pay portfolio recovery a dime until you watch this entire video first my name is michael wassick im one of the lawyers at ricardo and wants like here in florida together with my partner jason ricardo i help people just like you overcome foreclosure and debt collection with dignity and today im going to tell you why portfolio recovery is something you shouldnt pay a dime to unless you first watch this video all the way through and educate yourself and know your rights so portfolio recovery is a debt collector and a junk debt buyer and that means that they buy old stale charged off credit card debt from credit card companies they spend pennies on the dollar and they want to turn that into dimes quarters and even dollars by collecting it from people just like you and the way they do that is they buy these mass pools of loans and they get an excel spreadsheet with a list of names and a list of numbers and then they start sending letters making phone calls to the