Undergraduate Degree Breakdowns
Bachelor of Fine Arts (BFA)
Rooted in practical skills and professional knowledge, the BFA degree provides students with a disciplined approach to the study of Industrial Design. The general education program (Liberal Arts) supports major coursework by promoting the breadth of knowledge, critical thinking and communications skills necessary to analyze issues from multiple perspectives. Student portfolios will demonstrate the variety of skills and creativity developed. Graduates enter the field prepared for professional opportunities in Industrial Design.
Associate of Arts (AA)
The Associate of Arts degree provides students with an introduction to a particular field of study in art and design with a firm foundation in the concepts and problem-solving skills of that field. Once earned, the Associate's degree can also be used as a stepping stone to the Bachelor of Fine Arts degree. The Academy of Art University Associate of Arts Degree is specifically designed for seamless transition into the Academy of Art University Bachelor of Arts Degree and to apply for entry level positions in the industry.
Make sure Portfolio Recovery Associates validates the debt according to the law. If it doesn’t, then send Portfolio Recovery Associates a notice of insufficient validation. If Portfolio Recovery Associates cannot validate the debt, then game-over — it has no legal basis to collect the debt.
If it can validate the debt and the statute of limitations has not expired, then move to the next step.
3. Negotiate A Settlement With Portfolio Recovery Associates
Collection agencies buy collection accounts for 1 to 10 cents on the dollar, typically. The fresher the account, the more an agency pays for an account. Portfolio Recovery Associates has a reputation for buying collection accounts directly from original creditors, so their accounts tend to be fresher than others in the industry.
The individual debt collectors who work for Portfolio Recovery Associates are paid on a commission, and have extra incentives to make deals at the end of the week or end of the month. Use this to your advantage if you want to negotiate a settlement to the debt.
Because Portfolio Recovery Associates usually owns the accounts it is collecting and is not working for the original creditor, it has a huge range of flexibility in settling the debt. Expect settlements on Portfolio Recovery Associates accounts to range from 40 to 60 cents on the dollar.