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Showing content with the highest reputation on 05/28/2017 in all areas

  1. Thank you to each and every one of you who provided responses, guidance and encouragement. As I got to court, the case was already dismissed.
    2 points
  2. You were right! OP got his case dismissed.
    1 point
  3. I just wanted to give an update, we ended up going through a free legal service here in Houston, they basically replied with a basic response to the court filing, as the court date came closer, Portfolio sent out settlement requests to try to "scare" us. The thing I have learned is Portfolio cannot actually prove you owe the debt, so what they do is file hundreds, sometimes thousands, of these court filings to see if anyone responds to the debt owed so they can try to win by default. So if they file a hundred of them and get 25 defaults, they will make their money. They ended up just dropp
    1 point
  4. I would send a BOP regardless of the exclusivity of the account stated cause of action. the objections you receive would make it easier to answer any discovery request they may send you to in the future. correct. a simple general denial will suffice. fill in your information, check one box, and done! i assume that this car loan would have a different account number (XXYY) than the alleged debt they are suing you for. you dont have to produce any of this documents because they are only suing you on an alleged Cap One account ending in XXXX right now it seems t
    1 point
  5. They are not "used to this", they are playing you. There is a big difference. They are banking on someone like your boyfriend who gets spooked and just throws money at them. You have to show them you are in control of this and are changing the game on them. The reason PRA is happy to let this keep going on and on with endless court dates is because they are just waiting for the one time you don't show up. That one court date where you get a flat tire on the way to court. And as soon as that happens, they will ask the judge for a default judgement and get it. So it benefits them to ke
    1 point