Very simple I am being sued by Portfolio Recovery Associates in Texas and I don't know what to do. 1. Who is the named plaintiff in the suit? Portfolio Recovery Associates LLC assignee of Wells Fargo bank 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Attorney in Texas (about 200+ miles from where I am located) 3. How much are you being sued for? Roughly $5,900 4. Who is the original creditor? (if not the Plaintiff) Wells Fargo Bank 5. How do you know you are being sued? (You were served, right?) Person came to door and handed me the citation (processor I guess) 6. How were you served? (Mail, In person, Notice on door) In person at my door 7. Was the service legal as required by your state? Do not know, woman just handed it to me and left 8. What was your correspondence (if any) with the people suing you before you think you were being sued? Never spoke with them....EVER. 9. What state and county do you live in? Texas, Bexar County 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) Through the credit card company, 2012 Collection agency, NEVER 11. What is the SOL on the debt? 4 years in Texas I believe 12. What is the status of your case? Suit served? Motions filed? You can find this by a) calling the court or looking it up online (many states have this information posted - when you find the online court site, search by case number or your name). I dont know. 13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No, for fear of resetting SOL 14. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request, don't bother doing this now - it's too late. No I did not speak or respond with them ever. 15. How long do you have to respond to the suit? (This should be in your paperwork). If you don't respond to the lawsuit notice you will lose automatically. In 99% of the cases, they will require you to answer the summons, and each point they are claiming. We need to know what the "charges" are. Please post what they are claiming. Did you receive an interrogatory (questionnaire) regarding the lawsuit? 14 days. I received no questionaire.