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  1. Hello All! I'm looking for some advice for how to proceed with my current case. I've had amazing help over at but wanted to get feedback from here as well. Here's a rundown- PRA filed suit in December, I was served in Febraury for $578.36 from WFNNB Victoria's Secret. After reading advice from debtorboards, I filed a MTC. The PA filed a opposition, and I then filed a reply. Court was today! It was ROUGH!! The PA sent some young girl and she immediately as me if I wanted to make a payment plan- NO! She says "so you deny this debt is yours"? I sai