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  1. So the Plaintiff is objecting to my Demand of BOP, and "respectfully requests" the defendant withdraws the demand... (document attached) I'm not entirely sure where to go from here. Any thoughts @sadinca @RyanEX or anyone on this board that has experience with PRA? any help is truly appreciated. Thank you in advance plaintiff objection.pdf
  2. Great !! I just filled out the BOP and am going to download the proof of Service.
  3. Thank you! On Line 2 in the GD, based on my attached documents are there any immediate or commonly used affirmative defenses that I should list?
  4. Im a newbie here so thank you for all the detailed posts I've read through so far. I believe I only have a few more days to answer the complaint so I really hope you experts or folks that have gone through this can help me. 1. Who is the named plaintiff in the suit? Portfolio Recovery Associates, LLC 2. What is the name of the law firm handling the suit? Portfolio Recovery Associates, LLC 3. How much are you being sued for? $1670 4. Who is the original creditor? (if not the Plaintiff) Capital One 5. How do you know you are being sued? (You were served, right?) I was served 6. How were you served? (Mail, In person, Notice on door) In person at home 7. Was the service legal as required by your state? Process Service Requirements by State - Summons Complaint Yes, I believe so 8. What was your correspondence (if any) with the people suing you before you think you were being sued? None 9. What state and county do you live in? California 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) They claim I made a payment in November 2014, however I believe I was default before that timeframe. 11. What is the SOL on the debt? To find out: 4 years 12. What is the status of your case? Suit served? Yes Motions filed? Not that I know of, I searched online and the Case number does not come up on the court website, I searched by name and date and still nothing in the system yet. 13. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) I may have in the past but couldn’t find any record of disputes, they don’t appear on my credit report. 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 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? I am attaching the documents they sent., I did not receive a questionnaire. 16. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. They attached 2 Capital One bills as exhibits. 1. I'd like to request a Bill of Particulars, this seems to be something that may help my case. Any tips with the BOP would be very helpful 2. I'd like to file a General denial w/ POS but need to know what should go in the General Denial based on the attached documents. they state the last date of payment was Nov 2014, however I think I was late way before then. Any help is appreciated greatly appreciated since I am really pressed for time as I am sure most of you are. Thank you for taking the time to read my post. Summons_Redacted.pdf