Thanks for responding nobk4me! Below are the answer to the questions.
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? (should be listed at the top of the complaint.)
Attorneys representing for Portfolio Recovery Associates, LLC
Gregory J. Babcock
3. How much are you being sued for?
A little bit over 10g
4. Who is the original creditor? (if not the Plaintiff)
Orig. creditor is Capital One
5. How do you know you are being sued? (You were served, right?)
It was served to an adult at my house
6. How were you served? (Mail, In person, Notice on door)
7. Was the service legal as required by your state?
Process Service Requirements by State - Summons Complaint
8. What was your correspondence (if any) with the people suing you before you think you were being sued?
No communication at all with PRA prior and till being sued with the complaint.
9. What state and county do you live in?
PA, Lebanon County
10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations)
I cannot fully remember but i know for sure it is withing the statute of limitation.
11. When did you open the account (looking to establish what card agreement may be applicable)?
12. What is the SOL on the debt? To find out:
6 years for PA
Statute of Limitations on Debts
13. 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 tried looking up my case online but could not find it. As of now. I called the court clerk and they said complaint is file. I responded with the answers to the complaint and also send certified copies to PRA attorney. I'm not sure if i should follow up with a discovery to produce documents or not. Not sure what the rules are in PA. Do I need a Judge to grant permission first or can i file anytime?
14. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?)
No I have not. Account was charged off by original creditor and transfer or bought by PRA
15. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request before being sued, it likely won't help create FDCPA violations, but disputing after being sued could be useful to show the court that you dispute the debt ('account stated' vs. 'breach of contract').
No I have not
16. 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?
20 days to respond. Answers was sent within the time frame.
Here is an example of what the summons/complaint may look like: Sued by a Debt Collector - Learn How to Fight Debt Lawsuits
17. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits.
Bill of Sale, 1 page of account statement with balance owed, terms of contract/agreement (No signature or original contract, Verification Form (Custodian of Records for Portfolio Recovery) Ricky L. Vaughan
18. How did you find out about this site?
google search on lawsuit
18. Read these two links:
Using Arbitration To Defend A Debt Collection Lawsuit
Sued by a Debt Collector - Learn How to Fight Debt Lawsuits