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  1. Yes, they served me and I have until this Saturday to submit and answer. I have been looking at various threads, 1 person recommended that I look into arbitration, but I am finding that very hard to understand without the help of a lawyer. I am planning to e-file my answer this week, but am currently researching how this should be written up. Any thoughts? The debt is under 4 years old, so using the defense of it being over 4 years is not really an option for me at this point.
  2. Hello, I sent a debt validation letter for a debt that is currently listed on my credit report. Portfolio Recovery Services replied with the following information: - Accnt detail page with my name , address, original creditor, current creditor, balance, accnt number, a couple of statements, and proof that they have right to collect. What are my options after receiving this information? I reside in Harris County, TX.
  3. Hello, I was served with papers on 6/15/19 and have 14 days to file an answer. I am located in Harris County. I have seen other posts about filing an answer, potential discovery, arbitration and would like to get some specific guidance. Additional Information 1. Who is the named plaintiff in the suit? - Portfolio Recovery Associates, LLC- Comenity Bank New York and Company 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Attorney Orjanel Lewis for PRA and it is filed in Harris County Justice Court 3. How