Hi everyone. New here, but this seems like a good place from reading all the helpful responses from previous post and trying to gather information. I will include as much information as I have, plus a rough draft of my Answer. Which I read a lot on here and tried to see what was suited for my case. Not sure if it is right/wrong. Would love some opinions on corrections or any help that can be provided. LAWSUIT INFO 1. Who is suing you? PORTFOLIO RECOVERY ASSOCIATES LLC c/o Blatt, Hasenmiller, Leibsker & Moore, LLC 2. For how much? $1148.08 3. Who is the original creditor? GE MONEY BANK/WALMART 4. How do you know you are being sued? Served summons 5. How were you served? Were you served? Left on door by Sheriff 6. What was your correspondence (if any) with the people suing you before you think you were being sued? None 7. Where do you live? Pennsylvania 8. When is the last time you paid on this account? 10/28/2010 9. What is the status of your case (if anything has been opened)? You can find this by a) calling the court or looking it up online (many states have this information posted daily). Summons issued, summons filed. Hearing date is set. 10. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No 11. Did you request debt validation before the suit was filed? No 12. Does your summons require a response in writing? Yes 13. Does your summons require a response in writing? We need to know what the "charges" are. Please post what they are claiming. Did you receive an interrogatory (questionnaire) regarding the lawsuit? Plaintiff PORTFOLIO RECOVERY ASSOCIATES LLC, claims as follows: 1. The Defendant(s), My NAME, is a resident of Allegheny County, Pennsylvan ia. 2. The Defendant(s) obtained extensions of credit with GE MONEY BANK, (Original Credit Grantor) agreeing to make monthly payments as required by the terms of the account, for purchases charged to the account. 3. The Oefendant(s) did make purchases and charged same to the account but failed to make the monthly payments called for on the account. There is a balance due and owing of $1148.08. 4. Plaintiff is the successor in interest of said account having purchased the account in the regular course of business in good faith and value. 5. Plaintiff declared Defendant(s) to be in default and demands payment of the balance. 13. What evidence did they send with the summons? An affadavit? A statement from the OC? Anything else they attached as exhibits?