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  1. If you have been contacted - even called - or sued by a debt purchaser in Tennessee, contact the TN AG's Office - Consumer Affairs Division. Most have no license to collect and therefore, you should file a complaint with the Tennessee Collections Services Board. Even if they do have a license and if they did sue you, their Civil Warrants in Debt don't nearly comply with the law. Report them.
  2. Hello Everyone! I have a trial with Portfolio Recovery Associates coming up next week and would appreciate some input on what to expect. So far here is what has happened. 1 Attended first court date. Most of the same things that I have been reading happened. Attorney shows up with around 30 cases with around 20+ default judgments. A couple showed up with attorneys and I have no idea what happened. A few others, including me, were asked to talk outside with the JDB attorney. They came back before the judge and plaintiff received the judgement/settlement. I was the only one that objected. The ju
  3. OK it is time to send in the clowns, Portfolio did what I figured even they would not be so stupid to do. They have sued me for a second time over the same alleged debt without having ever even pursuing the prior suit (which is still on file) after I anwsered it and sent them off discovery. To be clear, they have two active suits against me over the same alleged debt. Actually to be serious I recall asking on here a few months back about whether or not this would be a violation of the law to do this and I seem to remember being told it was so I would appreciate any insight into whether or not
  4. In August, 2012 I requested discovery, interrogatories, admissions from Portfolio Recovery they have not responded. A few days ago I received, by regular mail, no signature required, a REQUEST FOR ARBITRATION from Portfolio that was filed at the Court of Common Pleas, Fayette County, Pennsylvania. It is stamped November 30, 2012 from the county's prothonotary's office. The document states : Kindly refer this matter to the board of arbitators for a hearing. The amount in controversy is $3272.25 or less and the case is at issue for arbitration. The case is to be tried by and noties sent to
  5. Portfolio Recovery Associates is suing me for a credit card debt. I received by UPS the Plaintiff's first request for admissions, interrogatories, and request for production of documents. Why are they requesting documents that they should already have. I live in Pennsylvania didn't understand the civil procedures law. I can't afford an attorney and can not get help through the legal aid society as I don't qualify. Request 1: Produce any and all documents evidencing proof of all payments on the subject credit card reference in the complaint, including but not limited to cancelled checks, r
  6. Hello! I'm a newbie here and grateful of finding this forum. I'm copying and pasting from another post similar to my case and changing the items specific to my case: 1. Who is the named plaintiff in the suit? PORTFOLIO RECOVERY ASSOCIATES 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) HUNT & HENRIQUES, Attorneys at Law 3. How much are you being sued for? $6,000 4. Who is the original creditor? (if not the Plaintiff) US BANK 5. How do you know you are being sued? (You were served, right?) Yes, served. 6. How were you serv
  7. Hi all, I have a credit card which was issued from GE Capital. It's a private label type card say something like a carpet store would issue. Anyway, I received a letter from Portfolio Recovery Assoc PO Box 12903 Norfolk, VA and the letter reads at the top in BOLD: Notification of Intention to Incur Court Cost by Filing Suit. Is the a violation? I hope it is, I really do. And what should be my next step? DV?
  8. I'm in Utah and have been sued by Portfolio Recovery Associates, LLC and the Attorney for them is Mark Johnson,LLC. They are very aggressive. I sent a letter to validate the debt and they sent me a letter back that had my name, address, last four SSN, and an amount as a validation and then went ahead to sue me. I answered the complaint and have a counterclaim w/ them for $1000 FDCPA violations. They answered with an Opposition of Motion to Dismiss--I answered that with a reply to that Motion. They sent me Interrogatories and Discovery. I sent them a Sworn Denial, and my set of First Discovery
  9. I at one time on my CR's had two tradelines reporting the same account number. One was a HSBC credit card and the other was Portfolio Recovery CA. Both had the same account number but different dates. Portfolio was also reporting the account under a factoring company. I tried to dispute with the CR that they were reporting on the same account number and the they were reporting it as a factoring company which I read is a way to make the account look new even if it is not. After the CA Portfolio as verified I decided to take a chance and report them to BBB. I received a letter from Portfol
  10. I have tried to take in as much information as I can from the other posts on this site, but I might have missed a few references. From my research I believe this is small claims since it is less than 6500 (the mark for CO) Although I am not certain which debt this is regarding (planning on general denial with general defenses while reserving the right to add more later. The funancing program is unique, which for some reason opens up a cc account in lieu of a vehicle loan for motorcycles. The motorcycle was voluntarily repossessed with 'verbal' agreement that the vehicle would likely cover al
  11. I have a default judgement against me won by Midland in 2011, and I am preparing to vacate it for a long time now. I felt that I was not ready yet for a court battle, and thank god that it took me that long, because I just found out about "Portfolio Recovery Associates, LLC vs King", that might help me shrink this debt's SOL from New York's 6 years to Delaware's 3 years. Using Delaware SOL, my debt SOL runs out this months. Now, when I vacate the default judgement based on a sewer service, should I include that in my answer right away, or try to spring it on Midland later on and move to dis
  12. I am working on a case with Portfolio Recovery Assoc, represented by Johnson Mark LLC. I have submitted an answer that denied all of their complaint, received a request for docs and admissions, to which I replied that I objected to their request for admitting that I had a contract with the OC based on the fact they have not supplied the contract, and also objected to their request for documentation asking for the last 6 years of banking info as it was overly broad and burdensome. They replied with a letter stating that the objection to the rfa was not correct as it did not have to do with th
  13. THANK YOU!! My girl friend is being sued by PRA (Portfolio Recovery Associates), Now. At Christmas season. Debt Collectors are evil people.(Just my opinion). I'm new to the civil world, I have done California Criminal and Traffic cases, In Pro Per. For myself and others. Thanks to this web site and others, I have drafted so far. 1. ANSWER TO COMPLAINT 2. MOTION TO PROCEED IN FORMA PAUPERIS 3. AFFIDAVIT OF POVERTY 4. DEMAND FOR BILL OF PARTICULARS PROPOUNDED BY DEFENDANT________TO PLAINTIFF PORTFOLIO RECOVERY ASSOCIATES, LLC I plan to send a "Debt Collection Dispute Letter", Monday 12/03/12.
  14. Hi everyone, I am new here. I have been reading up on many of the topics but haven't had time to post until now--and any help that can be found will certainly be appreciated. I currently have two active lawsuits filed against me with a soon to be third (MCM). As of now I have one suit filed against me by Portfolio Recovery Associates and another by J.P. Morgan Chase Bank/Chase Home Finance, LLC.; in both of these I am fighting this as a pro se litigant due to the fact that I am unemployed and have been for almost five years now. The case with PRA seems to be moving along okay but I may still
  15. I am brand new with this and just don't know what to do. I am really freaked out about all of this. I was just served yesterday from Portfolio Recovery. I owe the money and would like to settle, but I don't know what my first step even is to accomplish this. I've received advertising solicitations from 3 different lawyers, but do I really need a lawyer?
  16. I request for documents from them , they answer my request use " Objection, Plaintiff objects to the interrogatory in that it is vague, ambiguous and overly broad.Plaintiff further objects to this Interrogatory because it would cause unreasonable annoyance, oppression, burden and expense and seeks information not relevant to this suit. Without waiving said objection, by way of further response, In Stucka, The Pennsylvania Superior Court concluded the the lower court had orred in requiring the Plaintiff, that extended credit to Defendant through a credit card , to provide a copy of a signed cre
  17. I just received this from the Norfolk BBB. I guess calling them out on shady tactics like backdated letters and frivilous payment dates & amounts worked. On November 12, 2012, the business provided the following information: Thank you for bringing this matter to the attention of our office. Portfolio Recovery Associates has investigated the consumer's dispute, closed the account ending in **** and requested that the credit reporting agencies delete our trade line for the account from their consumer reports. Brian Pearson Disputes Counsel Office of the General Counsel Portfolio Recovery As
  18. 1. Who is the named plaintiff in the suit? Portfolio Recovery Associates 2. What is the name of the law firm handling the suit? Rausch, Sturm, Israel, Enerson & Hornik 3. How much are you being sued for? $2782 4. Who is the original creditor? Capitol One 5. How do you know you are being sued? Served summons at home 6. How were you served? In person 7. Was the service legal as required by your state? Yes 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? NV, Clark 10. When is the last time yo
  19. Hello Everyone, I have recently received a summons and feel stuck as to what steps I should take. After reading a couple of the threads regarding this JDB I dont know if its best to settle or fight. Also, this is a summons for the state of NM where I havent been a resident for the past 2 years. I am a current resident in FL. The summons reads.... Portfolio Recovery Associates, LLC, Plaintiff Vs. xyz Defendant COMPLAINT ON AN OPEN ACCOUNT/BREACH OF CONTRACT portfolio recovery Associates, LLC ("Plaintiff"), as the purchaser and assignee of the obligation under suit, and any other assignee tha
  20. How prepared am I? And what other steps should I take? First off thank all of you that are contributing to this website, I've been reading a lot and learned a lot so far. I understand that I could throw this in another thread but didn't want to hijack someone else's thread and was hoping for a little help in my own personal case. As of right now I've sent my answer and BOP. They sent back about a years worth of statements and a meet and confer letter 2 days after receiving the statements. Based upon info I read from calawyer their response is "insufficient". They also gave me the same garbage
  21. As the title says, they served me at my home, but not directly to me, my niece who lives with us, instead. 1. Who is the named plaintiff in the suit? Portfolio Recovery Associates, LLC 120 Corporate Blvd. Norfolk, VA 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) It appears to be four staff attorneys, not a law firm. Looked them all up and they show they work directly for PRA 3. How much are you being sued for? $5000+ 4. Who is the original creditor? (if not the Plaintiff) Chase Bank N.A./Heritage Bank One 5. How do you know you are bei
  22. I have an account SOL and my wife has one within the SOL with Portfolio Recovery Assoc.. If I send Portfolio Recovery a C&D, can they still claim to be calling my wife at our work number? We both work at the same place. thanks
  23. Help! I am being sued by Portfolio Recovery Associates in CA. They bought my debt from HSBC bank. They served me with papers in January of this year. I filed an answer at the Superior Court office on form PLD-C-010. In my answer I stated that I never received any document stating that Portfolio Recovery associates were going to sue me (because one of their defenses on the summons was that they sent me multiple papers warning me that if I do not respond that they were going to take legal action.) I also said that I never was in a contract with Portfolio Recovery services, I don't know who the
  24. My goal is for Plaintiff (Junk Debt Buyer) to show a document that I owe them. What is the best approach to get this accomplished during trial? Facts: -Portfolio Recovery Associates, LLC, Counsel Hunt & Henriques. -Served Demand for Bill of Particulars, specifically asked among other things string of assignments---to prove they own the debt. Received only Credit card statements with account not matching that of their collection letters. No Account number was specified in the Complaint. - Also served the Answer with Affirmative Defenses. I was thinking the Bill of Particulars is too gene