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  1. Portfolio Recovery Associates in Dallas Texas, suing on debt from WebBank (Dell Preferred Account). Suit is in Johnson County Precinct 2, and attny is from Rausch Sturm. Amount is for $2,430 for debt less than 3 years old. I was served yesterday 9.17.19 at 8:00 pm Suing for breach of contract seeking damages for full amount I forget what all else I need to do. I will attach copies of the suit, and my documents for review. This will include a copy of the debt agreement. Here's my plan, based upon my reading and research on this site: 1. Initiate a JAMS claim, and notif
  2. I am being sued by Portfolio Recovery in California. I filed my answer today using the General Denial form checking that I denied all allegations in the complaint. I did not assert any affirmative defenses, leaving that part blank. Now I’m reading that I should have. Should I amend my answer to add the affirmative defense of lack of standing?
  3. Looking through the forums, it seems that PRA is on a roll this month. 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.) Portfolio Recovery Associates, LLC 3. How much are you being sued for? $6071 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?) Served 6. How were you served? (Mail, In person, Notice on door) In person 7. Was the service
  4. Hi all, I really wish I had come across this site sooner than my deadline (tomorrow) to respond to the interrogatories, production, and admissions because I would have been able to sift through more responses here. Would anyone be willing to review what I have answered (many from this site, thanks!) and help with some answers that I have left out? I lost some steam and ideas to respond with around #8. I've "beat" the rent a lawyer from this office once in small claims and had a case dismissed but this one is large enough to be in Civil Court and I don't want to shoot myself in
  5. I am in a mess and need help please. I am a single grandmother and I've had posession of my grandchild for over a year now. She is six, nonverbal and autistic. For the past few months I have been persuing custody of my grandchild due to her parents drug addiction. I don't have the money for a lawyer and CPS dumped everything in my lap to handle alone and told me to file for custody so without any help I am attacking this pro se. This is my grandbaby and I am doing what I have to do for her. That being said this is a horrible time to be sued, not that there is ever a good time. I was served on
  6. I was served last week by Portfolio Recovery/Synchrony, in Texas. I have completed my answer to file next week. I am going to submit my MTC as well. The link to my original post is at the end of this post. Thank you to everyone who will take time to read and respond. I am at the point of pulling my hair out. In the SAMPLE MTC, under #2 it claims I will have already sent a Notice of Arbitration Election to PRA/Lawyer before I file my MTC. I have found a NOTICE OF ARBITRATION ELECTION (provided below) For those who have used arbitration is this the steps you have taken? In most of the po
  7. Hi! Thank you for putting this site together. I have never been sued. I have looked through the posts on this site but I am still very confused on how to reply to the Summons Complaint. I would like to create a post that is clear and detailed on how to address this Summons in the hopes of assisting anyone else facing the same. Please help. I think I would like for the Plaintiff, Portfolio Recovery Associates, to drop the case. I am not sure how to proceed. If I can't get them to drop the case then settling for a smaller amount to pay them is my second hope. I am unemployed. I do have all the p
  8. Hello, I just found out from my mom that two different process servers have been to her house to serve me. I moved out about 3 months ago ( I have not done a change of address) so she tells them "No one by that name lives here". So I can only assume that may be the reason they do not leave the court papers at the door, and it may also be that she answers the door through the RING doorbell. I live in Little Rock, AR, so I was able to find the summons and complaints online. I found out that Midland and PRA are suing me for two credit cards I defaulted on when I was laid off my job. I
  9. Hi All, The details of my suit is as follows: 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.) Rausch, Sturm 3. How much are you being sued for? $3,XXX.XX 4. Who is the original creditor? Capital One 5. How do you know you are being sued? Papers served 6. How were you served? (Mail, in person, Notice on door) In person 7. Was the service legal as required by your state? Yes 8. What was your correspondence (if any) w
  10. Hello, I am new to this forum and so glad I have found. I have been reading through the board but havent been able to go about filing my arbitration. I was served papers back in April for a court date of 8/3/2018. I decided to call the company and settle. I wish I didn't after finding about this information later. I have made one payment to Portfolio recovery for this account from Synchrony bank. Am I still able to file arbitration? When i check the court records online it says a copy of the judgement was sent to both parties but I never received it. How do I go about this. I also ha
  11. 1. Who is the named plaintiff in the suit? Portfolio Recovery Assets, LLC (PRA) 2. What is the name of the law firm handling the suit? Portfolio Recovery Assets, LLC (PRA) Arika B Hover Michael N Chalhoub Jacqueline E Ligas 3. How much are you being sued for? 2,337.12 4. Who is the original creditor? (if not the Plaintiff) CitiBank N.A. 5. How do you know you are being sued? (You were served, right?) Served Papers 6. How were you served? (Mail, In person, Notice on door) In Perso
  12. Hello Folks, While viewing my free credit reports I see that one of the agencies shows Portfolio Recovery Assoc, LLC as in collections. I am in the midst of Warrant in Debt litigation (in Virginia) with PRA on an alleged Capital One credit account. Why do I not see Capital One listed in my credit report? Has PRA completely and/or LEGALLY taken the place of Capital One so that the original debt will no longer be reported with the reporting agencies. Is PRA in violation of the Fair Credit Reporting Act and/or the Fair Debt Collection Practices Act? Can I now submit that credit repor
  13. 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.) "Portfolio Recovery Associates," 3. How much are you being sued for? $2,771.86 4. Who is the original creditor? Synchrony Bank/Wal-Mart 5. How do you know you are being sued? I was served papers last night, 1-20-17 6. How were you served? (Mail, in person, Notice on door) In person 7. Was the service legal as required by your state? Yes 8. What was your correspondence (if any) with the peo
  14. Who is the named plaintiff in the suit? Portfolio Recovery Assoc, LLC 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Cameron White 3. How much are you being sued for? $1398.76 4. Who is the original creditor? (if not the Plaintiff) Synchrony Bank (Wal-Mart) 5. How do you know you are being sued? (You were served, right?) Served 5/11/16 6. How were you served? (Mail, In person, Notice on door) In person 7. Was the service legal as required
  15. Probably an easy answer I am over thinking.... have been reading posts for 7hours now and still not finding a response I am comfortable in using. PRA Summons States: #1 The plaintiff is registered and licensed to do business in New Jersey and the defendant is a resident of XXXXX County and whose social security number ends in xxx-xx-x/// is subject to this court's jurisdiction. HOW DO I RESPOND? As I see it they are combining multiple statements to somehow reel me in. I DO NOT KNOW if they are registered and licensed in New jersey since they did not provide the info to substant
  16. 1. Who is the named plaintiff in the suit? Portfolio Recovery Group LLC 2. What is the name of the law firm handling the suit? (should be listed at the top of the complaint.) Hyatt & Hyatt& Landau 3. How much are you being sued for? 1457 4. Who is the original creditor? (if not the Plaintiff) Webbank, Blustem Systems 5. How do you know you are being sued? (You were served, right?) Was served on May 20th 6. How were you served? (Mail, In person, Notice on door) in person at my home 7. Was the service legal as required by your s
  17. I have been served by Portfolio Lawsuit for collection of a credit card debt. I am looking for help in responding to the lawsuit in Brazoria County Texas. I just can't afford an attorney for the fees they are asking at this point in time. Any help would be appreciated. Thank you, Patrick
  18. @BV80 @debtzapper Howdy.... I am back albeit briefly. Since I posted here last I have found out that my dad has terminal cancer. We are trying to make up for lots of lost time...and still won't get enough. That is nothing the board can help with. What I do need help with...I have two accounts with PRA that hit and I wasn't able to focus and fight them...and lost. I have paid them in full about 45 days ago and they are still on my CR as open but showing a $0 balance. Shouldn't they change to paid or closed or something? Thanks in advance for your help/concerns
  19. Looking for some assistance on what to do. Back in April I filed my General denial not requesting arbitration, kind of forgot about everything and then got a letter in the mail saying I have court coming up on Monday the 7th of November. I have my member agreement showing I can use arbitration but what I want to know is if they don't back down how do I request for the private arbitration as stated in my card members agreement. Any help would be great. I would like to know how to write out the Motion to Compel Private Contractual Arbitration and what how to file it when I do go to court on
  20. Am new to this site, apology in advance if I am not initially following the "norm", am a quick learner. Have reviewed many threads for dealing with Portfolio Recovery with Forster garbus and garbus, regarding JDB tactics. Received complaint from Portfolio last month. Following many on this site, I responded to the complaint with denials as PRA has provided nothing to substantiate debt nor agreement with debtor. Court date is schedule in October 2016. This week received request for admissions as well as First Set of Interroggatories. Not surprisingly, many of the lines used are repea
  21. I'm looking for an example of a discovery request in a credit card debt suit filed by Portfolio Recovery in JP court in Texas. I have already filed a answer to the suit and am preparing for the hearing.
  22. We were served with a suit today by Portfolio Recovery Associates. Looking for help on a response. The particulars are stated below as I have seen others respond in this manner. We will have two weeks from Monday to respond and we are hoping to eradicate these buggers quickly. Our situation is different from most I have seen in that we had lots of contact with PRA and also RSEIH (the law firm) prior to the suit. Any and all help is greatly appreciated. Who is the named plaintiff in the suit? Portfolio Recovery Assoc, LLC 2. What is the name of the law firm handling the suit
  23. Hello All: Wondering if anyone can help - we are in Collin County, TX and are being sued by Portfolio Recovery - they have been trying to collect on a Sears account that was issued by Citicards. We found out about the lawsuit because we received quite a lot of solicitations in the mail from attorneys once PRA filed the suit. The suit is filed in a JP court. Today we got a notice on our door that someone tried to serve us with the suit. My question is - do we just call the number and accept the service or do we try to dodge it? I have spent a lot of time searching through the civil pu
  24. Hello, We switched to Vonage a couple years ago and since then, have gotten calls from Portfolio Recovery Associates almost daily. We've never once answered their calls, and only recently did I bother to look up what they were. I'm assuming they're trying to reach someone else - if it were me, I imagine I'd have seen mail, since we've lived at our address much longer than we've had the number. Given that they started calling immediately after we got the Vonage number, I'm inclined to ignore it and am thinking of just changing my VOIP number. I don't want to talk to them, for fear