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Hello, I've been back and forth on this forum reading threads from BerryGin and I believe Hockeyguy (I know that's not totally correct) regarding their lawsuit with Portfolio Recoveries. I had a credit card with World Financial Network Bank/Comenity Bank/ New York & Company which was charged off but then purchased by PRA. I was served late Saturday night on May 13th. I haven't submitted my letters to the magistrate court as of yet because I am unsure of what to write and the proper format. I intend on fighting this lawsuit regarding these charges but wanted some insight as I haven't seen any post related to Cobb County. I also had a question regarding their "validation of the debt". Prior to being served I was working with a group called Lexington Law to clean up my credit and help me remove items from my credit report. Lexington Law reached out to PRA asking them to validate the "debt" I had with them. I've attached what was sent back as well as what was including in the packet when I was served. Will the information from Lexington Law benefit me with this lawsuit? Please Help! Thank you, South Carolina Girl EXHIBIT B from packet.pdf PRA Letter.pdf
I just want to address a few things that came up in the thread you can find here: http://www.creditinfocenter.com/community/topic/323173-heads-up-fair-warning/#entry1286889 I am an experienced Florida-licensed attorney and have been since 1988. Since 2007 when the pace of business formation slowed to a trickle (and it has never recovered) I have branched out into other areas of practice, including estate planning, business litigation, foreclosure defense, FDCPA matters, and personal injury (bringing me full circle to where I started). I'm not immune to any of the winds that are buffeting others. Here is an example of what I've been able to do recently, taken from a comment I made on Zeroedge.com: http://www.zerohedge.com/news/2014-02-26/housing-recovery-myth-new-york-and-new-jersey-ends-bang-foreclosures-surge#comment-4481460 As for a 2003 posting with respect to HIPAA, the situation I described may or may not still be valid in 2014. I haven't checked. And as for WhyChat, she and I have had our disagrements, most notably over a method I successully used when I believed I was being overcharged for a helicopter ambulance that transported my toddler son. Since that discussion was on another board, I won't try to link it here. I can be found here: https://www.facebook.com/MarkHankinsLaw and here: http://www.avvo.com/attorneys/34637-fl-mark-hankins-1274066.html And my book (which is not "self-published" ... it is published through Bookshaker, which is better described as a "lean" publishing house, one that does not deal with agents and publicity and what-have-you) may be found here: http://www.amazon.com/Debt-Hope-dirty-survival-strategies/dp/1907498524 I regard myself as very pro-consumer and anti-bank, and if I have put out any misinformation it was entirely inadvertant. A couple of years back I was surprised to find this review of my book: http://www.amazon.com/review/RLC7EGEVTVR91/ref=cm_cr_dp_title?ie=UTF8&ASIN=1907498524&nodeID=283155&store=books Folks can make of me what they will. I am not, however, what Clydesmom describes ... an agent provocateur.