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1. Who is the named plaintiff in the suit? Portfolio Recovery Associates, LLC 2. What is the name of the law firm? Rausch Sturm – Sarah Catherine Daley (Main Attorney) 3. How much are you being sued for? $1287.00 plus court costs 4. Who is the original creditor? Synchrony Bank 5. How do you know you are being sued? I have being receiving advertisements from attorneys stating I am being sued. I looked it up online to find out the information. 6. How were you served? I have not yet been served; the address they have is for a Private Mailbox company that I have been utilizing while overseas. 7. Was the service legal as required by your state? n/a; not sure as I am a Georgia resident and this is in the Clay County Courts 8. What was your correspondence (if any) with the people suing you before you think you were being sued? I received some mail every now and then but I never answered it. 9. What state and county do you live in? Just returned from living overseas. Currently staying with family in Maryland due to the pandemic. But I am a Georgia resident with a Private Mailbox (PMB), the company is based in Green Cove Springs, FL but I do not live there, yet it appears they served the mail company since they are attempting to sue in Clay County. 10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) It does not say on the paper and I’m not sure. 11. When did you open the account (looking to establish what card agreement may be applicable) I am not entirely sure. 12. What is the SOL on the debt? 4-6 years I think. 13. What is the status of your case? It appears it is a summons for a pre-trial conference and it does not provide any details that an answer is allowed. Again, I have not yet been officially served so I am waiting to see if it will be served to the private mailbox company. The summons was issued on 4/8/2020 but it has not been attempted as of yet. 14. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) I might have years ago but do not recall. 15. Did you request debt validation before the suit was filed? No. 16. How long do you have to respond to the suit? A date for pre-trial conference has been set for June 9, 2020. 17. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. I will provide updates if the company notifies that they have been served for me. To reiterate, I am not a Clay County or Florida resident and they are attempting to sue me through them on the basis of a PMB I use that is based in Green Cove Springs, FL. I am shocked they are still allowing debt collectors to pursue debts during the current crisis. All advice is greatly appreciated.

A server left court documents with my mom last week that are fro Midland Credit for a lawsuit against me.. I have attached the paperwork that the server left, and I am in the process of filing my answer. Can someone take a look at the documents and assist me. Any help is greatly appreciated. I had a Best Buy/Citi Bank credit card and it was sold to Midland. The amount they are suing for is $4470.39. Midland included a few statement pages from Citi Bank I believe right before Midland purchased the debt. *update- I have filed my answer with the court.

I am being sued by Portfolio Recovery Associates for 1,893.00 for a Dell Account. This account was created according their complaint. I do not have a copy of the credit card agreement and they do not have a copy of the credit card agreement which they admitted in Discovery. I do not have a lawyer and feel like I am getting in over my head. They filed a complaint, I responded. I filed for discovery and they responded. They sent me discovery and I responded. I filed with the court that I am requesting arbitration but have not filed with JAMS yet which is making me panic because I filed my request about a week and a half ago. I need help filling out the dispute part on the JAMS arbitration form. Does it have to be a detailed report or just a few reasons why I dispute the debt? PRA admitted that they do not have a contract but they do have statements of the account starting with a zero balance, assignments from Dell to PRA and 3 affidavits. It looks as though from the statements that there was only one payment on the account. This account would have been created by phone if I rememeber correctly. I cannot find any emails pertaining to this debt or statements or final demand letter. I even went through my phone records and couldnt even find where they had tried to contact me. On top of this they filed for MTS and I have to respond by Monday. In my dispute to JAMS can I even put that no one has a contract? Can I contest their affadavits?

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