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  1. 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