Need Advice..Please Help..Don't know what to do??

[Lysa]

I received in the mail early this month paperwork regarding a consumer credit collection complaint case being filed against me by collection agency Portfolio Recovery Associates, LLC and I have no idea what to do. Below is what I found when I looked the case up online. What should my next step be??

 

Viewed	Date	Action Text	Disposition	Image
	10/15/2019 7:00 AM DEPT. 33	CLERK'S TICKLER ON CONSUMER CREDIT COLLECTIONS CASE - CHECK FOR FILING OF DEFAULT JUDGMENT WITHIN 360 DAYS OF FILING COMPLAINT
	04/16/2019 7:00 AM DEPT. 33	CLERK'S TICKLER ON CONSUMER CREDIT COLLECTIONS CASE - CHECK FOR PROOF OF SERVICE FILED WITHIN 180 DAYS OF FILING COMPLAINT	VACATED
	12/07/2018	PROOF OF SUBSTITUTED SERVICE OF CONSUMER CREDIT COLLECTIONS CMPL (CRC 3.740) FILED 10/17/2018 OF PORTFOLIO RECOVERYASSOCIATES,LLC AS TO *** WITH DECLARATION OF DILIGENCE AND DECLARATION OF MAILING ON 12/04/18 FILED	Not Applicable
	11/21/2018	RETURN OF NON SERVICE FILED ON ***. FEE FOR NON SERVICE IS $59.50	Not Applicable
	10/17/2018	CASE ENTRY COMPLETED	Not Applicable
	10/17/2018	ORIGINAL SUMMONS ON CONSUMER CREDIT COLLECTIONS CMPL (CRC 3.740) FILED 10/17/2018 OF PORTFOLIO RECOVERYASSOCIATES,LLC FILED	Not Applicable	N/A
	10/17/2018	COLOR OF FILE: BLUE	Not Applicable
	10/17/2018	COMPLAINT FILED; SUMMONS IS ISSUED	Not Applicable
	10/17/2018	CASE HAS BEEN ASSIGNED TO DEPT. 33
	10/17/2018	PLACED ON CLERK'S TICKLER CALENDAR FOR 4/16/19, AT 7:00 IN DEPT. 33
	10/17/2018	PLACED ON CLERK'S TICKLER CALENDAR FOR 10/15/19, AT 7:00 IN DEPT. 33

[Harry Seaward]

On 12/07 they filled proof of substituted service, so the clock for the response deadline (usually 20-30 days) started ticking on that day. 

Who is the original creditor? Your absolute best shot is going to be arbitration, but it's not available with Capital One,  and may not be available with Citi if you were sued in "small claims court".

[Lysa]

The original creditor is Synchrony Bank/ Amazon. So should I respond before the time is up? Or should I try to set up a payment arrangement with the original creditor or collection agency?

[Lysa]

and what does the "VACATED" disposition mean? 

[Harry Seaward]

42 minutes ago, Lysa said:

The original creditor is Synchrony Bank/ Amazon.

Beautiful! Read the first couple posts from this thread. 

https://www.creditinfocenter.com/community/topic/329436-arbitration-overview-and-strategy-2018-most-up-to-date-info/

41 minutes ago, Lysa said:

and what does the "VACATED" disposition mean? 

It means that one event (the tickler to check for proof of service) has been cleared. I.e. they filled the proof of service so there's no need to check on this in April. 

[Lysa]

Got It! Thank you so much for the info!!! 

[Lysa]

One more question....should I also file a Case Management Statement?