Lysa

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

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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      

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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".

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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?

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and what does the "VACATED" disposition mean? 

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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. 

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