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Received summons from Portfolio Recovery Services in texas please help 4 days to respond

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Hi there,


I received a summons taped to my door yesterday.  I tried to pay off this account in march of 2017, but was unable to figure out who to pay after calling Walmart since it had been charged off .  I have to file a response by the 14th of this month, but have no clue how to do this or what to say.  I'm willing to pay it off, but have read that this isn't advisable after summons.  Any help would be extremely appreciated!!




1. Who is the named plaintiff in the suit? Portfolio Recovery Associates LLC

2. What is the name of the law firm handling the suit? Megan Hale

3. How much are you being sued for? $569.58

4. Who is the original creditor? (if not the Plaintiff) Synchrony Bank

5. How do you know you are being sued? Summons taped to front door

6. How were you served? see above

7. Was the service legal as required by your state? I believe so??

8. What was your correspondence (if any) with the people suing you before you think you were being sued? None

9. What state and county do you live in? Texas, bexar County

10. When is the last time you paid on this account? (looking to establish if you are outside of the statute of limitations) march 2017

11. When did you open the account (looking to establish what card agreement may be applicable)? december 2015

12. What is the SOL on the debt? not sure

13. What is the status of your case? Suit served? Motions filed? not sure

14. Have you disputed the debt with the credit bureaus (both the original creditor and the collection agency?) No

15. Did you request debt validation before the suit was filed? Note: if you haven't sent a debt validation request before being sued, it likely won't help create FDCPA violations, but disputing after being sued could be useful to show the court that you dispute the debt ('account stated' vs. 'breach of contract'). No

16. How long do you have to respond to the suit? 4 days. documents were taped to my door yesterday and says i have to respond by the 14th of month served

17. What evidence did they send with the summons? An affidavit? Statements from the OC? Contract? List anything else they attached as exhibits. Nothing at all

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