Sued by Portfolio Recovery Associates?

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Portfolio Recovery Associates lawsuits are common in Pennsylvania. PRA is a debt buyer that files many types of collection lawsuits, including credit card lawsuitspersonal loan lawsuits, and other debt lawsuits. Portfolio usually can’t prove the cases it files. That means consumers have a high chance of winning a Portfolio Recovery lawsuit.

If you’re getting sued by Portfolio Recovery Associates, call us for help. We charge flat fees and refund our fee if we lose. To get a free case review from our debt defense attorney, call us or complete out our free case review form.

Let us answer your debt defense questions:

Why is Portfolio Recovery Associates suing me?

"Portfolio Recovery files so many lawsuits for one reason: it wants to profit off bad debts."

When consumer debt becomes severely delinquent, creditors often charge-off the account. Sometimes, they try to collect the account themselves. Other times, they sell the account to a third-party “debt buyer.”

Portfolio Recovery Associates is one of the “debt buyers” that purchases delinquent consumer accounts. Debt buyers like PRA usually purchase old debt at steep discounts. The Federal Trade Commission (FTC) stated debt buyers paid 4 cents on the dollar for old debt and the Consumer Financial Protection (CFPB) stated one debt buyer paid 3 cents on the dollar for old debt. After PRA buys debt at deep discounts, it attempts to collect the debt for profit. 

In Pennsylvania, Portfolio Recovery Associates sues thousands of consumers each year. Throughout the whole United States, debt buyers like PRA likely file hundreds of thousands of lawsuits each year. Portfolio Recovery files so many lawsuits for one reason: it wants to profit off bad debts.

Can I win if I get sued by Portfolio Recovery Associates?

We generally win Portfolio Recovery Associates lawsuits because: 1) PRA hires “appearance attorneys” to attend court hearings; 2) PRA doesn’t have the documents required by Pennsylvania law; and/or 3) PRA doesn’t have witnesses with knowledge of the case.

Appearance lawyers, deficient documents, and witnesses without knowledge are not enough for PRA to win against you: 

The specific strategy we use to win Portfolio Recovery Associates lawsuits differs depending on whether your case is filed in a magistrate or common pleas court. Our strategy also may change depending on whether you’re dealing with a credit card lawsuitpersonal loan lawsuitauto loan lawsuit, or some other type of collection lawsuit.

To understand how we evaluate cases, visit our debt defense attorney page. Call us or complete our contact form for a free case review.

What is the likelihood of winning a PRA lawsuit?

Generally, it’s highly likely you’ll win a Portfolio Recovery Associates lawsuit. In fact, we’ve won all of the PRA lawsuits we’ve defended. 

To gauge your chance of success in a particular case, we evaluate numerous factors including:

If you’re getting sued by Portfolio Recovery Associates, call us or complete our contact form for a free case review.

Can I ignore a Portfolio Recovery lawsuit?

You probably shouldn’t ignore a Portfolio Recovery Associates lawsuit. If you do, a default judgment likely will be entered against you. A “default judgment” is a court order stating that you owe the debt PRA claims you owe. After such a judgment is entered against you, debt collectors can seize property and garnish bank accounts.

Some people ignore collection lawsuits because they think they don’t owe the debt or already paid it, or because they think the debt is too old. Don’t do this. Court’s won’t analyze a lawsuit to make sure it’s not defective. If you ignore a Portfolio Recovery lawsuit, they’ll win without even showing up. Then, you’ll owe a debt you shouldn’t owe.

Can you help if Portfolio Recovery is suing me?

Yes. We’ve won every Portfolio Recovery Associates lawsuit we’ve defended. That means our clients haven’t paid any money to PRA.

In addition to winning your case, here’s other services we provide when you hire us to defend you:

These services are provided at no extra charge. 

To see how we can help you or what we can do for you, call us today or complete our contact form for a free case evaluation.

Hire us to help!

If you’re getting sued by Portfolio Recovery Associates, please contact us for help. To get a free case review from our debt defense attorney, give us a call or complete our our free case review form.

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