Sued by Portfolio Recovery Associates?


Portfolio Recovery Associates lawsuits are common in Pennsylvania. PRA is a debt buyer that files many types of collection lawsuits, including credit card lawsuits, personal loan lawsuits, and other consumer debt lawsuits. In our experience, 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, visit our debt defense page to learn how we can help you. We don’t charge fees unless we win, and we refund any advance fees if we lose. To get a free case review from our debt defense attorney, call us at 1-800-997-5561 or fill out our free case review form.

Let us answer your debt defense questions:

Portfolio Recovery is suing me, who are they?

"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 buys 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 it buys debt for deep discounts, Portfolio tries to collect the debt for profit. 

In Pennsylvania, Portfolio Recovery Associates sues tens of 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.

How do debt defense attorneys win Portfolio Recovery lawsuits?

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

That said, we generally win Portfolio Recovery lawsuits because: 1) PRA hires “appearance attorneys” to attend court hearings; and 2) PRA doesn’t have the documents required by Pennsylvania law. Appearance lawyers and deficient documents are not enough to win: 

  • Appearance Attorneys: an "appearance attorney" is a lawyer hired to appear for a debt buyer in court. These attorneys can't testify, don't have any knowledge about your case, and know nothing about the documents debt buyers give them to present in court.
  • Deficient Documentation: Pennsylvania law requires debt buyers to produce credit contracts, full account statements, and assignments. They usually don't have all of this documentation. And, even if they do, their appearance attorneys don't have any knowledge about the documents.

For detailed information on how we win specific cases, read these posts on our website: How to Win Magistrate LawsuitsHow to Win Common Pleas LawsuitsHow to Win Credit Card Lawsuits; or What is a Debt Buyer.

How likely is it that a debt defense attorney can win a Portfolio Recovery lawsuit?

Your chances of winning a Portfolio Recovery Associates lawsuit depend on many things, including the following: 

  • Whether your case is filed in the magistrate or common pleas court.
  • Which magistrate or common pleas judge is overseeing your case.
  • The type of debt at issue (credit card, personal loan, auto loan, etc).
  • The lawyer/law firm that filed your case (Weltman Weinberg & Reis, Scott & Associates, Ratchford Law Group, or in-house attorneys).
  • The age of the debt and the amount of the debt at issue.
  • The identity of the original creditor.

Our debt defense attorney, like most competent lawyers, has a high success rate for consumers getting sued by Portfolio Recovery in Pennsylvania. Complete our contact form, or call 1-800-997-5561 for a free case review.

Should I ignore a Portfolio Recovery Associates lawsuit?

You probably shouldn’t ignore the fact that you’re getting sued by Portfolio Recovery Associates. 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 past the statute of limitations. 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 having to show up. Then, you’ll owe a debt you shouldn’t owe.

Do I have any rights when Portfolio Recovery is suing me?

The Fair Debt Collection Practices Act (FDCPA), the Fair Credit Reporting Act (FCRA), the Telephone Consumer Protection Act (TCPA), and many other laws regulate how Portfolio Recovery Associates interacts with consumers. If PRA violates any of these laws, then you likely have claims or counter-claims you can assert against PRA.

To see how we can help with debt collection harassment or credit reporting violations, visit our pages on debt harassment and credit reporting. For detailed information on how to deal with debt collectors, read these posts on our website: How to Deal With Debt CollectorsHow to Deal with Debt Collection RobocallsHow to Deal with Debt Collection Letters.

Hire us to help!

If you’re getting sued or harassed by Portfolio Recovery Associates, please contact us for help. To get a free case review from our debt defense attorney, you can call us at 1-800-997-5561 or fill our our free case review form.

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Sued For Old Debt?

If you’re getting sued on a debt that’s over four years old you likely can win the case and get damages.


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