My most recent settlement proposal to Portfolio Recovery Associates, LLC is posted below.

I would like to discuss any unethical litigation practices PRA’s team of attorneys used against you in response to your complaint of violations of the Federal Debt Collection Practices Act, AKA FDCPA, and Regulation F.

The Debt Buyers excuse for lying in court seems to be that litigation where the debt collector is defendant is not subject to the same rules of honest conduct and fair dealing as in litigation where Portfolio Recovery Associates, LLC is suing you.

Leave a comment or email your opinion to me. Thank you.

February 15, 2023

Dear Counsel,

I am bringing my settlement offer back to $1,000,000.

First, there was a recent award of damages based on abusive litigation practices similar to yours and your client’s. https://www.youtube.com/watch?v=hfboMCsDcno

Second, I have researched Hashimoto’s Disease. I have a wonderful team of health care professionals, and as with law, I am allowed to take an active roll in my healthcare.

I have not retested a thyroid panel for several months, but I am confident my numbers are returning toward an acceptable range.

My digestion is improving. My energy level is improving. My ability to concentrate is improving. My mood is improving. My new mantra is “work, don’t worry.” It is easier to do my legal work now that I can sit up for extended periods and my immune and autoimmune systems are not so out of whack.

After the stay is lifted and any appeal that may be required, I will move the court to allow me to introduce expert testimony about Hashimoto’s and the impact of stressful litigation on it. PRA already agreed that it changed my alleged balance to zero only after I filed a lawsuit. It is clear that the gaslighting was not going to stop otherwise. PRA even realleged a debt and invented completely unsubstantiated gambling losses for me during litigation.

I have not gone to the CFPB yet because they say a person can only file one complaint. I believe that when the CFPB investigates, they will agree with my contention and uncover evidence that PRA lied about not calling me in the months leading up to November 14, 2020. They will see that, as they suspected, PRA did not follow the 2015 consent order. And they will agree that PRA’s conduct within litigation as a defendant is also in violation of the FDCPA and regulation F.

Sincerely,

Laura Hammett