What to Watch for When Portfolio Recovery Associates Forces You to Litigate

A viewer on my YouTube channel, @LauraLynnHammett, said he was getting sued by Portfolio Recovery Associates and didn’t know what to do yet.

Here is my reply:

Look at my blog www.court-corruption.com. There are many stories about the CFPB orders against Portfolio Recovery Associates and free downloadable documents.

The key is that they win by default 90% of the time. Show up to court. Respond timely to their complaint. If you are allowed discovery, ask them to produce old account level documentation from the time your account was at zero until the present balance. Inspect their affidavits to determine if the person who is swearing has actual first-hand knowledge about whatever they are testifying about. Ask for a copy of the original credit contract. They could not produce a contract in my case and Judge Lee P. Rudofsky gave them a pass, but I hope the US Supreme Court looks at my case and overrules Judge Rudofsky and the Eighth. I AM NOT AN ATTORNEY. THIS IS NOT LEGAL ADVICE. I am sharing my own experience, and I did score a 162 on the LSAT, a low ivy league score, so I am confident I understand what I read and have good reasoning.