Portfolio Recovery Associates and Other Big Business Billionaires Often Destroy Documents

In my case against Portfolio Recovery Associates, LLC, a wholly owned subsidiary of PRA Group, Inc. (stock symbol PRAA), Judge Lee P. Rudofsky, the Eighth Circuit and the United States Supreme Court allowed PRA to designate anything and everything it wanted to as “CONFIDENTIAL” and file under seal.

I cannot say what was in the allegedly top secret documents. But I can tell you what was not in them.

There was no evidence of purchases made by me on a credit card. There was no documentation that linked the specific account with a purchase agreement. There was no credit card agreement. There was no third party documentation of the phone calls made by the debt collector to numbers it associated with me. There was nothing that indicated that I agreed I owed the alleged debt.

Worse, there were not consistent records kept by PRA. The data presented was not consistent between any of the supposedly top secret evidence. In other words, one top secret document says one thing, another says another.

This is unfortunately common business practice. For example, I did business with Advantage Service Holdings, LLC d/b/a Advantage Service Company in Arkansas. Advantage installed a forced air unit in my home. The technician did not give me a written warranty. The unit failed quickly. Then Advantage and the manufacturer, Goodman, claimed the “limited warranty” excused them from any technical difficulties.

Neither Advantage, Goodman or the resale outlet gave me a limited warranty, even though I asked the installer for one. Instead, the technician wrote “warranty” on the invoice, with the number of years for compressor, parts, labor and service. In Arkansas State Court, I entered a copy of my invoice as exhibit 2.

I also entered a copy of the invoice Advantage altered. They added a checklist that represented that the technician gave me the “docs”. Scroll down to page 7. Compare to the original invoice above.

The judge on that case dismissed without allowing for a jury trial. It shocks the conscience that so many judges rubberstamp motions to dismiss and motions for summary judgment in favor of Big Business Billionaires like Goodman Manufacturing and Portfolio Recovery Associates, LLC, while staring at the face of obvious alterations of documentation.

We need A New America For the People.*

*My son Buddy Lynn had a tragic life, destroyed by corrupt judges and their cronies. The week before his death, he started a TikTok channel called “New America for the People”. I am dedicating my work for justice for the common person to Buddy Lynn. You can see my YouTube channel renamed in honor of Buddy here.