Courts Help Portfolio Recovery Associates: Here is help for You
Portfolio Recovery Associates is not slowing down.
Even as the stock of parent company PRA Group, Inc. plummets, the debt buyer is dialing for dollars.
It took me filing a lawsuit for violation of the FDCPA and intrusion on seclusion for me to convince Portfolio to quit their incessant calling.
It didn’t end well for me. Judge Rudofsky said no reasonable juror could think that the debt collector’s calls were too annoying. PRA got a judgment for over $8,000 to reimburse their costs of defending themselves. Judge Rudofsky said that even though that is more than my annual income, I didn’t list my expenses, so it wasn’t unjust to make me pay the equivalent of a year’s pension to the billion-dollar company. Easy for him to say, living off a six-figure government job.
But, don’t give up. In a different jurisdiction, for similar conduct, PRA was hit with an $82 million jury verdict. Other pro se litigants are making leeway. And Portfolio Recovery did make a $5,000 Offer of Judgment to me – I just went all in and the dealer pulled PRA’s card off the bottom of the deck.
I hope this document showing a Portfolio Recovery Associates call log, charge off data compiled and contact log will help you convince your judge not to let the defendant cover-up similar documents in your case.
Open Response to Email By Someone Interested in Joining a Class Action Against Debt Collectors in New York
Hi. I already filed a lawsuit on my own and lost. Lost on appeal. Was denied discretionary review at the Supreme Court.
I am not an attorney. I scored 162 on the LSAT (Ivy League score) and am accepted tuition free to law school. So, it is over three years before I can help anyone else in court.
I have uploaded many of my filings and filings that won on my website. http://www.court-corruption.com. Also some videos on my YouTube @StopBigBusinessBillionaires
Where did you find me?
The most important advice I can give you in a nutshell, record and document every call. The collector in my case claimed the first hundred calls to my cell phone in 2020 were not made. I hadn’t recorded them and all the numbers I called that were on my phone bill (including the ones they said they called from) they had disconnected.
If a person owed the debts and the statute of limitations expired, the person still owes the money. But the creditor can’t collect in court. They can still call or write to ask the debtor to pay, but are supposed to stop if asked in the same way they contact the person. Regulation F. The calls to me happened before Regulation F went into effect. I was required to put my Cease and Desist in writing. It was a violation for them to try to collect after the C+D. The judge on my case said the interrogatories and affidavit of identity theft or fraud they tried to get me to fill out was not an attempt to collect a debt.
If one of the collectors is Portfolio Recovery Associates, look at the 2015 consent order and the 2023 stipulated judgment for violating that restraint order. Those documents and documents of a winning case with an $82 million jury verdict called Mejia v. Portfolio Recovery Associates, LLC are on my blog and you can download them for free.
If you write your own lawsuit, based on a winning lawsuit or one that was settled as a template, they may throw a little money at you. I had an offer of judgment for $5,000. I think a jury would find damages to be significantly higher, but the judge in Arkansas was not letting it go to trial if I had a video of the debt collector handing him a briefcase full of cash.
Thank you for writing. I almost didn’t open your email because the name of the sender sounded like scam. I’m glad I did open it and hope you find someone who will represent you.
Laura
A Higher Law 