Tag Archive | pro se FDCPA

The Just Us System

Here is a weird thing I noticed when I was researching for an FDCPA claim I brought against a debt buyer called Portfolio Recovery Associates, LLC:

Similar cases that are brought by attorneys settle for about $1,000 to $5,000 per plaintiff with $20,000 to the attorney who filed the case. I have seen cases that did not settle quickly, where the plaintiffs got about $10,000 and the attorneys got $200,000.

Portfolio Recovery Associates gave me offers of judgment for $1,000 and $5,000. I told them no.

Filing the average case is not rocket science. The attorneys who specialize in consumer protection law can probably write and file a case in 35 minutes.

So, why do the attorneys earn disproportionately more than a litigant who is willing to do the paperwork on her own? Doesn’t that incentivize the lawyers to settle quickly and often, instead of working hard to get to trial? If one or two people make it to trial and a jury awards significant punitive damages, Boom! PRA and its ilk will need to find a different way to harass and rip off the rest of us.

Records From Portfolio Recovery Associates, LLC

Portfolio Recovery Associates, LLC, one of the nation’s most dishonest debt buyers, will often tell a person she owes money to PRA because PRA bought the old debt, even without adequate proof the debt exists.

According to a long line of actions by the CFPB and various State Attorney Generals, Portfolio Recovery Associates does not verify or validate the debts it bought before aggressively trying to collect. PRA knows the portfolios it purchased for pennies on the dollar are riddled with errors.

I am suing PRA for making incessant phone calls to me on a debt that I don’t recall and for which it has inadequate proof. Each call I answered began the same way. “Hi. This is [random person’s name] calling from a recorded line to speak with Laura Lynn. Is she available?”

They knew I had an Arkansas landline, but still treated me as if I still lived in California which is a two party consent state for recording purposes.

Part of PRA’s defense is that it did not make the numerous calls I received in which I hung up on them. They won’t tell me who provides them telephone service so I could subpoena their records. But they did provide their own call log.

Their call log does not match up to my cell phone records.

If you decide to sue PRA to try to deter them from making more improper calls, keep good records. Tape the calls if it is legal in your state. Look up “single-party consent recording” or, if PRA starts the conversation by telling you the call may be recorded it sounds to me like they are giving you permission to record also. (Disclaimer: I am not an attorney. This is just what sounds fair to me and what I presume when someone tells me he is recording a call.)

All the PRA numbers they called me from two years ago that I tried calling back yesterday are now disconnected.

Here is a short list: If you know some of Portfolio Recovery Associate’s old numbers please email them to me or post in the comments.

(760) 823-3149

(720) 307-1681

(760) 258-4596

(442) 286-3194

Hint of the Day: Read the Rules

Lawyers will often try to trick pro se litigants about the law. They may do this to other lawyers as well. I don’t know for sure because I am not a lawyer.

This is not legal advice.

This is a personal experience.

I filed a document in a federal case against Portfolio Recovery Associates, LLC, a giant debt buying company known to collect on alleged debts from portfolios they know to be inaccurate.

PRA had sent me about 2,000 pages of documents that were marked “confidential”. I am challenging the designation, because the vast majority or all the documents should not be marked confidential by PRA.

The problem is that the court does not allow non-attorneys to file electronically. The pro se litigant is usually self-represented because she cannot afford an attorney. But filing paper copies costs 10 cents per page, plus is time consuming. And four copies are required. So, with the cost of gas to drive to the courthouse to file, the 2,000 pages times four would cost $830 to file.

The court for the Eastern District of Arkansas is full of kind and professional employees. (There are a few bad apples, but that is another story.)

I am not going to name names, because the bad apples try their hardest to transfer their rot onto the good ones.

A few of the good ones gave me permission to file the 2,000 pages on a DVD, an electronic medium.

The paper filings are input to the electronic filing system by the clerk. This causes electronic service, through email, to opposing counsel.

But the 2,000 page DVD did not get loaded onto the system. It was confidential, for the time being, so it would not have been posted even if on paper.

I should have emailed a copy to opposing counsel. Opposing counsel sent an email, and rightly so, to point out my error.

Here is where an attorney, John “Jed” E. Komisin of the Troutman Pepper firm got a little tricky. He wrote:

“Please provide us a copy at your earliest convenience, and please make sure you continue to provide us with copies of all materials submitted to the Court in this matter.”

I replied that the exhibit I filed was the file they created and shared with me through Workshare.

Mr. Komisin’s reply: “Under the federal rules you are required to provide service copies of any materials filed with the Court to any opposing party.  This is to ensure that all parties are provided with any materials presented to the Court.”

Sounds logical and I had no qualms emailing a copy of the file back to its originator.

But what if it was not so simple? What if I filed evidence that was not in an easy format to reproduce? One example might be if a gun was used in the incident complained about. What does the litigant do if she files the gun as evidence? Find an exact replica and buy it for opposing counsel?

So, I did what I suggest you do if you ever need to know a rule. Read the rule book.

The Federal Rules of Civil Procedure are easy to find on the internet. They are free to read. They are not difficult to understand, once you gain a little legal vocabulary. (If you found this blog and read this far, it is likely you can understand the rules.)

Rule 5 discusses service of pleadings and other papers. (Something many attorneys and judges don’t even recognize is that motions are not “pleadings”.)

Rule 5 says:

(a) Service: When Required.

(1) In General. Unless these rules provide otherwise, each of the following papers must be served on every party:

(A) an order stating that service is required;

(B) a pleading filed after the original complaint, unless the court orders otherwise under Rule 5(c) because there are numerous defendants;

(C) a discovery paper required to be served on a party, unless the court orders otherwise;

(D) a written motion, except one that may be heard ex parte; and

(E) a written notice, appearance, demand, or offer of judgment, or any similar paper.

and “(D) Same as a Written Paper. A paper filed electronically is a written paper for purposes of these rules.”

The rules do not say “materials” as Mr. Komisin suggests. The rules talk about “papers”.

Nit-picky? Maybe. This is just an illustration of how attorneys will sometimes change one word of a rule or statute to change the meaning that the legislature intended. A favorite attorney trick is changing “and” to “or”. Super popular amongst the legal set is using “and/or”, which is not a word and is ambiguous. That is my new pet peeve.

The hint for the day is to look up every rule that is stated by the opposing party’s counsel. Even if they use quotation marks, there will often times be little, tiny variations from the actual language that change the meaning significantly.

These changes are made because the attorney is trying to trick you, the Court and/or the attorney is a slime bag.

No Need to Reinvent the Wheel: Where to find evidence against Portfolio Recovery Associates

You may feel alone as a pro se litigant. But you are not.

My mother used to say, “books are your friends”. The World Wide Web extended your friend list exponentially.

That attorney who earned $199,856.00 for representing a class action against PRA, he is your friend.

He is a nice guy and kinda smart.

Read this deposition and you may feel like you are in the room with your new friend and the folks representing the goliath debt buyer.

This deposition was posted on PACER. It costs 10 cents per page to download documents from the public access site, but your bill is forgiven if you stay below a minimum.

Hey, you and I are friends now, too. If you want to find some fun facts on PACER and want to post them on this blog, feel free to email the download to me at bohemian_books@yahoo.com.

Here’s two more docs that I paid for: the complaint against Portfolio Recovery Associates, LLC and the settlement agreement that came after the deposition above.

Deposition Testimony in Nielson v Portfolio Recovery Associates, LLC

This writer has an open case against Portfolio Recovery Associates, LLC for violating the Fair Debt Collection Protection Act, known as FDCPA.

The attached documents are from another case against Portfolio Recovery, Nielson v PRA, 2:18-1610-RMG from the Federal District Court in South Carolina. They are being included here as a research tool. They are in the public domain, downloaded from PACER – Public Access to Court Electronic Records.

If you are a pro se litigant or just like reading court papers, get yourself a PACER account. The documents cost 10 cents per page, but you are not charged if you stay under the threshold. Off the top of my head, you get the first $30 per quarter forgiven if you don’t exceed that amount.

Nielson was represented by an attorney and the case settled before trial.