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Portfolio Recovery Associates Lawsuit

Sued by Portfolio Recovery Associates?

Debt Lawsuit Attorneys

Flat Fees. No Hourly Rate.

We have defended thousands of collection lawsuits.  Several hundred of them were filed by Portfolio Recovery LLC.  See some of our hundreds of Portfolio Recovery Results
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Weston Legal, PLLC
4.9
Based on 846 reviews
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Jenny UribeJenny Uribe
22:19 22 Sep 23
Courtney was all the was 10 stars if there were more. Thank you for always communicating with me and also your staff is the best. This is my second case with Weston Legal and both have been success!!!!!
Jay PetrillaJay Petrilla
16:52 20 Sep 23
I would recommend the Weston Legal, PLLC to anyone. This was a very easy and fast process. We had numberous questions that were answered in a very timely manner.
Yesenia RuizYesenia Ruiz
16:54 19 Sep 23
I'd like to express my gratitude to Nicholas Simental! This entire processes was 10x's simpler thanks to him. His communication and ability to relay his expertise with me in a way I could understand made this experience uncomplicated. I appreciated his diligence in handling my case and keeping me updated throughout. Thank you!
Paul GreerPaul Greer
00:34 19 Sep 23
Got sued for credit debt . Saw right away that they had the upper hand. So found a lawyer on line and got blessed. They made a very stressful situation easy to solve . With their flat fee included they cut the debt in half. Without there help I would have owed thousands more in legal fees.
sharon lovelacesharon lovelace
22:24 18 Sep 23
Weston Legal’s treasure who goes by the name of Ryan Yanaway is a skilled attorney who called off the wolves from attacking me when he found some holes or mistakes in the plaintiff’s/debt collector’s lawsuit filed against me. The outcome resulted in their case against me being dismissed by turning it into a non-suit. To say I felt liberated would be an understatement. I can’t think of many other situations where my hands felt so tied like this one, because there’s nothing worse than acquiring a debt out purchasing something necessary as opposed to something you’d just like to have, and then life hurling some grenades your way and blowing you wildly off course, making repayment impossible while high interest accumulates to imprison you. The circumstances surrounding this debt meant that I had to leave my job to take care of my dying father, and although I wouldn’t ever change choosing to care for my greatest ally, my hero I call Dad, I saw there’s a real need in this country to create solutions for caregivers because we are warriors without the medals or notoriety whose battle cries fall on deaf ears. In the mean time while brainstorming solutions for a better world, it’s nice to know that Ryan Yanaway of Weston Legal is around to save the day. He’s a true gentleman on a mission that arose from a calling and there’s nothing quite like representation from someone whose big heart for people and quest for justice fuels his desire to fight for you another day.
April GillApril Gill
10:49 16 Sep 23
They have harassed me with non stop advertisements in my mail with bogus claims of a lawsuit being filled against me and I have heard no such thing and getting the information from the clerks found out to be untrue about a so called lawsuit. Stop or I will report you for harassment.
LinRose A.LinRose A.
23:00 13 Sep 23
Nicholas Simental, was extremely helpful and professional. He was considerate and empathetic with my concerns. Nicholas worked on my case and he did all he could to give me options to get me a win. I am so grateful to Weston Legal,PLLC,and Nicholas for taking my case and helping me out. I hope not to ever need legal assistance again, however if I do I wouldn't hesitate to hire Weston Legal,PLLC.
Jennifer VillarrealJennifer Villarreal
17:45 13 Sep 23
Thank you all for doing all the work and making this an easy process and stress free ! The communication from everyone in the office was great and I also appreciate getting my case dismissed! Thank you all
I would use this firm again. My lawyer was Trent. He was excellent, he was informative, kind, and kept me up to date on all things. I thank this firm so much, I have such gratitude that the Creator has them here to help others.
Brenda MoralesBrenda Morales
18:15 08 Sep 23
Courtney Baumbach was who represented me and she did an outstanding job. There were a few resets but, she was able to represent well and a final order of “Take Nothing” final judgement.I am so grateful for the work she put in to represent me. Weston Legal did an outstanding job to help me. Thank you to the whole amazing team.
tessie lynchtessie lynch
00:23 08 Sep 23
My experience with Weston Legal has been amazing. The receptionist and staff (Lorinda, Mallika, Lucy and Attorney Sarah Garcia) treated me with dignity and respect when I felt I was at my lowest. They explained the bankruptcy process to me and was readily available to address my concerns. We never know what life experiences that we may have to encounter, but if you find yourself having to deal with bankruptcy, I highly recommend this firm because they are very proficient at the services they provide.
Thomas JohnThomas John
19:39 06 Sep 23
I found myself in need of a bankruptcy attorney in the aftermath of the COVID19 shutdown. I had a number of firms to choose from, but I felt Weston Legal was the proper avenue for me. My legal assistant, Mallika Velma, has been invaluable in helping me organize all I needed to properly file, and the attorney, Sarah Garcia, has also been very helpful. All in all, the experience while daunting at first, has proceeded easily with their help. I am glad I chose Weston Legal.
Maria MunozMaria Munoz
20:41 31 Aug 23
Tebeau GroupTebeau Group
17:27 31 Aug 23
Ryan Y. is an exceptional attorney that I would highly recommend for legal council - he helped me reach a settlement with a debt collector who had harrassed me for months on end. Thank you to Ryan and the other great attorneys at Weston Legal, PLLC!
Mariah GonzalesMariah Gonzales
23:34 29 Aug 23
Nicholas helped me and I couldn’t be happier! He was so professional and polite and handled everything in a timely manner! I def recommend!
A MathewA Mathew
20:32 29 Aug 23
Weston Legal is one of the most professional and easiest law firms to work with. They are easy to work with remotely and they have excellent tools that make it easy for us to use their services without ever visiting their office.I had the pleasure of getting help from attorney Trenton Simms. He is one of the calmest legal persons I have dealt with. He went above and beyond his way to get us a fair result for our issues. Thanks Trent and Team Weston. I would highly recommend them for your legal needs!
Tashira PhanorTashira Phanor
22:41 27 Aug 23
Weston Legal was very professional throughout this entire process. I had the pleasure of They explained everything in terms that I could understand. The judgement exceeded my expectations which made for a great day.
Jerry ReynoldsJerry Reynolds
23:28 25 Aug 23
Just as advertised. These guys did exactly what they said. I'll recommend to family and friends thanks Weston Legal
Victor MoralesVictor Morales
16:15 25 Aug 23
Weston Legal, PLLC helped me out tremendously in getting my situation re-solved. I would recommend them to anyone. Ryan Yanaway and his team went above and beyond for me in my case. They treated me great and always answered any questions. Thank you Weston Legal.
Stephen EhrStephen Ehr
20:33 23 Aug 23
Superb in communication. Outstanding fair and professional across the board. Sincere thanks.
Anthony DelionAnthony Delion
19:47 18 Aug 23
Weston Legal is a great team who helped me save a ton money!! Thank you Dominique McKnight for all your help and support.
Martha A GutierrezMartha A Gutierrez
19:10 14 Aug 23
Excellent service
Nancy GarciaNancy Garcia
16:02 07 Aug 23
We highly recommend Weston Legal, PLLC, we were wonderfully represented by Sarah Garcia, Attorney and Mallika Verma, Analyst. They were very professional, prompt, knowledgeable and very responsive to all of our questions and concerns. They went above and beyond in handling our case. Thanks again Sarah and Mallika!
Ernesto VillarrealErnesto Villarreal
12:07 05 Aug 23
Easy to communicate very clear to understand and $ reasonable
Meghan Hokom StapletonMeghan Hokom Stapleton
01:13 05 Aug 23
Mallory was great to work with. She listened to our needs and negotiated our case well. We were very pleased!
Sunny WilliamSunny William
21:07 28 Jul 23
Courtney was absolutely amazing. From beginning to end she made sure I was taken care of. When I originally hired Weston Legal, I was beyond overwhelmed as this was the first time I ever needed to even hire a lawyer; however, with the help of Courtney my case was a complete success and I’m writing this review with complete relief and zero anxiety! These people are the best and I just can’t begin to say how much Courtney helped to ensure that my case was a winner no matter how big the task was. Feeling blessed and grateful on this Friday afternoon all thanks to Weston Legal and more importantly Courtney.If you have doubts.. throw them away. These people get the job done and make sure to deliver.
KalaKoaKid 82KalaKoaKid 82
03:33 28 Jul 23
Weston Legal has the best team of professionals. My attorney I was assigned to was Courtney Baumbach. I loved working with her. She was very communicative about my cases and any questions I had, she was always there to answer them. I highly recommend her, you won't regret it. 🙂
Dennis KeithlyDennis Keithly
15:04 25 Jul 23
I can't recommend their services enough. After my mother-in-law was sued for charges on a credit card, we retained Weston. They quickly got to work on her case. Once we discovered these were charges she did not make on a card she hadn't used in years, they were able to get the entire mattered dismissed. They were courteous, professional, and helpful in all aspects of this case.
janice elliottjanice elliott
00:40 14 Jul 23
I have used Weston Legal for three years. They are professional at all times. They respond to all my emails, calls promptly. Mallory Delaney assisted with my last case and got it done and closed on time. I now have Weston Legal's number locked in my phone. Awesome people, great service.
Chuck YoungChuck Young
00:01 14 Jul 23
Very professional service and strong commitment to communication. Walked me through every step of my case with trust and truthfulness. Gave me the good and bad of what might happen. Ryan and Clarissa saw it through to the end with a better outcome than expected.
R GGR GG
01:20 12 Jul 23
Weston Legal, PLLC helped us in a timely manner. We are very pleased with the outcomes and the rates they offered are very reasonable. If needed, I would use them again without any hesitation. Friendly staff and always called me back to answer any questions I had the same day or the following depending on the time of day I had an inquiry.
Chloe SaguetonChloe Sagueton
00:28 30 Jun 23
The whole team was helpful.A big thank you to the firm and to Paloma my case manager for all the help. They were able to bring down the debt I owe to a good amount and was also able to stay within my budget for payments. If anyone has credit debt troubles this firm is the one!
Listen I'm a rough client, rough in the sense that I am very demanding. I have had 2 separate cases that were dismissed due to the good work by the lawyers at Weston legal. I have never been in these situations until the pandemic came along and we had to live off the credit cards, I will not go to another lawyer for credit support. The fee's are very reasonable and they communicate with you about your options every step of the way. Don't hesitate in calling them and seeing if it is a great fit! glad I did, I was prepared to pay the settlements and instead the entire case were dismissed.
Georje BarreraGeorje Barrera
23:53 27 Jun 23
Courtney Baumbach handled my case and did a great job!She kept me notified of everything that was needed on my end and helped me get things done. I literally did not have to lift a finger, or consistently call, to check up on anything. The case was handled and I couldn't be more thankful. Such a great firm. Will be sure to use them again.
V JV J
08:14 21 Jun 23
I highly recommend Weston Legal, especially for debt collections suit cases. I received an unexpected outcome of not having to come out of my pocket at all. Thank you so much Weston Legal! If I ever find myself in a situation like that again, I already know who to call. They provided me with good communication, updates, recommendations, and the decisions were left up to me. Their services were affordable as well. Choose them!
Kesiri EdaferierhiKesiri Edaferierhi
00:07 30 May 23
I am absolutely satisfied with the service that I received from Weston Legal. Mallika and my attorney Sarah Garcia were more than I could as for. They made the entire process a breeze. They listened to my concerns and formulated a plan that was specific to my needs. They were personable and compassionate. Communication was always consistent. Highly recommended!
Dena ShipleyDena Shipley
22:54 12 Apr 23
Highly recommend Weston Legal. They went above and beyond in handling my case. Strong communication with me throughout the time they had my case from explaining every step they were taking to fight for my case, and anytime anything at all was done in regards to my case they always updated me no matter how small the change was. Ryan was very kind, professional and respectful.
Rhonda HolmesRhonda Holmes
15:57 06 Apr 23
I would definitely recommend Weston Legal to anyone that needs legal representation. Trent Sims was honest, helpful, knowledgeable, and so professional. I feel like he listened to me and I was so happy that it all worked out in my favor. The issue was resolved and I didn't even have to go to court with him. Again, if you want a trustworthy lawyer call Weston Legal. they work with you and even setup a payment plan for the fee if needed.
AGURL99AGURL99
20:16 20 Mar 23
Courtney was very helpful. It was my first time having to deal with being taken to court and she was very nice. She always responded in a timely manner and walked me through everything. They filed all the paperwork for me very quickly and got my case settled within a week of me emailing them. They offer payment plans as well to pay them which is very helpful for me. Would recommend to anyone.
Karen ColemanKaren Coleman
20:19 26 Feb 23
Weston Legal, PLLC is a great law firm that showed me personal attention. They have an excellent understanding of debt collection law and procedures. I was always kept up-to-date on every step of the process. My attorney got the best possible arrangement for my cases. All their work is greatly appreciated!!
Luis RodriguezLuis Rodriguez
00:24 28 Jan 23
My experience with Weston Legal, PLLC has been a positive one from the start. Ryan Yanaway was very polite and professional every time we spoke on the phone. He made sure to keep me informed every step of the way, which included court dates and the trial. The outcome of my case was positive and decided in my favor. I would highly recommend Weston Legal to anyone who has a legal case against them.
Az lAz l
03:53 14 Dec 22
Attorney Casey Smith is the best by far. Casey worked hard on my case and in the end we have a victory. I could not be happier with Casey or Weston Legal. He listened to my concerns and communicated every step along the way. Casey went above and beyond. His professionalism, caring spirit, determination, and legal knowledge blessed me and my family with a winning case today. Thanks Casey and God bless you!! Forever grateful. Mrs. A. Lewis
Spenser WardellSpenser Wardell
02:33 06 Dec 22
I am beyond pleased and grateful for my experience with Weston Legal, PLLC. My Paralegal Lorinda Barajas and My attorney Sarah Garcia were extremely professional and patient with me throughout the entire process. The way they were able to ensure that my case was a success is an understatement and I highly recommend them to anyone who needs bankruptcy representation and assistance. Once again, thank you Weston Legal 🙏🏾
timothy mclaughlintimothy mclaughlin
21:57 16 Aug 22
I couldn’t be happier with Weston Legal. When I raised some concerns about my case, they immediately had “all hands on deck”. Casey, the attorney who handled my case was amazing. This firm was able to settle on a debt with a plaintiff that wouldn’t budge on amounts initially. Attorney Casey called me numerous times to keep me informed of case updates, even from his cell phone. The personal service was truly amazing.I am extremely happy with Weston Legal.
Silvio GomezSilvio Gomez
02:44 10 Aug 22
I want to give a special thank you to Jessica Owens for helping me the whole way through my process. Jessica was very knowledgeable and answered all my questions in a timely manner. I would highly recommend using Weston Legal and I would use them again in the future!
Chastity HarrisChastity Harris
19:29 04 Aug 22
My experience working with Ryan and the Weston Legal team have been an amazing one. I love the fact they have a payment plan you can set up to pay off your fee. Also, I really appreciate that they take care of everything for you without you having to step foot in the courtroom. Both times I have used them they were able to offer me with great settlement offers for less than what was owed. They will always be my go to if I ever need them again. Thank You!
Nancy MontemayorNancy Montemayor
12:12 27 Jul 22
Casey is an amazing attorney he was able to get me a great outcome on my case! The entire staff was very courteous and always willing to assist. I interviewed several firms prior to choosing this firm. I knew after working with Casey that I made the right choice. He is an incredible attorney with a true passion for his job would highly recommend Weston Legal.
Carolina SandersCarolina Sanders
14:29 12 Jul 22
My experience as a client with with Weston Legal team was Awesome. They are very professional, understanding, honest and keep you updated about your case. I highly recommend Weston Legal to anyone who is needing help with a Debt Law Suit because they got mines dismissed. “ You are in Good Hands with Weston Legal.” Give them a call and I guaranteed you will not be disappointed.
Geneva NunnGeneva Nunn
22:48 07 Jul 22
I received a letter about a debt creditor that wanted to sue me. And you know when you hear sue you get scared. So, I called Weston Legal PLLC and the explained to me what was going, still don't understand nothing about this so of course I hired them. Months goes by then it's time for court Miss Clarissa start calling to talk about the case. I know I was so unready for this, but she was understanding with me. She would call me talk about the case then talk to the attorney then call me back. No matter how much I apologize she will say no ma'am if you need me, please call me no matter what she gave me her number in case I had any questions. Thank you for that. A few days before court she explains to me something and then I had the chance to talk to Mr. Ryan. Once he got on the line and we started talking about the case, the way he was talking all I could say was let's go to trial. When someone talks and make you understand something it in a good way no matter what go for it. Fast forward received a call today with GOOD NEWS. Thank y'all so much
Alana SandersAlana Sanders
02:06 03 Jul 22
Highly recommended for anyone in need of true financial help! We had unexpected financial problems after a dire medical situation and the Weston Legal team fought for the most reasonable outcome, beyond our expectations. Andrew, Melissa, Sarah, and Ryan, they all had our best interest at heart and we all worked together to create our best case scenario. They follow through at every step and make the legal system easy to navigate. We are so blessed to have them on our side!
Shabaura PerrymanShabaura Perryman
15:13 24 Jun 22
Weston Legal provided me with great service. They were professional and worked to settle a debt significantly less than what I expected. Casey was very professional, and worked in my best interest. I truly appreciate his work and knowledge.
Crystal G. RobinsonCrystal G. Robinson
17:11 15 Jun 22
Best experience ever! I’ve never been in a situation where I’ve needed legal representation and Weston Legal addressed all of my concerns. The process was very long due to the nature of the service but Jessica started off with assurance and encouragement; but over the last 2.5 years, Casey was absolutely the best when it came to communication, answering my questions, addressing my concerns and putting my mind as ease by explaining all processes and next steps. He always did his due diligence and consulted with other colleagues. I would definitely return to Casey and Weston Legal should I ever need representation again!
SlayVenom GobletSlayVenom Goblet
10:07 11 May 22
Casey and the team at Weston Legal are amazing. They are very easy to work with. They took care of everything, from doing all of the paperwork to going to court for me. All I had to do was send them the documents and sign. They are polite, professional and efficient. They resolved my issue. I would definitely use them again and I highly recommend you do too. A great thank you to Casey and everyone there.
Juan DavilaJuan Davila
23:37 06 Mar 22
Wanted to share my experience with Weston Legal. Unfortunately last year I had to file for bankruptcy. After looking through several firms, I found that Weston Legal had great experience and reviews regarding this issue, so I contacted them. I was surprised to get a response within a few hours. Jessica A. was the first person to contact me and she was very helpful in explaining what the process would be. Whenever I had a question Jessica A. would always respond in a timely manner. Weston legal was able to help me resolve my case within a few months. I highly recommend them.
Sandy ColemanSandy Coleman
21:56 21 Mar 21
Jessica walked me through every step of the process with such compassion & I’ll be forever in her debt. It was an emotional experience that I couldn’t have done without Jessica & Sarah’s help. Thank you for making it a seamless & painless procedure. Your kindness & professionalism will be remembered forever!
Virginia MilliganVirginia Milligan
13:46 31 Jan 21
I have used this firm 2 times to help with issues. The rate is fair, helpful that it is a flat fee. The helped to negotiate a decent deal. You cant always get what you want to happen, but a fair deal is better than no deal. And both times it was fair.
Daniel BustosDaniel Bustos
19:34 04 Jan 21
I have been working with Jessica and have found her to be a valuable asset. She replied to my multiple queries in timely and professional manner. She took the time to answer whatever question I may have, and kept me abreast of the progress being made on my case. I am thankful for the help I've received with my case.
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Who Is Portfolio Associates Recovery LLC?

Portfolio Recovery Associates LLC  is a buyer of charged off debt.  Portfolio may be showing up on your credit report or they may have served you with a lawsuit. Portfolio Recovery Associates LLC  files thousands of collection lawsuits each year against consumers. PRA will hire a local collection attorney to file the lawsuit.

Portfolio Recovery will rely on witness testimony in a “business record affidavit” when trying to prove their case against you.  It is important to fully understand the rules of evidence when attacking these affidavits and any documents attached. If you have recently been served with a Portfolio Recovery LLC lawsuit then you should take action to protect yourself.

Is Portfolio Recovery Associates Suing or Harassing You?

If you have been sued by Portfolio Recovery Associates, you are not alone. This debt collection company buys delinquent accounts from other companies and entities. It then uses various tactics to collect the debt from individuals including, but not limited to, harassing individuals with telephone calls and letters before filing lawsuits.  According to the website, the company states, “We’re here to help you pay your debt.”  Unfortunately, many times they forcibly obtain judgments and garnish bank accounts if you ignore them.

Who Owns Portfolio Recovery Associates?

 Portfolio Recovery Associates is owned by PRA Group, Inc. operating under the name of Portfolio Recovery Associates, Portfolio Recovery Associates, LLC, Portfolio Recovery Associates, Inc., PRA, or PRA LLC.  It is a publicly traded company with an average stock price of around $57 a share (known as PRAA on NASDAQ).  In addition to owning Portfolio Recovery Associates, PRA Group, Inc. also owns several subsidiaries including MuniServices, LLC, PRA Receivables Management, LLC, and PRA Holding I, LLC. The founder of PRA Group, Inc. is Steven D. Fredrickson. He co-founded PRA Group, Inc. in 1996 and has served as its Chairman, Chief Executive Officer, and President since March 2002. The other co-founder, Kevin Stevenson, currently serves as the company’s Chief Financial Officer.

The company headquarters is located in Norfolk, Virginia:

Portfolio Recovery Associates, Inc.
Portfolio Recovery Associates, LLC (PRA LLC)
120 Corporate Boulevard
Norfolk, VA 23502
757-519-9300
888-772-7326
www.portfoliorecovery.com

 According to the company website, PRA Group operates in North America and Europe.  The North America operations include businesses in Virginia, Alabama, California, Illinois, Kansas, Nevada, New Jersey, Pennsylvania, Tennessee, and Texas. It also has an office located in London, Ontario.  A list of company offices can be found on the company website.

What Types of Debt Does Portfolio Recovery Associates Purchase?

Portfolio Recovery Associates purchases several types of debt from various companies and entities throughout the United States. Most debts are delinquent unsecured debts that have been charged off by the original creditor such as credit card debt, medical debts, and personal loans.  The company also purchases a large number of debts that are included in Chapter 13 bankruptcies.

Some of the companies or entities that Portfolio Recovery Associates purchases accounts from include:

  • Credit card companies
  • Hospitals or other medical providers
  • Banks
  • Credit unions
  • Retailers (i.e. department stores and other retail stores)
  • Telecommunication companies
  • Utility companies
  • Automobile finance companies
  • Consumer finance companies
  • Student loan lenders

Portfolio Recovery Associates pays the creditor a percentage on the dollar for the delinquent account.  The creditor benefits by receiving some of the debt that it has charged off as bad debt and believes that it will never collect from the individual.  Portfolio Recovery Associates benefits by receiving the account for less than is owed on the account with the intention of collecting the full amount owed from the individual thereby making a profit on the purchase. In order for this to be profitable for Portfolio Recovery Associates, the company must aggressively pursue collections efforts against each account.

Complaints Against Portfolio Recovery Associates for Unfair Collection Practices

The Better Business Bureau reports that during the past three years, 1,311 complaints were closed through the BBB.  Of those complaints, 1,169 complaints were due to billing and/or collection issues. An alert on the BBB’s website refers to a settlement by Portfolio Recovery Associates, LLC with the State of New York regarding allegations that the company violated New York laws in its debt collections practices.  N.Y. Attorney General Eric Schneiderman said, “Debt collectors must follow the same rules the rest of us do when bringing lawsuits — in this case, suing for debts that were not enforceable in the first place.”

Portfolio Recovery Associates often files lawsuits on debts that are too old to collect in an attempt to “scare” individuals into paying these debts even though there is no legal obligation on the part of the consumer to repay the debt due to its age. The company has agreed to pay $475,000 in penalties.

Portfolio Recovery Associates is also facing more problems as the Consumer Financial Protection Bureau (CFPB) investigates the company to determine if it has violated provisions of the Fair Debt Collection Practice Act.  According to the CFPB, more than 11,000 complaints were filed between July 2013 and January 2014 against various debt collection companies, including Portfolio Recovery Associates. PRA ranked third for having the most complaints.

Another class action lawsuit is pending in the U.S. District Court in California from 2011. Plaintiffs claim that Portfolio Recovery Associates violated fair debt collection laws by using an autodialer to contact consumers on their cellphones. The Fair Debt Collections Practices Act sets forth the actions that a debt collector may not use in an attempt to collect a debt.  Other provisions of the FDCPA include:

  • A debt collection cannot contact you before 8am or after 9pm unless you give the company permission to do so.
  • Debt collectors cannot contact you at work if you inform the company you cannot receive calls at work.
  • The use of threats of harm or violence is prohibited.
  • Callers cannot use obscene or profane language.
  • Repeatedly calling a person to harass or annoy that person is prohibited.
  • Debt collectors cannot say that you can be arrested if you do not pay the debt.
  • Debt collectors cannot misrepresent the amount you owe, falsely claim that you committed a crime, state they are a government official or calling from a government agency, or state that the papers they are sending or have sent to you are legal forms if the papers are not legal forms.
  • Debt collectors cannot contact you by postcard, use a false company name, or give false credit information about you to a credit-reporting agency.
  • A debt collection company cannot publish a list of names of people who have not paid their debts.

 

There are other provisions of the Fair Debt Collections Practice Act that an attorney can review with a consumer if the consumer believes he or she is being harassed or threatened by a debt collection company such as Portfolio Recovery Associates. Consumers have several courses of action they can take to stop creditor harassment and hold the company responsible for its unfair collection practices.

What Happens With a Judgment?

Your Bank Account Can Be Frozen and Emptied by Many Judgment Creditors

A Judgment Can Often Cloud Title on Your Homestead Property

A Judgment is Published on your Credit Report as a “Public Record”

With a Judgment, certain property can be sold at auction to pay towards the judgment

Do I Need a Lawyer?

Without a Lawyer

Default Judgment

The vast majority of collection lawsuits end up with a judgment against the consumer.  This is primarily because the consumer did nothing to protect themselves or they attempted to defend the lawsuit themselves.

With a Lawyer

Dismissal or Settlement

Most of our cases are dismissed by the creditor prior to trial or we reach a favorable settlement for our clients depending on the circumstances of their situation.

Our Results with Portfolio Recovery LLC

1) Portfolio Recovery LLC vs. Our Client
900,413; Harris County Court at Law No. 1
Result: Case Dismissed, no money paid to Portfolio Recovery

2) Portfolio Recovery LLC vs. Our Client
JC1100809G; Dallas County Justice Court 4-1
Result: Case Dismissed, no money paid to Portfolio Recovery

3) Portfolio Recovery LLC vs. Our Client
02-JC-11-00259; Collin County Justice Court 2-1
Result: Case Dismissed, no money paid to Portfolio Recovery

4) Portfolio Recovery LLC vs. Our Client
62710; Travis County Justice Court 1-1
Result: Case Dismissed, no money paid to Portfolio Recovery

5) Portfolio Recovery LLC vs. Our Client
986,262; Harris County Court #2
Result: Case Dismissed, no money paid to Portfolio Recovery

See More Portfolio Results

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Meet some of our Lawsuit Staff

Michael

Ryan

Courtney

Maria

Gayle

Trent

Our Testimonials

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Credit Card Lawsuit Defense

Motion for Summary Judgment

Houston, Texas

177 W Gray St
Houston, TX 77019
713.623.4242
866-579-6411(fax)

Dallas, Texas

320 Decker Drive
Suite 100
Irving, TX 75062
214.329.9837
by appointment only

Austin, Texas

106 E. Sixth Street Suite 900
Austin, Texas 78701
512.782.4377
866-579-6411 (fax)
by appointment only

San Antonio, Texas

9901 I.H 10 West Suite 800
San Antonio, Texas 78230
210-787-3539
866-579-6411
(fax) by appointment only

Fort Lauderdale, Florida

714 NE 13th St
Fort Lauderdale FL 33304
954-874-8345
866-579-6411 (fax)

Jacksonville, Florida

841 Prudential Drive
12th Floor
Jacksonville, Florida 32207
904-822-7145
866.579.6411 (fax)
by appointment only

Orlando, Florida

618 East South Street
Ste 500
Orlando, Florida 32801
407-499-8117
866.579.6411 (fax)
by appointment only

Tampa, Florida

2202 N West Shore Blvd
Ste 200
Tampa, Florida
813-303-0788
866.579.6411(fax)
by appointment only

Phoenix, Arizona

2375 East Camelback Rd
Suite 600
Phoenix, Arizona 85016
602.641-2931
866.579.6411(fax)
by appointment only