Debt Defense

Portfolio Recovery Associates Lawsuits


Portfolio Recovery Associates purchases old consumer debt at steep discounts. It then sues people on that debt for profit. Portfolio Recovery lawsuits often are defective, due to a lack of evidence and witnesses. In other words, there’s a good chance you can beat Portfolio Recovery in court. 

We charge flat fees to defend consumers sued by Portfolio Recovery Associates. If we don’t win your case, you won’t owe us attorneys’ fee for our debt defense service. To see if our debt defense attorney can help you, complete our contact form or call 1-800-997-5561.

Why Is Portfolio Recovery Suing Me?

Some debt buyers "filed lawsuits against consumers without the intent to prove ... the debts."

CFPB Press Release

Portfolio Recovery Associates is suing you to profit off your debt. PRA purchases old debt at considerable discounts. After buying your debt on the cheap, Portfolio often will try to collect the full amount of debt from you. PRA may call you, send you letters, or sue you.

According to public documents filed by the Federal Trade Commission and the Consumer Financial Protection Bureau, debt buyers like Portfolio Recovery Associates can pay as little as 3 to 4 cents on the dollar for the delinquent consumer debt they purchase. 

One tactic used by Portfolio Recovery to profit off the debt it buys is the mass filing of collection lawsuits. For example, in early 2019, PRA was filing 500-750 lawsuits a week. If Portfolio filed lawsuits at that pace for the whole year, it would file between 25,000 and 35,000 lawsuits in Pennsylvania in just one year. Additionally, according to public reporting, some debt buyers have filed as many as half a million lawsuits in a year.

Can I Win If I Get Sued By Portfolio Recovery?

There’s a good chance you can win Portfolio Recovery Associates lawsuits. When PRA sues consumers, it often lacks the documents and witnesses necessary to prove its case in court. For example, in Pennsylvania, debt buyers need the following things to win their case:

  • Contracts: these documents are necessary to prove the interest fees, and terms agreed to by the parties.
  • Account Statements: these documents are necessary to prove the purchases, interest, fees, charges, debits, credits, and other amounts that make up the debt at issue.
  • Assignments: an "assignment" document is required to show the debt buyer owns the debt at issue in its lawsuit.
  • Witnesses: witnesses are required to authenticate the contracts, account statements, and assignments, and testify how these documents apply to the case.

Portfolio Recovery usually doesn’t have the required documents, and they rarely (if ever) bring witnesses to court. When PRA doesn’t bring the documents or witnesses it needs, you should win and they should lose. In our experience, this is often the case.

What Are My Chances Of Winning A Portfolio Recovery Associate Lawsuit?

Generally speaking, the likelihood that you’ll win a Portfolio Recovery Associate lawsuit is high. For example, we win the overwhelming majority of Portfolio Recovery lawsuits we defend. To gauge your chance of success in a particular case, we evaluate numerous factors including but not limited to:

  • The amount at issue.
  • The original creditor.
  • The attorneys representing Portfolio Recovery (usually Weltman Weinberg and Reis, Ratchford Law Group, Scott & Associates, or a group of individual in-house attorneys).
  • The court in which your case is pending.
  • The county in which your case is pending.

To see your chance of success, call us today at 1-800-997-5561. You also can complete our contact form to get a free case evaluation.

What Kind Of Portfolio Recovery Lawsuits Do You Defend?

We defend many types of Portfolio Recovery Associates lawsuits, including magistrate court collection lawsuitscourt of common pleas collection lawsuitscredit card lawsuitsrepossession lawsuits, and other types of debt collection lawsuits.

Most of our debt defense work is focused in Western Pennsylvania, including the following counties: Allegheny (Pittsburgh), Armstrong (Kittanning) Beaver (Beaver), Butler (Butler), Cambria (Ebensberg), Erie (Erie), Fayette (Uniontown) Westmoreland (Greensburg), and Washington (Washington). We also accept work outside Western Pennsylvania if we are able.

How Can You Help If I'm Getting Sued By Portfolio Recovery?

We help most people getting sued by Portfolio Recovery by defending them in court. We generally don’t talk settlement with Portfolio Recovery Associates because we often can win your case on procedural grounds or on the merits.

Most times, you won’t have to attend any court hearings and we will do most of the work to win your case. In fact, most of our clients don’t have to leave their home for us to represent them. To learn more about our services, visit our debt defense page.

You Have Rights, Even If Portfolio Recovery Associates Is Suing You.

Even if Portfolio Recovery Associates is suing you, you still have legal rights. For instance, PRA can’t sue you for a time-barred debt. PRA also can’t harass you over the phone. Furthermore, PRA is prohibited from making false or deceptive statements in letters it may send you.

To learn more about dealing with debt collectors generally, visit our dealing with debt collectors page. And, to learn about your debt collection rights and see how we can help if your rights were violated, visit our debt collection harassment page.

Hire Us To Win!

If you’re getting sued by Portfolio Recovery Associates for credit card debt (Capital One Bank, Synchrony Bank, Comenity Bank, U.S. National Bank, or some other credit card issuer), for personal loan debt, for auto loan debt, or for some other type of consumer debt, please contact us. 

We charges flat fees for our debt defense service. Most importantly, we don’t get paid unless you win. Please fill out our contact form or call us at 1-800-997-5561 to see if our debt defense attorney can help you.

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