- Report: #827902
Complaint Review: Portfolio Recovery Associates
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| Portfolio Recovery Associates 140 Corporate Blvd
Norfolk, Virginia United States of America |
|
Portfolio Recovery Associates Sent York City Police to my door to hand me a Commencement of Court Action for debt collection Norfolk, Virginia
*Author of original report: Sorry :(
*Consumer Comment: You probably just screwed yourself
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This report was posted on Ripoff Report on 01/24/2012 02:22 PM and is a permanent record located here: http://www.ripoffreport.com/r/Portfolio-Recovery-Associates/Norfolk-Virginia-23502/Portfolio-Recovery-Associates-Sent-York-City-Police-to-my-door-to-hand-me-a-Commencement-827902. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Search Tips#1 Author of original report
Sorry :(
AUTHOR: mmundy - (United States of America)
SUBMITTED: Friday, January 27, 2012
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#2 Consumer Comment
You probably just screwed yourself
AUTHOR: Robert - (U.S.A.)
SUBMITTED: Tuesday, January 24, 2012
REGARDLESS OF WHAT THEY SAY DO NOT MISS THE COURT DATE
Because if you don't show up in court they can and will get a default judgement against you. This also includes making sure you file any answer/response that may be required. Because if they get a judgment they will be able to take further action. It does not appear that PA allows Wage Garnishment in this case, but they may be able to attach your bank accounts.
Now why do I say you may have screwed yourself. Because you may not have legally owed the debt. There is something known as the Statute of Limitations, for PA this is 4 years. So if you haven't made a payment or had any other action on that account in the last 4 years you may have been able to walk into court, shown that the debt is outside the SOL and basically walked out not owing a thing. But since you have now made a payment you may have reset the SOL and that $50 may be enough to cause you to owe the entire debt. My guess is that you called them, and they said to make a "Good Faith" payment to show you are serious about paying back your debt, you got "scared" about the suit and decided to pay them. While it's too late now the only thing about these "Good faith" payment is that you can have "Good Faith" that you will be sued for the full amount.
However, now that you are in this situation you may still want to at least consult a lawyer to see about your options. It may cost you a couple hundred dollars to see a lawyer, but if it saves you over 4K it will be worth it.
Baring that when you go to court try to come up with what you truly can pay, keeping in mind that paying back $50 a month probably isn't going to cut it. As that would be about 92 months. Where the $138 puts you around 3 years which is a little more standard.
Good Luck
