Wife being sued by Portfolio Recovery Associates Credit card debt (pay, debts)
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My wife who is responsible for her own bills has been sued by Portfolio Recovery Associates who purchased a Credit Card debt she owed a creditor. It appears she acknowledges that she owes this debt but is not sure how much. How much is on Portfolio Recovery Associates to prove vs. my wife? If she owes the debt which it appears she does it needs paid but when she calls the credit card company they have no record of what she owes stating the account was sold. In their complaint they show a statement from September 2013 but show buying the debt in May of 2014. I feel it is on them to produce the transaction history from September 2013 - May 2014 so we can understand what is owed and negotiate from there. Thoughts?
Get a lawyer. Tell the lawyer to make Portfolio Recovery show the signed loan document. If they can't produce that document (which happens a lot when debt changes hands) then they have no case against you and must cancel the court date and drop all the debt on all three credit reporting agencies like it never happened.
I got lucky and it happened for me one time. Asset Acceptance bought some debt I had that my ex wife took out for me (she signed my name I believe). My lawyer asked them to produce the document of my signature. They couldn't produce it. They dropped the case and wiped my debt.
My wife who is responsible for her own bills has been sued by Portfolio Recovery Associates who purchased a Credit Card debt she owed a creditor. It appears she acknowledges that she owes this debt but is not sure how much. How much is on Portfolio Recovery Associates to prove vs. my wife? If she owes the debt which it appears she does it needs paid but when she calls the credit card company they have no record of what she owes stating the account was sold. In their complaint they show a statement from September 2013 but show buying the debt in May of 2014. I feel it is on them to produce the transaction history from September 2013 - May 2014 so we can understand what is owed and negotiate from there. Thoughts?
Quote:
Originally Posted by Bodycount
Get a lawyer. Tell the lawyer to make Portfolio Recovery show the signed loan document. If they can't produce that document (which happens a lot when debt changes hands) then they have no case against you and must cancel the court date and drop all the debt on all three credit reporting agencies like it never happened.
I got lucky and it happened for me one time. Asset Acceptance bought some debt I had that my ex wife took out for me (she signed my name I believe). My lawyer asked them to produce the document of my signature. They couldn't produce it. They dropped the case and wiped my debt.
The wife acknowledges that she owes the money. Are you really suggesting that if she can get off on a technicality, she should become a deadbeat and not pay what she owes? Seriously?
The wife acknowledges that she owes the money. Are you really suggesting that if she can get off on a technicality, she should become a deadbeat and not pay what she owes? Seriously?
It's been bought because she didn't pay the bill for over a year...
I was only saying that it sounds like she's pretty much already a deadbeat...
Agreed.
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