Thanks for this article! Extremely helpful. I’m definitely attempting to get up-to-speed on dealing with junk debt collectors, namely PRA.
Long story short, I’ve been sued by PRA in an attempt to recover alleged debt in the amount on $1100 (debt was purchased from GE/Synchrony Bank). After significant back and forth, lost work hours totaling most likely more than the original debt, I decided to settle. Honestly, the lost work days, anxiety and nights researching complicated debt law have just taken a toll on my sanity.
After calling the plaintiff’s attorney and agreeing to a payment plan, she advised me that sending in discovery didn’t matter because we had a plan in place and we just needed to get it signed. I ended up sending an evasive discovery full of objections and denials as well as my own rogs for the Plaintiff.
Days passed and I still didn’t receive the agreement/stipulation—I even brought this up to the judge during pretrial hearing. Fast forward to a week ago (3 weeks later), at which time I final received the stipulation, however, it is dated from three weeks ago and says that the time has passed for the stipulation to be valid (15 days). When I opened it, I panicked and called the litigation department. I was able to work out a payment plan and made a payment that day and will make my next payment in another week. However, I DO need another agreement to sign, one that’s valid.
The attorney went MIA (I’ve tried calling her on 10 separate occasions to request a new agreement). We have a trial date set in January, no signed agreement, even though I was able to call PRA directly and work something out (I was told I would have to get in touch with the attorney directly for her to dismiss the lawsuit). I would like to avoid going to court, if possible, and have made payments in good faith. Do I have any options besides going to court?
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