Portfolio Recovery Associates has recently filed a new wave of lawsuits in Whitfield County Magistrate Court.  Often these lawsuits are based upon charged off credit card balances and some are multiple years old.  Portfolio Recovery Associates usually buys these debts for steep discounts.

If you have been sued by Portfolio Recovery Associates, please give us a call.  Under Georgia Law, you only have 30 days to respond to the lawsuit.  You may have valid defenses to the debt or counterclaims under the Fair Debt Collection Practices Act.  In other situations, it may make sense for you to get a fresh start in a Chapter 7 Bankruptcy or have the court approve a debt adjustment plan in a Chapter 13.