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Debt Buyer Lawsuits
LVNV Funding Is Suing Me in Pennsylvania — What Do I Do?
If LVNV Funding just sued you in Pennsylvania, Common Pleas cases use a 20-day Answer deadline; MDJ and Municipal cases use Notice/Defense plus a mandatory hearing. Pennsylvania’s borrowing statute can shorten the SOL to 3 years on Delaware-issued cards — Discover, Barclays, Comenity, TD Bank, PNC. And under Pa.R.C.P. 1029(b), a general denial is treated as an admission, so paragraph-by-paragraph responses are required.
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Debt Buyer Lawsuits
LVNV Funding Is Suing Me in Virginia — What Do I Do?
If LVNV Funding just sued you in Virginia, the rules are different from every other state. Virginia uses a Warrant in Debt system — there is no written Answer deadline. You must appear in General District Court on the return date. Va. Code § 8.01-380(D) lets you block LVNV from voluntarily dismissing once you file a counterclaim.
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Debt Buyer Lawsuits
Midland Credit Management Is Suing Me in Arizona — What Do I Do?
If Midland Credit Management or Midland Funding LLC just sued you in Arizona, you have 20 days from in-state service or 30 days from out-of-state service. Under Mertola v. Santos, the 6-year SOL clock starts at the first missed payment — not charge-off.
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Debt Buyer Lawsuits
Midland Funding Is Suing Me in Georgia — What Do I Do?
If Midland Credit Management or Midland Funding LLC just sued you in Georgia, in State Court or Superior Court you have 30 days to file your Answer, plus an additional 15-day window (days 31–45) under O.C.G.A. § 9-11-55(a) to open default as a matter of right. Georgia has the strongest published debt-buyer chain-of-title case law in the country: Nyankojo and Wirth.
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Debt Buyer Lawsuits
Midland Credit Management Is Suing Me in Indiana — What Do I Do?
If Midland Credit Management or Midland Funding LLC just sued you in Indiana, you have 23 days. Indiana's Debt Buyer Pleading Act (IC 24-5-15.5) requires Midland to attach the original signed agreement, every prior owner with transfer dates, and a bill of sale.
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Debt Buyer Lawsuits
Midland Credit Management Is Suing Me in Kentucky — What Do I Do?
If Midland Credit Management or Midland Funding LLC just sued you in Kentucky, you have 20 days. Kentucky's borrowing statute under KRS 413.320 imports Delaware's 3-year SOL when your card was issued by Discover, Barclays, Comenity, TD Bank, or PNC.
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Debt Buyer Lawsuits
Midland Credit Management Is Suing Me in Minnesota — What Do I Do?
If Midland Credit Management or Midland Funding LLC just sued you in Minnesota, you have 20 days. Minnesota has the strongest no-revival rule in the country (§ 541.053), the Rule 5.04(a) auto-dismissal trap, and a collection-agency licensing requirement — all powerful against Midland, whose parent Encore is subject to the 2015 federal CFPB consent order.
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Debt Buyer Lawsuits
Midland Credit Management Is Suing Me in Missouri — What Do I Do?
If Midland Credit Management or Midland Funding LLC just sued you in Missouri, you have 30 days for circuit court cases. Missouri Supreme Court Rule 55.22 requires Midland to attach both the assignment(s) AND the underlying contract.
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Debt Buyer Lawsuits
Midland Credit Management Is Suing Me in New York — What Do I Do?
If Midland Credit Management or Midland Funding LLC just sued you in New York, you have 20 days (personal service) or 30 days (other service). New York has the strongest debt-buyer pleading law (the CCFA) and the shortest credit-card SOL — three years under CPLR § 214-i — and the Midland Funding / MCM entity split makes the chain-of-title attack particularly powerful.
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Debt Buyer Lawsuits
Midland Credit Management Is Suing Me in Ohio — What Do I Do?
If Midland Credit Management or Midland Funding LLC just sued you in Ohio, you have 28 days under Ohio Civ.R. 12(A)(1). Ohio Civ.R. 10(D)(1) requires the account attached, R.C. § 1319.12(C) requires a written assignment, and the CSPA — under Taylor v. First Resolution — gives you treble damages. Midland Credit Mgt. v. Bowers itself confirms the mandatory arbitration stay applies to Midland.
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Debt Buyer Lawsuits
Midland Credit Management Is Suing Me in Virginia — What Do I Do?
If Midland Credit Management or Midland Funding LLC just sued you in Virginia, the rules are unlike any other state. Virginia uses a Warrant in Debt system — there is no written Answer deadline. The Green v. Portfolio Recovery standard applies to all debt buyers, including Midland.
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Debt Buyer Lawsuits
Portfolio Recovery Associates Is Suing Me in Arizona — What Do I Do?
If Portfolio Recovery Associates just sued you in Arizona, you have 20 days from in-state service or 30 days from out-of-state service. Under Mertola v. Santos, the 6-year SOL clock starts at the first missed payment — not charge-off — making many PRA cases time-barred earlier than expected.
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Debt Buyer Lawsuits
Portfolio Recovery Associates Is Suing Me in California — What Do I Do?
If Portfolio Recovery Associates just sued you in California, you have 30 days from personal service or 40 days from substituted service. California's Fair Debt Buying Practices Act (Civil Code §§ 1788.50–1788.64) requires PRA to attach the contract and prove the chain of ownership — the exact documentation PRA was sanctioned for not maintaining.
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Debt Buyer Lawsuits
Portfolio Recovery Associates Is Suing Me in Florida — What Do I Do?
If Portfolio Recovery Associates just sued you in Florida, you have 20 days under Fla. R. Civ. P. 1.140(a). PRA has been hit with $43M in CFPB enforcement for filing suits without documentation. Florida's FCCPA gives you a fee-shifted counterclaim.
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Debt Buyer Lawsuits
Portfolio Recovery Associates Is Suing Me in Georgia — What Do I Do?
If Portfolio Recovery Associates just sued you in Georgia, in State Court or Superior Court you have 30 days to file your Answer, plus an additional 15-day window (days 31–45) under O.C.G.A. § 9-11-55(a) to open default as a matter of right. Georgia has the strongest published debt-buyer chain-of-title case law in the country: Nyankojo and Wirth — both Georgia Court of Appeals decisions that align directly with the CFPB's 2015 ($19M + $8M civil penalty) and 2023 ($24M settlement) findings against PRA. Combined with the strict Tillman Group arbitration waiver rule and the FDCPA, these tools make Georgia one of the most defendant-favorable states for fighting back.
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Debt Buyer Lawsuits
Portfolio Recovery Associates Is Suing Me in Illinois — What Do I Do?
If Portfolio Recovery Associates just sued you in Illinois, you have 30 days to file your Answer. Illinois has one of the strongest debt-buyer pleading rules in the country — Illinois Supreme Court Rule 280 — and the CFPB has twice sanctioned PRA for filing suits without the documentation Rule 280 now requires.
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Debt Buyer Lawsuits
Portfolio Recovery Associates Is Suing Me in Indiana — What Do I Do?
If Portfolio Recovery Associates just sued you in Indiana, you have 23 days. Indiana's Debt Buyer Pleading Act (IC 24-5-15.5) requires PRA to attach the original signed agreement, every prior owner with transfer dates, and a bill of sale — exactly the documentation PRA was sanctioned for by the CFPB.
Read more →
Debt Buyer Lawsuits
Portfolio Recovery Associates Is Suing Me in Kentucky — What Do I Do?
If Portfolio Recovery Associates just sued you in Kentucky, you have 20 days. Kentucky's borrowing statute under KRS 413.320 — applied in Conway v. PRA itself — imports Delaware's 3-year SOL when your card was issued by Discover, Barclays, Comenity, TD Bank, or PNC.
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Debt Buyer Lawsuits
Portfolio Recovery Associates Is Suing Me in Michigan — What Do I Do?
If Portfolio Recovery Associates just sued you in Michigan, you have 21 days under MCR 2.108(A)(1). Michigan's MCL 600.2145 affidavit-counter-affidavit rule, MCL 600.8407(1) Small Claims bar, and Brownbark II all create chain-of-title leverage against PRA — leverage amplified by PRA's twin CFPB consent orders.
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Debt Buyer Lawsuits
Portfolio Recovery Associates Is Suing Me in Minnesota — What Do I Do?
If Portfolio Recovery Associates just sued you in Minnesota, you have 20 days. Minnesota has the strongest no-revival rule in the country (§ 541.053), the Rule 5.04(a) auto-dismissal trap, and a collection-agency licensing requirement — all powerful against PRA, which has twin CFPB consent orders for the very documentation gaps Minnesota law now penalizes.
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Debt Buyer Lawsuits
Portfolio Recovery Associates Is Suing Me in Missouri — What Do I Do?
If Portfolio Recovery Associates just sued you in Missouri, you have 30 days for circuit court cases. Missouri Supreme Court Rule 55.22, effective July 1, 2021, requires PRA to attach both the assignment(s) AND the underlying contract — exactly the documentation PRA was sanctioned for not maintaining.
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Debt Buyer Lawsuits
Portfolio Recovery Associates Is Suing Me in New Jersey — What Do I Do?
If Portfolio Recovery Associates just sued you in New Jersey, you have 35 days under R. 6:3-1. New Jersey has unique protections: R. 6:3-2(c) requires a five-element disclosure, R. 6:6-3(a) requires a sworn affidavit before any default judgment, and the Atalese standard governs arbitration enforceability.
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Debt Buyer Lawsuits
Portfolio Recovery Associates Is Suing Me in Ohio — What Do I Do?
If Portfolio Recovery Associates just sued you in Ohio, you have 28 days under Ohio Civ.R. 12(A)(1). Ohio Civ.R. 10(D)(1) requires PRA to attach the account, R.C. § 1319.12(C) requires a written assignment, and the CSPA — under Taylor v. First Resolution — gives you treble damages and mandatory attorney fees.
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Debt Buyer Lawsuits
Portfolio Recovery Associates Is Suing Me in Pennsylvania — What Do I Do?
If Portfolio Recovery Associates just sued you in Pennsylvania, your response path depends on the court track. Pennsylvania's borrowing statute can shorten the SOL to 3 years on Delaware-issued cards. Pa.R.C.P. 1019 fact-pleading and CACH v. Young create powerful chain-of-title defenses against PRA.
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