Portfolio Recovery Associates

[msanchezsf]

Help!

Here's the situation...

2001-Opened a HSBC account

2006-Completed a debt relief management program with Careone - I believe the only thing they didn't negotiate down or unable to was this HSBC card.

Post DRM Program to Current--Never made a payment to them after the completion of the DRM program---never talked to a debt collector & I ignored the letters & just tonight got served with a summons saying I owe this amount because I opened this account in the last 4 years.  My credit report shows that this account was charged off.

I live in California--the account was opened in California.  I read the statue on Debt is 4 years.  I see that PRA are scum bags.  What can I do to stop them in their tracks?  How can I get this removed from my credit report since this was charged off by HSBC?  I am trying to rebuild my mistakes from the past---please if anyone can help.

Thank you for taking the time in reading this.

[pizzadude]

Welcome to the forums !

I'm going to move your post to the rebuilding forum.

[fishbjc]

If PRA purchased the debt, they own it.  They have legal right to collect on it.  Whatever you do, you must answer this summons or they can get a default judgment. 

They are a tough nut to crack....one of the hardest.  BUT, it can be done.

[DaBears]

When was the DoFD on the account. Very important to know.