The clock is the first thing that matters. You usually have 20 to 30 days from being served to respond, or Portfolio Recovery can win by default.
The first move is simple — contact the court for your deadline. Then we handle the letters that put the burden back on them.
Portfolio Recovery bought your old account cheap and is betting you won't fight back. When someone makes them prove they own it, a lot of the time they can't. That silence is the win.
Making them prove it is the whole job. That's what we do for you.
🔒 We never share your email. No spam. This is where your letter tracking goes.
Your response deadline is the first thing that matters. Ignore it and Portfolio Recovery wins automatically. Start with a phone call to the court today.
A Portfolio Recovery Associates (PRA) lawsuit comes with a response deadline, typically 20 to 30 days from the date you were served. Missing it usually means a default judgment, so the first step is to contact the court listed on your summons and confirm your exact deadline and what they require.
Portfolio Recovery is a debt buyer that purchased your account rather than originating it. When a case is contested, it has to produce proof of ownership and a full accounting of the balance. Demand letters that require that proof are what shift the burden back onto them.
Prove It Toolkit prepares those demand letters. You contact the court and meet your own deadlines; we handle the paperwork that makes Portfolio Recovery prove its case.
This page is general information, not legal advice. For deadlines and procedure in your case, contact the court listed on your summons or a licensed attorney in your state.
If Portfolio Recovery comes back with full documentation and won't drop it, that's when you may want to negotiate a settlement. Most of the time, it doesn't get that far.
Not a law firm and not legal advice. You contact the court and meet your own deadlines, and you approve every letter before it's sent. 7-day money-back guarantee.