FAQ

Legal proceedings are complex matters.  Further, employees of the Court are lawfully precluded from dispensing advice.  Therefore, in representing yourself you would have to effectively navigate through the Rules of Evidence, Rules of Civil Procedure, Rules of Court, understand the law as it pert...

Our firm has represented people from a broad spectrum of backgrounds.  That has included physicians, accountants, teachers, nurses, professors, dentists, psychologists, airline pilots, social workers, executives, attorneys and business owners.  However, regardless of their measure of education or...

A common misunderstanding is that once a lawsuit is filed the Court sets a date for the parties to appear before the Judge.  However, that is not a legal requirement in civil proceedings.  So if the Defendant fails to effectively respond to the Complaint by filing an Answer within twenty-eight (2...

Portfolio Recovery Associates is a debt purchaser.  They acquire default accounts from original credit issuers.  Once they own the obligation they can engage in any lawful collections efforts, including phone calls, letters, lawsuits, and post Judgment activities such as wage garnishment and bank attachment. Portfolio is owned by the PRA Group, a publically traded company.  In 2022 they acquired $850 million ($850,000,000.00) in default accounts, collected $1.7 billion ($1,700,000,000.00) from debtors, and generated a net profit in excess of $117 million ($117,000,000.00).  At the conclusion of that year they owned about $5.7 billion ($5,700,000,000.00) in outstanding balances, which is equivalent to around 5% of all credit card debt nationwide.  The benefit to an original credit issuer in selling to Portfolio is that they derive some value in exchange for a non-paying account.  Meanwhile, Portfolio generates a profit by successfully collecting sums from debtors that exceed their operational costs.  So given their scale, Portfolio serves a substantial role in the default collections industry. 

Social Security and Pension benefits are lawfully protected from garnishment regarding credit and charge accounts, auto loans and leases, pay day loans, medical bills, utility bills and rental deficiencies.  This protection equally extends to any savings that may have been accumulated from such i...

After filing a lawsuit and obtaining a Judgment, which is a Court Order to pay, a creditor has the ability to potentially attach your wages for up to 25% of your net income each pay period until the balance due on account has been satisfied.  Those funds would then be directly deducted from your ...