Portfolio Recovery Associates, LCC. v. Houston, No. 12-CVS-642
A North Carolina Court has approved the Settlement of the class action lawsuit described below. The lawsuit involved certain debt collection activity in North Carolina by Portfolio Recovery Associates, LLC at any time after October 1, 2009, through January 11, 2018.
The Class Representative in this case alleged that Portfolio Recovery Associates, LLC ("PRA") violated North Carolina debt collection law in two ways: (1) PRA sent written notices to class members of its intent to file collection lawsuits and also filed collection lawsuits against class members without having sufficient proof of the amount of the debt claimed to be owed; and (2) when PRA filed collection lawsuits against class members, PRA also failed to include proper documentation showing that it owned the debt. PRA disputes these allegations.
The Settlement offered payments to the following people:
PROVIDED HOWEVER, the Settlement did not offer payments to anyone who met the categories above if a judgment was entered against them in the lawsuit filed by Portfolio Recovery Associates, LLC seeking collection of a debt in the North Carolina courts between October 1, 2009 and January 11, 2018 (unless Portfolio Recovery Associates, LLC sent them another Notice of Intent to File Legal Action and/or initiated a separate lawsuit seeking collection of a separate debt against them that has not resulted in a judgment prior to January 11, 2018), if they have filed for or were placed in bankruptcy after October 1, 2009, or if they are deceased.
Your legal rights are affected whether or not you chose to act.
The official Class Notice is the notice approved by the Court that describes the Settlement and tells Class Members what their rights are. Click here to see a copy of the notice.
Your rights and options—and the deadlines to exercise them—are explained on this website.