Who is Portfolio Recovery Associates, LLC?

Portfolio Recovery Associates, LLC (PRA) is a publicly traded, a third-party debt collection company that also buys huge portfolios of old bank credit card and finance contracts from Dell and then sues Michigan consumers through its own lawyers from Norfolk, Virginia.  They will use Weber & Olcese from Troy Michigan and Mary Jane M. Elliott, P.C. for local counsel lawsuits. The lawsuits are filed without the proper assignment or title paperwork to prove their case. Most courts will let this slide if you don’t bring it up. I use this absence of proof to settle or eliminate my client’s debts and lawsuits in Michigan Circuit and District Courts. PRA is generally easy to work with (Michael Olcese is very reasonable and pragmatic) while Roosen & Varchetti require some litigation to resolve cases. However, Paul Varchetti one of the owners of Roosen & Varchetti is becoming easy to deal with too.

What names should I look for if PRA are suing me?

The main attorneys on all of debt collection lawsuits are Kevin Holst and David M. Greenbaum. These attorneys specialize in suing consumers with debt collection lawsuits.  Look for their names on the Summons in your paperwork to confirm PRA is suing you. PRA uses its own attorney law firm to file most of the cases in Michigan. I deal with them all the time and they know I will sue their firm if they break the law.

When you get sued by PRA in State court, an answer and counter claim against them is the best approach to eliminating or settling your debt when the facts are there. Usually, PRA has very little proof of ownership of the specific debt they are suing upon-just general Bill of Sale paper or Affidavits that do not apply to you. Get your paperwork to us within 21 days of being served and we will provide you a free analysis to help you win.

What does a PRA lawsuit look like?

The basic pleading or lawsuit you will receive with be the same throughout the State of Michigan depending on whether PRA itself or Weber & Olcese or Mary Jane M. Elliott is suing you. The lawsuit will have no basis of fact proving you owe the debt to PRA. In fact, any title or assignment proof fails to show you owe the debt or that PRA has a right to sue you. Look at the assignments and bill of sale attached to your complaint. It will not have a direct and specific assignment of your debt being sold from the original creditor to PRA. Here are samples of PRA lawsuits:

View samples of PRA lawsuits here

View additional sample complaint here

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How to Beat a PRA Lawsuit

When you hire us, first we will file a Response or an “Answer” to the PRA lawsuit to avoid a default being filed against you. If they get a default against you, they can levy or garnish your bank accounts and paycheck. You want to avoid this at all costs. Otherwise, you lose your case no matter what proof they attached as lawsuit exhibits.

Second, we file a Counter Claim showing the Court that PRA did not file or attach the proper paperwork to the lawsuit. The real paperwork is long gone from being bought and sold by different entities and debt buyers. Your counter claim shows the Court that PRA has no standing to sue you and therefore they broke the law. You are then entitled to money damages and attorney fees and costs. This will settle lawsuits quickly and will often eliminate the debt against you in any resolution of the case. Kevin Holst from PRA, Michael Olcese from Weber & Olcese and Brian Truba at Mary Jane M. Elliott are easy to deal with and settle the case for you.

What is the Resident Agent address of PRA to serve them?

Registered Agent Information


Registered Office Address:

100 Shockoe Slip

Fl 2

Richmond, VA, 23219 - 4100


Principal Office Address:


NORFOLK, VA, 23502 - 0000




How to Settle a Debt with PRA

It is simple with the right attorney. If you need help with a PRA lawsuit, then contact me at 248-342-9583 or through our free evaluation form.  As a debt lawsuit defense attorney, I also offer a free legal consultationwhen you are sued by PRA or their collection attorneys. As I stated above, the best way to deal with them is to come in strong with a good defense and counter claim on their lawsuit.  As our five-star clients will tell you, the savings we offer far outweigh our small legal fees and you might get money back from them in a Federal lawsuit. We do it all. Please fill out our Free Case Evaluation today.

Cases we resolved with Portfolio Recovery Associates

2021: Portfolio Recovery Associates, LLC (PRA) v Client in the 61st District Court in Grand Rapids, Kent County. PRA sued our client in District Court and obtained a $10,800 Judgment against our client. Client came to us for help and to negotiate with Weber & Olcese, the law firm that obtained the Judgment for PRA. Within weeks, we got 60% of the debt eliminated and client now pays a much more manageable amount on a debt he owes. We got the Judgment set aside and case dismissed. With the Judgment eliminated, it will come off the client's credit report and their FICO scores will go way up with the elimination of a Collection Account. Very happy Client. DEBT ELIMINATED

2020: Portfolio Recovery Associates, LLC v Client in the 54B District Court in the City of East Lansing, Ingham County. Client was sued by Portfolio Recovery for owing over $15,000 to Citibank. We filed an Answer and Counter Claim against Portfolio Recovery. We settled the case for a complete elimination of the whole $15,000. The debt is now gone, the case is dismissed, and my client's credit will be cleaned up. A Very Happy client. DEBT ELIMINATED

2020: Portfolio Recovery Associates, LLC v Client in the 41A District Court in Sterling Heights, Macomb County. Portfolio Recovery sued our client in District Court on an old Synchrony Bank debt totaling over $15,000. Portfolio Recovery was represented by the law firm, Weber & Olcese who took the case up to a Pre-Trial. We negotiated a package with Weber & Olcese that got all $15,000 eliminated within weeks of our firm being hired. With the debt and lawsuit eliminated, client's credit FICO scores will go up too. Very happy Client. DEBT ELIMINATED

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