Consumer complaint received 2017-10-24
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

In an effort to reconcile a debt prior to being sued & a subsequent judgment filed against me, I reached out to my creditor with the following correspondence. The timeline below is the entirety of an email thread that occurred from XXXX XXXX, XXXX between myself and my creditor 's Operation ManageXXXX to reconcile a debt of {$13000.00} : 1. On Friday, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, after a phone conversation to determine a settlement agreement on an outstanding account, I received an email at my personal address rom the collection agency 's operation manager. 
2. This email required that, for email correspondence between the collection agency & I to continue, I type the phrase I AGREE in both the subject and the body of my reply email. 
3. To comply with this request, as directed, a reply email containing the phrase I AGREE in both the subject and the body of this email was sent on XXXX XXXX, XXXX XXXX XXXX XXXX ). 
4. Later that afternoon ( XXXX XXXX ), I received an email from the collection agency 's operation manager, inclusive of a settlement agreement dated XXXX/XXXXXXXX. 
5. At the end of that afternoon ( XXXX XXXX ), after reviewing the contents of the attached settlement agreement -- contents that misrepresented the agreement as discussed on the phone earlier that afternoon -- a follow-up email requesting clarification of this document was sent to the operation manager. Surprisingly, this inquiry received no response. 
6. On Tuesday, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, a second follow-up email requesting confirmation that the settlement agreement reflected the total and complete financial agreement for this account to be paid in full was sent to the operation manager. Again, this inquiry received no response. 
7. On Friday, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, a third follow-up email requesting confirmation that the attachment reflective of everything that I am responsible to pay in order for the account to obtain a zero balance? was sent to the collection agency 's operation manager. Once again, this inquiry received no response. 
8. On Wednesday, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, a fourth ( and final ) follow-up email requesting confirmation that the settlement agreement was, in its entirety, the financial agreement for this account to be paid in full. Yet again, this inquiry received no response. 

In short, over the span of nearly XXXX weeks, 4 attempts were made -- in writing and per the collection agency 's request -- to secure clarification on the settlement agreement that was provided by the agency 's operation manager. Each of these 4 attempts were respectfully made in good faith for the purpose of reconciling my delinquent account and executed according to the terms by which the collection agency required for written communication on this matter to transpire. 

On XXXX XXXX, XXXX, a final judgment filed in XXXX XXXX ( FL XXXX XXXX XXXX was entered in favor of the collection agency. 

In the time that has followed, I have made multiple requests to reconcile this account. Those efforts have been entirely futile. At some point, between the collection agency 's failure to return a written response XXXX XXXX XXXX XXXX and XXXX XXXX, a final judgment was rendered. I do not recall being sued or served papers at any point during this time frame. While I am fully aware that a judgment has been entered against me, I am curious as to whether or not I have any legal remedy at this point.