Being sued on an old debt by a debt collector whose name you might not even recognize is a confusing and experience. Trying to navigate a lawsuit on your own can be overwhelming and difficult. Don’t worry—Higbee & Associates can help by handling the entire lawsuit process for you from start to finish, regardless of whether it goes to trial. Higbee & Associates’ focus is on creating second chances to our clients, and our Consumer Advocacy division’s focus is on consumer rights, including credit card collection defense. We have exceptionally trained attorneys and staff who have successfully resolved thousands of debt defense cases nationwide.

Who is Portfolio Recovery Associates?

Portfolio Recovery Associates operates in the United States and the United Kingdom collecting and suing on charged off debt. Their website reports, “Cash collections of $1.1 billion” for year 2013. This company buys old debts by the thousands and settles most of them without going to trial.  For full year 2013, Portfolio Recovery Associates invested a record $656.8 million in new portfolios. This is not a company you want to go up against unrepresented. They are sophisticated and have legal strategies that are not in the consumer’s best interest. If Portfolio Recovery Associates contacts you, immediately get an attorney to help protect your rights.

Portfolio Recovery Associates claims that you still owe money on debts that have been charged off and they are here to help you. Portfolio Recovery Associates claims to be managing the now charged off debt but the fact is, once the debt is charged off and sold, that debt belongs to the other company and the original creditor will not make a dime from your repayment of that debt.

Portfolio Recovery Associates Lawsuit Defense Eligibility

If you are currently being sued by Portfolio Recovery Associates or recently had a default judgment filed against you, we can help!

Call (801) 736-1982 now for a free, no obligation consultation!

Overview of services we provide to consumers who need to be defended against Portfolio Recovery Associates

Our division’s entire team is exclusively committed to protecting your rights. We know you want to make things right but are struggling to make ends meet. We understand that in today’s economy, financial troubles can happen to anyone. That is why we strive to provide an easy, affordable, stress-free process to help consumers who have fallen into debt.

Higbee & Associates debt defense services include the following:

  • Filing all court documents
  • Conducting the discovery process
  • Attending any and all hearings
  • Negotiating the best possible settlement for you
  • No Additional Fees if your case goes to trial
  • 95% of our cases have settled without a trial

We handle your entire case from start to finish for a flat fee, no matter how long it takes! Our debt defense attorneys are some of the best. Not only do we have over 50 years of combined experience, but we are passionate about fighting for consumers who are being hassled by large credit card companies.

Once you sign up with us, we will handle everything from start to finish and we charge one flat fee. There are no hidden fees or costs and we stay with your case until the end! We are passionate about fighting for consumers and we have over 50 years of combined experience, so we know how to get excellent results. We also have great working relationships with many debt collection law firms and that benefits the consumer as well.

Don’t trust just anyone to handle this for you–you need the experts at Higbee & Associates on your team, fighting for you! There are many debt settlement companies that pretend that they are affiliated with attorneys and run off with clients’ hard earned money. Higbee & Associates is a national law firm, thoroughly dedicated to helping clients get a second chance. We pride ourselves on our stellar reputation and top-notch customer service. We have earned the trust of thousands of clients through our successful handling of their cases, and we have earned an “A” rating with the Better Business Bureau for our zealous client representation.  To read what our clients have to say about us, click here.


  • Stop the constant harassment from creditors!
  • Have experienced attorneys handle your case from start to finish for one flat fee!
  • Stop fighting with creditors and their attorneys – let us fight for YOU!
  • You don’t have to go court in most cases! Our experienced attorneys will appear in court on your behalf!
  • Help get you back on your feet and out from under all the debt!

Choose us and you will receive the best representation the industry has to offer:

  • Over 50 years combined experience in debt defense and civil litigation
  • “A” rated representation
  • Fully committed to your success
  • Above and beyond customer service
  • Top rated attorneys dedicated to your rights

Some other notable reasons are:

Value. At Higbee & Associates, we believe all individuals and companies deserve to receive high quality representation at an affordable cost. We offer flat-fee pricing with no hidden fees.

Technology. We use the most current cutting edge technology and legal resources to help us complete our cases more quickly. We have access to all the latest decisions that impact debt collection law, and have connections to industry experts.

Personal Service. At Higbee & Associates, providing high quality customer service is our top priority. We take our clients seriously, listen to their concerns, and advise them accordingly. We answer all phone calls and emails promptly, and treat our clients with the highest level of respect and professionalism.

Frequently Asked Questions About Portfolio Recovery Associates Lawsuits

I am not sure I can repay my debts. Can you help me?

Yes! Should you need it, Higbee & Associates can handle your bankruptcy too! Because we are a national, full service law firm, we are able to assess your unique circumstances and determine which financial relief option is best for you, whether it is debt settlement, debt defense, bankruptcy, a short sale or loan modification. We offer all of those services and will help you choose the one that best fits your specific needs.

I am being sued by a creditor and I missed the deadline to file an answer. Can you still help me?

Yes! Call us! We may be able to file an answer before a default judgment is entered against you. Our dedicated legal team will research your case free of cost, provide you with your current status, and tell you what we can do to help.

There is a default judgment already entered against me. Can you still help me?

Yes! Call us! We may be able to set aside the default judgment depending on the circumstances of your specific case. Our dedicated legal team will research your case, free of cost, and provide you with a recommendation. In many cases, we can still help you.

I already filed an answer on my own. Can you still help me?

Yes! Call us! We can take over your case, amend your answer, and you will receive all the benefits of having Higbee & Associates represent you.

I haven’t been sued yet, but I am delinquent on my credit card bills and afraid of being sued. What do I do?

We can still help you! We are a national, full service law firm. We offer much more than just debt defense. Call us at (714)617-8387  for more information about our highly successful debt settlement service. In the area of consumer rights, we can also help with loan modifications, short sales, bankruptcy, foreclosure defense and more.

I keep getting phone calls from creditors.  Can you stop them?

Yes! Call us! Once you have retained our law firm, we immediately notify all of your creditors that Higbee & Associates now represents you. At that point, they MUST stop all contact with you.

Do you have a payment plan?

Yes! We offer affordable flat fee rates for all of our services. However, if you are unable to pay the flat fee in one payment, we also offer reasonable and convenient payment plans. Call us today for more information- we will work with you.

Do I really need an attorney?

Yes! Many people who attempt to represent themselves on their own are taken advantage of or fail to complete necessary steps in the process that negatively impact their case, due to their lack of familiarity with debt collection law and procedures. Higbee & Associates will not let that happen to you. You will receive high quality representation from experienced attorneys who are knowledgeable in all aspects of debt defense cases. Call us today at (714)617-8387 for a free consultation.


Call us today at (714)617-8387 for a free consultation.