Ohio Debt Collection Laws

Summary

The user is facing a civil lawsuit for a credit card debt of $848.64 in Ohio. The debt was incurred in late 2021 or early 2022 and was paid off completely by the user. The user was served with a lawsuit by Portfolio Recovery Associates, LLC and was advised by the court to respond to the lawsuit mentioning the debt payment. The user is unsure about drafting the response and was advised to seek help from a legal aid organization in Ohio. The users annual income is about $13,000, which may qualify them for legal aid.

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Civil Lawsuit / Debt Collection
What state are you located in, ****? This will help me provide the most accurate information regarding debt collection laws in your area.
Ohio
What is the nature of the debt and how much is it? In Ohio, the statute of limitations for debt collection is generally 6 years.
Credit Card Debt, *.*
What is the date of your last payment? This will help determine if the debt is within the statute of limitations. In Ohio, it's generally 6 years for credit card debt.
*/*/*
When was the debt initially incurred? This will help determine if the debt is within the statute of limitations. In Ohio, it's generally 6 years for credit card debt.
I don't remember. sometimes from late * early *
Do you have any documentation or statements that could help determine when the debt was initially incurred? This is crucial to establish if the debt is within the statute of limitations.
I know it was either * or *
Do you have any communication from the debt collector or credit card company regarding this debt?
as of currently no
Have you been officially served with a lawsuit regarding this debt?
yes
What is the name of the court where the lawsuit has been filed?
in the vermilion municipal court
What is the name of the debt collection agency or the plaintiff in the lawsuit?
portfolio recovery associates, llc
What is the case number for the lawsuit filed by Portfolio Recovery Associates, LLC?
cvf *
What is the date you were served with the lawsuit?
The day I received the papers was august 26th, *
What is the deadline mentioned in the papers for you to respond to the lawsuit?
28 days
What is the current date? This will help determine how much time you have left to respond to the lawsuit.
*/*/*
What actions have you taken since you were served with the lawsuit?
i paid off the debt completely
Did you receive a written confirmation from Portfolio Recovery Associates, LLC stating that your debt has been paid off completely?
i received an email at request which states the balance was paid off and the current balkance on the account which was *
Have you informed the court about the payment and provided them with the confirmation email from Portfolio Recovery Associates, LLC?
i have not, I called the court to ask if i still needed to send an answer to the court in regards to the lawsuit and they said yes, and mention the fact that the debt was paid off in my answer.
What is the exact content of the email confirmation you received from Portfolio Recovery Associates, LLC?
in the email it shows my account number, the seller, original creditor, the charge off creditor, my last payment, and the current balance of *.
Have you sent your answer to the court mentioning that the debt was paid off? If not, it's crucial to do so within the deadline to avoid any legal complications.
no not yet
What is the deadline for you to send your answer to the court?
do i go by the date i recieved the letter or the day stamped on the paper from court ?
You should go by the date you received the letter. The clock starts ticking from the date of service, which is when you received the papers.
my last day to respond would be */*/*
What is the content of your response to the court? It's important to include all relevant details, such as the payment confirmation from Portfolio Recovery Associates, LLC.
im not exactly sure how im supposed to respond. Everything they claimed was correct. The debt was mine, i got the credit card from best buy for a single purchase. I have to admit everything they said but im not exactly sure how to write up the response and i can't afford a lawyer to do it for me so I'm trying to do it myself but I'm a little lost with everything I'm actually supposed to put in the response.
Have you considered contacting a legal aid organization in Ohio for assistance in drafting your response? They often provide free or low-cost services.
i wasn't sure if I would qualify.
What is your income level? Legal aid organizations often provide assistance based on income, and you may qualify for free or low-cost services.
currently i make less than *,*
What is your annual income? This will help determine if you qualify for legal aid services.
about *,*
Based on your income, you may qualify for legal aid. In Ohio, you can contact Ohio Legal Help at *-*-*-*. They can assist you in drafting your response to the court.
Thank you
Based on your income, you may qualify for legal aid. In Ohio, you can contact Ohio Legal Help at *-*-*-*. They can assist you in drafting your response to the court.