Q: i received a civil warrant and court date from portfolio recovery. i have no knowledge of this credit card and it’s
it’s not on my credit report and i want to file and answr and request verification. court clerk says there is no paper to file. what do i do
A: General sessions court civil warrants do not require a "written" response UNLESS it is on a sworn account, which it probably is since Portfolio Recovery is a debt buyer. Tennessee has a sworn denial form here https://www.tncourts.gov/node/1436225 which you can fill out and file ahead of time. The important thing is that you appear in court to contest the claim. You may also want to hire counsel. If they fail to show that you owed any money to the original creditor, fail to show chain of title, or otherwise have insufficiencies in their case, you may prevail. But if you do not show up, a default will likely be entered against you.
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