Case Summary
**Case Summary: Manuel Pantoja v. Portfolio Recovery Associates (Docket No. 3020500)**
**Court:** [Insert relevant jurisdiction, e.g., U.S. District Court or State Court]
**Date Filed:** [Insert date if available]
**Parties Involved:**
- Plaintiff: Manuel Pantoja
- Defendant: Portfolio Recovery Associates, LLC
**Background:**
Manuel Pantoja filed a lawsuit against Portfolio Recovery Associates, a debt collection agency, alleging violations of the Fair Debt Collection Practices Act (FDCPA) and/or other applicable laws concerning debt collection practices. The plaintiff's grievances typically involve claims of improper communication, harassment, or failure to provide accurate information regarding the debt.
**Claims:**
1. Violation of the Fair Debt Collection Practices Act (FDCPA): The plaintiff contends that Portfolio Recovery Associates engaged in practices that violated provisions of the FDCPA, such as:
- Failing to provide proper validation of the alleged debt.
- Making false representations regarding the character or amount of the debt.
- Engaging in harassment or abusive conduct in connection with the collection of the debt.
**Defendant’s Response:**
Portfolio Recovery Associates responded to the complaint, potentially denying the allegations and asserting defenses such as:
- The debt in question was valid and the collection practices employed were within legal boundaries.
- The agency provided adequate validation of the debt as required under the FDCPA.
**Issues:**
The primary legal issues in this case revolve around the interpretation of the FDCPA, the legality of the collection practices employed by Portfolio Recovery Associates, and whether the plaintiff suffered any damages as a result of the alleged violations.
**Outcome:**
As of the last update, the outcome of the case, including any rulings, settlements, or judgments, is not specified. Further details can be obtained from court records or legal databases.
**Significance:**
This case is significant as it contributes to the ongoing discourse regarding consumer rights in debt collection practices, highlighting the importance of compliance with federal regulations established to protect consumers from abusive practices.
[Note: For the most accurate and updated information regarding the case, including specific rulings or decisions, please refer to official court documents or legal resources.]