Being in debt is not exactly a strange thing. This is because there are several millions of people across the globe that owe one financial institution or another some money. This is usually from getting a loan from the institution involved. If you have a long-standing debt, it is something that you may want to think about. This is because of the involvement of Portfolio Recovery Associates. The pra group is one that claims to buy debts from other financial institutions and will want to recover the loan from you. If you get a letter from one of these agencies, you have certain options to manage the situation. But there are certain things that you should do if you want to stand a chance to win. One of those things is to appear in the court within the time limit. The time you have depends on your location and the lawsuit that you are served. This also means that you are working against a particular period of time here. So, you should be able to make up your mind fast as regarding your next line of action against the pra. If you don’t take carefully calculated steps, you are likely to lose everything you have. And this will not be a good experience for you and your family. There are people that have lost their properties, bank accounts, and a good chunk of everything that they have suffered over the years to gather in their careers. All these depend on the choices that they made in handling the situation. While dealing with pra debt collectors, you don’t want to take any risky chances. This is why you need to get the best law firm to help you out. With this, you have a good chance to win the case and still have things settled in a manner that will be convenient for you.