Plenty of people in debt receive, what may seem like harassing calls, on a daily basis from aggressive debt collectors. When do these calls cross the line? What if you were receiving these calls and you knew you were not in debt? What if the collection company took it a step further by filing suit? This is what happened to a Maria Guadalupe Mejia, a woman from Missouri, who was mistakenly sued by PortfolioRecovery Associates LLC. Mejia was sued for a credit card debt of $1,000, which in turn belonged to a man with a similar sounding name. A jury decided that Portfolio Recovery Associates LLC ‘maliciously prosecuted’ Mejia to collect a debt that was not her own and awarded her $83 million.
Before the lawsuit was filed against Maria Mejia, she worked in a dry cleaner’s shop which recently closed leaving her unemployed. Portfolio Recovery Associates LLC pursued Mejia for the debt of $1,000 for 15 months after she received the first notice despite her constant argument that it was not her debt. In a written statement to KCUR, Mejia said, “The lawsuit terrified me.” One of Mejia lawyers, Gina Chiala, stated “Among consumer lawyers, they are known to be very aggressive in litigation and to not stop; even when they’re wrong, they’re just not going to stop.” Portfolio Recovery Associates LLC claims they dropped the lawsuit against Maria for the credit card debt when the supposedly realized the mistake, but this action was taken after Chiala’s law firm filed a countersuit.