Portfolio Recovery Associates Utility Debt in Mobile, AL
Portfolio Recovery Associates is collecting utility debt in Mobile. Average: $800. Alabama SOL: 6 years. Garnishment: 25% of disposable earnings.
Known Portfolio Recovery Associates Violations
- • Filing lawsuits on time-barred debt
- • Adding unauthorized fees to original balance
- • Calling outside permitted hours
Dispute Strategies
- • File complaint with state Public Utility Commission
- • Request billing audit and meter verification
- • Apply for utility assistance programs (LIHEAP)
- • Dispute estimated vs actual billing
- • Challenge reconnection fees if disconnect was improper
Tips
- • PRA buys debt for pennies — never pay full amount without negotiating
- • Request the original signed agreement — PRA rarely has it
- • Document every call with date, time, and representative name
- • Utilities must offer payment plans in most states
- • Estimated billing can be challenged with actual meter reads
- • Many states ban winter disconnection for heat