Phoenix, AZ residents: know your rights against Portfolio Recovery Associates. Arizona residents: check your state's statute of limitations and wage garnishment protections before paying any debt collector.
Common Portfolio Recovery Associates Violations
Filing lawsuits on time-barred debt
Adding unauthorized fees to original balance
Calling outside permitted hours
Dispute Tips for Phoenix Residents
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