Portfolio Recovery Associates Medical Debt in Trenton, NJ
Portfolio Recovery Associates is collecting medical debt in Trenton. Average: $2,459. New Jersey SOL: 6 years. Garnishment: 10% of gross income (if earning <250% FPL).
Known Portfolio Recovery Associates Violations
- • Filing lawsuits on time-barred debt
- • Adding unauthorized fees to original balance
- • Calling outside permitted hours
Dispute Strategies
- • Request itemized bill with CPT codes
- • Check for No Surprises Act violations
- • Apply for hospital financial assistance
- • Dispute errors line by line
- • Negotiate — hospitals accept 40-60% routinely
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
- • ALWAYS get an itemized bill before paying
- • Nonprofit hospitals must offer financial assistance
- • Medical debt has 365-day credit reporting grace period