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Dispute Portfolio Recovery Associates

Know your FDCPA rights against Portfolio Recovery Associates. Below are their most common violations and proven dispute strategies.

Common FDCPA Violations

Filing lawsuits on time-barred debt
Adding unauthorized fees to original balance
Calling outside permitted hours

Dispute 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

Dispute Portfolio Recovery Associates by State

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Your Rights Under the FDCPA

  • Right to demand debt validation within 30 days (15 USC § 1692g)
  • Right to cease communication in writing (15 USC § 1692c)
  • Right to sue for $1,000 statutory damages per violation
  • Right to recover attorney fees if collector violates FDCPA
Dispute Portfolio Recovery Associates Now — $9.99/mo

DebtShield auto-generates FDCPA demand letters citing Portfolio Recovery Associates violations