DebtShield
PricingPro PlatformBlogCompare
Log inGet Started

Product

PricingPro PlatformBlog

Suite

DebtShieldDisputeAISubScrub

Features

Credit Card DisputesSubscription RecoveryZombie SubscriptionsBank Fee DisputesMedical Bill Disputes

Resources

How-To GuidesState LawsFAQCompare

Legal

Terms of ServicePrivacy PolicyBlog

From the Pointify Travel Technologies suite:

DisputeAI — Billing DisputesSubScrub — Cancel Subscriptions
DebtShield

© 2026 Pointify Travel Technologies LLC. All rights reserved.

The flagship debt recovery platform.

Arkansas
ARPortfolio Recovery Associates

Dispute Portfolio Recovery Associates in Arkansas

Your Arkansas rights against Portfolio Recovery Associates: SOL is 5 years for credit card debt. Garnishment capped at 25% of disposable earnings.

5 years

Arkansas credit card SOL

AR Deceptive Trade Practices Act

State collection law

Common Portfolio Recovery Associates Violations

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

Arkansas Dispute Tips vs Portfolio Recovery Associates

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

Arkansas Protections

DTPA allows treble damages for willful violations
$2,500 personal property exemption

Arkansas Debt Laws

All protections in Arkansas

Portfolio Recovery Associates Overview

All violations & tips

Dispute Portfolio Recovery Associates in Arkansas — $9.99/mo