Dispute Portfolio Recovery Associates Medical Debt in New Jersey
Portfolio Recovery Associates is collecting medical debt in New Jersey where the statute of limitations is 6 years. Average medical debt: $2,459. Garnishment limit: 10% of gross income (if earning <250% FPL).
6 years
Statute of Limitations
$2,459
Average Medical Debt
10% of gross income
Garnishment Limit
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
New Jersey Protections
NJ Consumer Fraud Act. File complaints with: AG Consumer Protection.