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.

New York
NYPortfolio Recovery Associates

Dispute Portfolio Recovery Associates in New York

Your New York rights against Portfolio Recovery Associates: SOL is 6 years for credit card debt. Garnishment capped at 10% of gross income or 25% of disposable.

6 years

New York credit card SOL

NY General Business Law § 601 + NYC Consumer Protection Law

State collection law

Common Portfolio Recovery Associates Violations

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

New York 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

New York Protections

90% of wages exempt from garnishment
Strong city + state consumer protection
Debt collectors must be licensed

New York Debt Laws

All protections in New York

Portfolio Recovery Associates Overview

All violations & tips

Dispute Portfolio Recovery Associates in New York — $9.99/mo