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.

Ohio/Portfolio Recovery Associates/Credit Card Debt

Dispute Portfolio Recovery Associates Credit Card Debt in Ohio

Portfolio Recovery Associates is collecting credit card debt in Ohio where the statute of limitations is 6 years. Average credit card debt: $5,221. Garnishment limit: 25% of disposable earnings.

6 years

Statute of Limitations

$5,221

Average Credit Card Debt

25% of disposable ea

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 debt validation under FDCPA § 1692g
  • Dispute billing errors under FCBA within 60 days
  • Check if debt exceeds statute of limitations
  • Negotiate settlement at 40-60% of balance
  • File CFPB complaint if collector violates FDCPA

Ohio Protections

Ohio Consumer Sales Practices Act. File complaints with: AG Consumer Protection.

  • • CSPA provides additional remedies
  • • 8-year SOL on written contracts (longer than most)
Ohio LawsPortfolio Recovery AssociatesCredit Card Debt
Dispute Now — $9.99/mo