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Oregon
ORPortfolio Recovery Associates

Dispute Portfolio Recovery Associates in Oregon

Your Oregon rights against Portfolio Recovery Associates: SOL is 6 years for credit card debt. Garnishment capped at 25% of disposable earnings or amount exceeding $254/week.

6 years

Oregon credit card SOL

Oregon Unlawful Debt Collection 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

Oregon 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

Oregon Protections

State act applies to original creditors
$40,000 homestead exemption (single)

Oregon Debt Laws

All protections in Oregon

Portfolio Recovery Associates Overview

All violations & tips

Dispute Portfolio Recovery Associates in Oregon — $9.99/mo