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Pennsylvania/Portfolio Recovery Associates/Medical Debt

Dispute Portfolio Recovery Associates Medical Debt in Pennsylvania

Portfolio Recovery Associates is collecting medical debt in Pennsylvania where the statute of limitations is 4 years. Average medical debt: $2,459. Garnishment limit: No wage garnishment for most debts.

4 years

Statute of Limitations

$2,459

Average Medical Debt

No wage garnishment

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

Pennsylvania Protections

PA Fair Credit Extension Uniformity Act. File complaints with: AG Consumer Protection.

  • • NO wage garnishment for most consumer debts
  • • Short 4-year SOL
  • • Treble damages under UTPCPL
Pennsylvania LawsPortfolio Recovery AssociatesMedical Debt
Dispute Now — $9.99/mo