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Rhode Island/Portfolio Recovery Associates/Medical Debt

Dispute Portfolio Recovery Associates Medical Debt in Rhode Island

Portfolio Recovery Associates is collecting medical debt in Rhode Island where the statute of limitations is 10 years. Average medical debt: $2,459. Garnishment limit: 25% of disposable earnings.

10 years

Statute of Limitations

$2,459

Average Medical 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 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

Rhode Island Protections

RI Deceptive Trade Practices Act. File complaints with: AG Consumer Protection.

  • • Very long 10-year SOL for all debt types
  • • First $50 per week of wages exempt
Rhode Island LawsPortfolio Recovery AssociatesMedical Debt
Dispute Now — $9.99/mo