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Rhode Island/Portfolio Recovery Associates/Utility Debt

Dispute Portfolio Recovery Associates Utility Debt in Rhode Island

Portfolio Recovery Associates is collecting utility debt in Rhode Island where the statute of limitations is 10 years. Average utility debt: $800. Garnishment limit: 25% of disposable earnings.

10 years

Statute of Limitations

$800

Average Utility 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

  • File complaint with state Public Utility Commission
  • Request billing audit and meter verification
  • Apply for utility assistance programs (LIHEAP)
  • Dispute estimated vs actual billing
  • Challenge reconnection fees if disconnect was improper

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 AssociatesUtility Debt
Dispute Now — $9.99/mo