Your Texas rights against Portfolio Recovery Associates: SOL is 4 years for credit card debt. Garnishment capped at No wage garnishment for most debts.
4 years
Texas credit card SOL
Texas Debt Collection Act + DTPA
State collection law
Common Portfolio Recovery Associates Violations
Filing lawsuits on time-barred debt
Adding unauthorized fees to original balance
Calling outside permitted hours
Texas 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