Is Peter Roberts & Associates calling you multiple times per day from numbers like (508) 473-6661 or (888) 473-6661? Are they demanding payment on a debt you don’t recognize, can’t verify, or already paid? Have their collectors threatened negative credit reporting, legal action, or wage garnishment to pressure you into paying? Did calls continue even after you told them to stop, or are they contacting your family, employer, or neighbors? If so, you may be entitled to up to $1,000 in statutory damages under federal law and you will never pay our legal fees out of pocket.
Call Consumer Rights Law Firm PLLC at (877) 700-5790for a free case review. We have held an A+ rating with the Better Business Bureau since our founding in 2010, and we operate on a fee-shift basis: if we take your case, the debt collector pays our legal fees, not you. Visit us at Consumer Rights Law Firm PLLC.
Is Peter Roberts & Associates Legit or a Scam?
Peter Roberts & Associates, Inc. is a real, licensed, third-party debt collection agency, not a scam caller or impersonation ring. The Better Business Bureau established a profile for the company in 2006, and state records confirm it has been incorporated and operating since 1997. That said, “legitimate company” and “lawful collector” are not the same thing.
Being a registered business does not give Peter Roberts & Associates the right to call you repeatedly, refuse to verify a debt, contact third parties about your account, or continue contacting you after a written stop request. Federal law governs every one of those behaviors, and documented BBB complaints and federal court cases confirm that consumers have alleged all of them against this company.
One thing consumers often misunderstand is that a company’s legitimacy is not a defense to a harassment claim. In our practice, some of the most aggressive calls we hear about come from licensed, real agencies who simply believe consumers won’t push back. Knowing PRA is real is important but knowing your rights is more important.
Who Is Peter Roberts & Associates?
Peter Roberts & Associates, Inc. (commonly abbreviated as PRA or PRA Collections) is a third-party debt collection agency headquartered in Milford, Massachusetts. The company collects delinquent accounts across multiple industries on behalf of original creditors, primarily healthcare providers, utilities, telecommunications companies, and professional service practices.
| Detail | Information |
|---|---|
| Full Legal Name | Peter Roberts & Associates, Inc. |
| Common Abbreviation | PRA, PRA Collections |
| Founded / Incorporated | 1997 |
| BBB Profile Established | 2006 |
| Headquarters | 231 E. Main Street, Suite 201, Milford, MA 01757 |
| Website | pracollect.com |
| Primary Phone | (508) 473-6661 |
| Toll-Free Number | (888) 473-6661 |
| Key Personnel | Robert E. Terrasi (President/CEO); Robert Harrington (Vice President) |
| Industry Focus | Healthcare, professional services, utilities, telecommunications, retail |
| Business Type | Third-party debt collection agency |
| Annual Revenue (est.) | Approximately $2 million |
| Staff Size (est.) | Approximately 22 employees |
PRA is a smaller, regional collector operating primarily in New England, though it collects accounts from consumers across the United States. Unlike national debt-buying giants, PRA typically collects on behalf of original creditors rather than purchasing portfolios outright meaning the original creditor still owns the debt while PRA is paid a contingency fee to recover it.
Why Is Peter Roberts & Associates Calling Me?
Peter Roberts & Associates is calling because a business that you owe money to or that claims you owe money to them has placed your account with them for collection. The most common reasons consumers receive calls from PRA include:
- An unpaid or past-due medical bill from a hospital, clinic, or physician practice
- A balance from a utility, internet, or telecommunications provider
- A delinquent account with a professional service business such as a dental or legal office
- An account that was in dispute with the original creditor and was sent to collections before the dispute was resolved
- A debt that was already paid but was not properly notated in the original creditor’s system
- A debt that belongs to someone with a similar name or Social Security number (misrouted accounts)
- A debt from a deceased family member whose estate was never properly closed
In our practice, we frequently hear from clients who had no idea an account had gone to collections until PRA called. In some cases, the original creditor never sent a final notice, or the consumer changed addresses. In others, the amount PRA is claiming includes fees, interest charges, or penalties the consumer was never informed of in writing.
If you are not sure what the debt is for, do not pay anything and do not acknowledge the debt verbally. Request written validation immediately. Under the FDCPA, you have 30 days from the first written notice to formally dispute the debt, and PRA must stop collection activity until it provides proper verification.
Peter Roberts & Associates Reviews and Consumer Complaints
The BBB has received multiple complaints against Peter Roberts & Associates, and consumer feedback from the platform reveals clear patterns of disputed debts, failed verification, and unwanted repeated contact.
Source: Better Business Bureau: Peter Roberts & Associates Complaints
Better Business Bureau Complaints
The BBB has closed multiple complaints against PRA over the past several years. The following reflect the types of consumer experiences documented on the platform:
- “I am disputing TWO collection accounts in the amount of $572 from Peter Robert & Associates reported on my credit report. I have no record of this debt, and they have failed to provide proper verification per the Fair Credit Reporting Act (FCRA) and FDCPA. I am attaching a formal dispute letter and requesting this tradeline be removed unless they provide validation in accordance with federal law. This account is misleading, inaccurate, or unverifiable.” BBB Complaint, 2025
- “She recently discovered on her credit report that there was a debt being reported by this Peter Robert’s and Associates from 2020 in the amount of $876.00… To her knowledge she had made a payment arrangement, and has been making payments for a hospital visit she had during Covid in 2020. She is not familiar with this debt, or with Peter Robert’s and Associates and she has never been contacted by Peter Robert’s and Associates either.” BBB Complaint, consumer who discovered collection account on credit report without ever being contacted
- “The account is not mine and I asked them to validate the debt and they couldn’t. I don’t have a contract with Peter Roberts & Associates.” BBB Complaint
Source: Better Business Bureau: Peter Roberts & Associates Reviews
BBB Customer Reviews
Consumer reviews on the BBB profile reflect ongoing frustration with call frequency and lack of responsiveness:
- “Like other reviews about this company, I too, have been constantly contacted by letter and phone for over 6 months. No matter what I tell them, I still get the call and letters.” BBB Review
In our practice, clients tell us variations of this same pattern repeatedly: they inform the collector the debt is disputed or already resolved, and the calls continue unchanged. That persistence calling or sending letters after a consumer has communicated a dispute is exactly the conduct the FDCPA was designed to address.
Peter Roberts & Associates Phone Numbers and Call Patterns
Consumers across the country report receiving calls from the following numbers associated with Peter Roberts & Associates:
Reported Phone Numbers Peter Roberts & Associates May Have Used
The list above is not exhaustive. PRA may contact consumers from other numbers, including local area code numbers or numbers not publicly listed on their profile.
Documented call patterns reported by consumers include:
- Repeated calls over periods of six months or longer, even after verbal stop requests
- Letters and calls arriving simultaneously, without coordinated communication
- Contact continuing despite the consumer informing PRA the debt was disputed or paid
- Calls arriving without identifying the company by name or disclosing the call is for debt collection purposes
Under 15 U.S.C. § 1692d(5), repeatedly calling with the intent to annoy, abuse, or harass is a prohibited practice under the FDCPA. Under 15 U.S.C. § 1692c(c), once a consumer submits a written request to cease contact, PRA may only contact them to confirm the cessation of contact or to notify the consumer of a specific intended legal action. Continuing to call after a written stop request is a violation.
Federal Lawsuits Filed Against Peter Roberts & Associates
Federal court records document multiple FDCPA cases filed against Peter Roberts & Associates, Inc. in the United States District Court for the District of New Hampshire. The following cases are independently verified through CourtListener’s PACER-sourced dockets.
Source:CourtListener Docket: Sears v. Peter Roberts & Associates, Inc.
Case 1: Sears v. Peter Roberts & Associates, Inc.
Case No.: 1:16-cv-00031-JL Court: U.S. District Court, District of New Hampshire Date Filed: January 27, 2016 Official Source:CourtListener Docket: Sears v. Peter Roberts & Associates, Inc.
What Happened: A consumer filed a federal complaint against Peter Roberts & Associates alleging violations of the Fair Debt Collection Practices Act. The case is notable for one specific reason: Consumer Rights Law Firm PLLC, our firm served as counsel of record for the consumer plaintiff. The case was litigated in New Hampshire federal court, where PRA was represented by Devine, Millimet & Branch of Manchester, NH.
Why This Matters: This is not a case we read about in a database. This is a case our attorneys handled directly. We know from that experience that PRA contests FDCPA claims through retained outside counsel meaning that if you bring a valid claim, you are dealing with an organized legal defense. Having an experienced consumer rights attorney on your side from the beginning is not optional; it is essential.
Source: CourtListener Docket: Tucker v. Peter Roberts & Associates, Inc.
Case 2: Tucker v. Peter Roberts & Associates, Inc.
Case No.: 1:20-cv-00006-LM Court: U.S. District Court, District of New Hampshire Date Filed: January 2, 2020 Date Resolved: January 29, 2020 (Voluntary Dismissal following settlement) Presiding Judge: Chief Judge Landya B. McCafferty Official Source: CourtListener Docket: Tucker v. Peter Roberts & Associates, Inc.
What Happened: Consumer Seth Tucker, represented by attorney Rosanna Fox, filed a federal complaint against Peter Roberts & Associates. The complaint attached a collection letter as Exhibit A, which the plaintiff alleged violated the FDCPA. Within weeks of the case being filed, the docket shows that counsel for both parties reached a settlement agreement, and the case was voluntarily dismissed by Judge McCafferty’s endorsed order on January 29, 2020 just 27 days after filing.
Why This Matters: The speed of this resolution settlement within 27 days is a pattern our firm recognizes. In many of the cases we review, debt collectors prefer to resolve FDCPA claims quickly and quietly rather than litigate. When a consumer has strong documentation of a violation, the cost of defense frequently exceeds the cost of settlement. Collectors know this. Many consumers do not. That asymmetry is one reason why filing or threatening to file, a well-documented FDCPA claim changes the dynamic entirely.
Your Legal Rights: FDCPA, TCPA, FCRA, and Massachusetts State Law
- Fair Debt Collection Practices Act (FDCPA): Requires debt collectors to provide written validation within five days, stop collection upon timely dispute, honor cease-communication requests, and avoid harassment, false statements, or unfair practices → Peter Roberts & Associates may violate it by failing to send proper validation notices, continuing to collect after a written dispute, ignoring cease requests, making repeated or excessive calls, or using misleading or threatening language about the debt or legal consequences.
- Telephone Consumer Protection Act (TCPA): Prohibits the use of autodialers, artificial voices, or prerecorded messages to contact cell phones without prior express consent and allows statutory damages per illegal call → PRA may violate it by placing repeated robocalls to mobile numbers, using automated dialing systems without consent, or continuing such calls after consent has been revoked.
- Fair Credit Reporting Act (FCRA): Requires furnishers to report only accurate, complete, and verifiable information to credit bureaus and to properly investigate disputes → PRA may violate it by reporting incorrect balances or accounts, failing to mark debts as disputed, neglecting to investigate disputes, or continuing to report unverifiable or outdated information.
- Massachusetts Consumer Protection Act: Prohibits unfair, deceptive, or abusive business practices and provides additional remedies beyond federal law → PRA may violate it by engaging in deceptive collection tactics, misrepresenting debts, applying undue pressure, or otherwise acting in a manner that would be considered unfair or misleading under Massachusetts consumer protection standards.
FDCPA and TCPA Violations
The following practices are prohibited under federal law. If Peter Roberts & Associates has done any of the following, you may have a valid legal claim:
| FDCPA/TCPA Violation | Federal Statute | Example Conduct |
|---|---|---|
| Excessive or repeated calls | 15 U.S.C. § 1692d(5) | Calling 5+ times per day, calling for months after disputes |
| Failure to disclose collector identity | 15 U.S.C. § 1692e(11) | Not stating they are a debt collector on each call |
| Continuing contact after written stop request | 15 U.S.C. § 1692c(c) | Calling after receiving a cease-and-desist letter |
| Failure to provide debt validation | 15 U.S.C. § 1692g | Refusing to verify the debt upon written request within 30 days |
| Reporting unverified debt to credit bureaus | 15 U.S.C. § 1692e(8) | Furnishing disputed, unvalidated debt to Equifax, Experian, or TransUnion |
| Contacting third parties improperly | 15 U.S.C. § 1692b | Discussing your debt with family members, neighbors, or employers |
| Calling before 8 a.m. or after 9 p.m. | 15 U.S.C. § 1692c(a)(1) | Calls received before or after permissible hours |
| Robocalls or autodials to cell phones without consent | 47 U.S.C. § 227 (TCPA) | Automated calls to a cell phone number |
| False or misleading statements | 15 U.S.C. § 1692e | Threatening lawsuits or garnishment they do not intend to pursue |
| Collecting an amount not authorized by the agreement | 15 U.S.C. § 1692f(1) | Adding fees, interest, or charges not in the original contract |
Note on TCPA: The FCC has confirmed that the Telephone Consumer Protection Act applies to all callers, not just those subject to the FDCPA. President/CEO Robert E. Terrasi of Peter Roberts & Associates has been identified in official FCC filings commenting on TCPA predictive dialer regulations confirming that PRA uses automated dialing technology. If PRA contacted your cell phone using an autodialer without your prior express consent, that is a potential TCPA violation, regardless of whether the underlying debt is valid.
How to Stop Peter Roberts & Associates Calls?
Step 1: Document Every Contact
Starting immediately, write down the date, time, and content of every call from Peter Roberts & Associates. Note the caller’s name if provided, the phone number displayed, and exactly what was said. This documentation is your evidence.
Step 2: Request Debt Validation in Writing
Send a certified mail letter to Peter Roberts & Associates, Inc., 231 E. Main Street, Suite 201, Milford, MA 01757, formally requesting written verification of the debt. Keep a copy and retain the certified mail receipt. Once they receive your written dispute, they must stop collection activity until they verify the debt in writing.
Step 3: Do Not Acknowledge the Debt Verbally
Do not say “I know I owe this” or “I’ll pay something” during any call. Verbal acknowledgment can affect your legal rights and in some states may restart the statute of limitations for a lawsuit to collect the debt.
Step 4: Send a Written Cease-Communication Request
If you want the calls to stop entirely, send a written cease-communication request by certified mail. Under 15 U.S.C. § 1692c(c), PRA must stop all contact except to confirm they are ceasing contact or to notify you of a specific legal action.
Step 5: Check Your Credit Reports
Pull your free credit reports at AnnualCreditReport.com and check whether PRA has placed a collection account on your Equifax, Experian, or TransUnion report. If the debt is inaccurate, disputed, or unverifiable, you have the right to dispute it directly with each bureau.
Step 6: Contact a Consumer Rights Attorney
You do not need to pay an attorney to fight back. Under the FDCPA, the debt collector not you pays attorney fees if your claim is successful. Consumer Rights Law Firm PLLC handles these cases on a fee-shift basis: no cost to you unless we recover on your behalf. Call us at (877) 700-5790 or visit Consumer Rights Law Firm PLLC.
Step 7: File a Complaint with the FTC
File a complaint with the Federal Trade Commission at Report Fraud FTC GOV. FTC complaints help regulators identify patterns and take enforcement action against repeat violators.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Contact a legal professional to stop Peter Roberts & Associates debt collection harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent Peter Roberts & Associates debt collection harassment, call us at (877)700-5790 for immediate assistance or visit our website.
Success Stories
- “I was overwhelmed by nonstop calls and letters from a debt collector, and I didn’t know where to turn. Then I found Consumer Rights Law Firm PLLC. From the very first consultation, they were kind, knowledgeable, and professional. They explained my rights under the FDCPA and immediately took action. Within a few weeks, the harassing calls stopped completely. I finally felt peace of mind after months of stress. I’m beyond grateful for their help!”
- “Consumer Rights Law Firm PLLC truly cares about their clients. They listened patiently to my concerns and treated me with respect during a very difficult time. I was being harassed by a debt collection agency that was using threatening language and calling me at work. The team helped me file a complaint and even got the agency to stop contacting me. I would recommend them to anyone dealing with debt collection harassment.”
- “I was skeptical about contacting a law firm, but Consumer Rights Law Firm PLLC exceeded my expectations. Their team was not only professional but incredibly empathetic. They walked me through every step of the legal process and made sure I understood my options. In the end, they helped me take legal action and even secured a settlement on my behalf. I finally feel like I have control over my life again.”
FAQs
Who is Peter Roberts & Associates and why are they calling me?
Peter Roberts & Associates is a legitimate debt collection agency that purchases delinquent consumer debts and contacts individuals to collect outstanding balances. If they’re calling, it’s because they believe you owe money on a debt they own or service.
Is Peter Roberts & Associates a scam or legitimate?
No, they are a real and legitimate collection agency operating for many years. They are not a scam, though consumers often report aggressive calling tactics.
What counts as harassment by Peter Roberts & Associates?
Harassment includes repeated or excessive calls—more than seven in seven days—calling outside 8 a.m.–9 p.m., using profane language, threatening violence, or calling your workplace after being asked not to.
Can Peter Roberts & Associates legally contact my family, employer, or others?
They may contact third parties only to locate you—not to discuss your debt. They can’t call your employer if you’ve told them not to, and they can’t discuss your debt with family or coworkers.
How can I stop Peter Roberts & Associates from calling me?
Send a written cease-and-desist letter requesting they stop phone contact. Once received, they must cease calls, except to notify you of legal action. Keep all call logs and communications.
Can I request validation of the debt from Peter Roberts & Associates?
Yes, under the FDCPA you have 30 days from their first communication to request a written validation or verification of the debt. They must provide details like original creditor and amount owed.
Can Peter Roberts & Associates affect my credit score?
Yes, they can report your account as in collections to credit bureaus, which negatively impacts your credit score and can stay on your report for up to seven years.
Can I sue Peter Roberts & Associates for harassment?
Yes. If they violate the FDCPA such as by harassing you with repeated calls—you can sue them for statutory damages (up to $1,000), plus any actual damages, legal fees, and costs. Lawsuits must be filed within one year of the violation.
Will sending a goodwill or pay‑for‑delete letter help remove the debt from my credit report?
You can negotiate pay‑for‑delete agreements, but such arrangements aren’t guaranteed. Paid collections still stay on your report for seven years unless explicitly removed. Goodwill letters are rarely accepted by collection agencies.
What should I do if they break the law or call after I’ve asked them to stop?
Document all calls and messages, keep records, and file a complaint with the CFPB, FTC, or your state attorney general. Consider consulting a consumer‑rights attorney to explore legal action.
