Portfolio Recovery Associates Phone Harassment?

We all don’t like receiving calls from debt collection agencies. Furthermore, the already unpleasant situation is often exacerbated by unethical debt collection agencies who fail to respect your rights in the context of debt collection and adhere to the laws that protect the rights of consumers like you.

A debt collector is anyone who purchases or collects debts on behalf of an original lender or first-party collection agent. They are usually required to step into the picture when a consumer has defaulted on their required debt payments for a lengthy period of time and tasked with performing debt collection services.

Here in the United States, debt collection agencies must be registered before they can be legally allowed to perform collection activities on delinquent debt accounts. This means that they are required to know the rights of the consumers they deal with during the process of debt collection.

The federal Fair Debt Collection Practices Act (FDCPA) was enacted by Congress in 1978 as a response to the ceaseless complaints of abuse and harassment by collection against consumers. Thus, the FDCPA seeks to regulate the conduct of debt collectors by not only defining what ethical conduct during the process of debt collection is but by also making provisions for wronged consumers to get justice for the violation of their rights.

If you suspect that Portfolio Recovery Associates is trampling on your FDCPA  rights, do not hesitate to give us a call immediately on 877-700-5790, and we will be happy to put all our experience to work on your behalf.

To help you understand if Portfolio Recovery Associates is crossing the line or simply doing their job, here is a list of things that debt collectors aren’t legally allowed to do.

What is Portfolio Recovery Associates allowed to do?

  1. Contact you: Debt collection agencies are allowed to contact you. However, they are required to provide: the name of the creditor, the amount you owe, and the name of the collection agency in charge of recovering that debt.
  2. Report you to the credit bureau for excessive delay in payment and delinquency, this can affect your credit score.
  3. Sell your debt: A collector can sell your debt to another collector if they haven’t been able to collect it or sell the remainder if a part of the payment has been made.
  4. Negotiate your debt: Debt collectors buy debts from original creditors at a cheaper rate. This gives them a high-profit margin if they are able to recover what was initially owed. As a result of this, they can be ready to negotiate your debt with you.
  5. Sue you: Yes, a debt collector can take you to court over your unpaid debt. It is absolutely necessary to get legal counsel when this happens and be sure to make an appearance in court, else the collector may win by default.

Dealing with collectors is not always a walk in the park however, it doesn’t have to be a nightmare either. Remember to calmly assess your situation, verify your debt to eliminate the chances of being scammed by fraudsters, and always know your rights. Most importantly seek legal advice from an attorney who specializes in consumer law. You can contact an A+ accredited consumer rights lawyer on 877-700-5790 to get a roadmap to your freedom from debt harassment.

Who is Portfolio Recovery Associates?

Portfolio Recovery Associates, also known as PRA is a third-party debt collector that is currently based out of Norfolk, Virginia. In most but not all cases, PRA buys debt from other companies for pennies on the dollar and then tries to collect the full amount. This type of debt is often very old and so old that it cannot be legally collected. While PRA buys debts and therefore collects on debts that it owns, the company is still required to follow and abide by the Fair Debt Collection Practices Act. As of October 2018, the Better Business Bureau reported 1,461 closed Portfolio Recovery Associates complaints over the previous three years.

Contact Information

Address: 120 Corporate Drive

Norfolk, VA 23502

Phone: (800) 772-1413

Is Portfolio Recovery Associates a Scam?

According to the Better Business Bureau website, Portfolio Recovery Associates has been in business for 23 years. There have been 1426 complaints filed against PRA with the BBB in the last 3 years by dissatisfied consumers. read more about it here: Portfolio Recovery Associates Better Business Bureau

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Portfolio Recovery Associates Phone Numbers

Are you receiving any harassing phone calls from any of the following numbers?

239-642-8598, 678-265-1568, 757-321-6280, 859-918-0780, 800-772-1413, 757-321-6278, 760-849-4216, 469-808-1472, 702-637-7273, 412-884-4940, 404-941-8938, 844-675-3407, 347-394-2384, 347-394-2384, 303-255-5348, 303-255-5348, 800-875-5104, 877-803-0008, 859-635-4142, 321-800-4397, 517-252-6783, 770-599-7290, 954-862-5688, 859-305-1791, 314-450-8080, 702-637-7273, 770-462-2198, (239) 642-8598, (678) 265-1568, (757) 321-6280, (859) 918-0780, (800) 772-1413, (757) 321-6278, (760) 849-4216, (469) 808-1472, (702) 637-7273, (412) 884-4940, (404) 941-8938, (844) 675-3407, (347) 394-2384, (347) 394-2384, (303) 255-5348, (303) 255-5348, (800) 875-5104, (877) 803-0008, (859) 635-4142, (321) 800-4397, (517) 252-6783, (770) 599-7290, (954) 862-5688, (859) 305-1791, (314) 450-8080, (702) 637-7273, (770) 462-2198, 2396428598, 6782651568, 7573216280, 8599180780, 8007721413, 7573216278, 7608494216, 4698081472, 7026377273, 4128844940, 4049418938, 8446753407, 3473942384, 3473942384, 3032555348, 3032555348, 8008755104, 8778030008, 8596354142, 3218004397, 5172526783, 7705997290, 9548625688, 8593051791, 3144508080, 702-637-7273, 7704622198

If the answer is yes, then you are receiving calls from a known PRA number. If you are receiving any form of harassment during these calls, do not hesitate to reach out to a qualified professional at 877-700-5790 for help.

The following is a sample list of complaints filed against Portfolio Recovery Associates in the past year and can be found on Pacer.org.

3:18-cv-01694-RDM James v. Portfolio Recovery Associates

2:18-cv-06447-PSG-AS Garet Abrams v. Portfolio Recovery Associates LLC

1:18-cv-07327-ARR-RER Gross v. Portfolio Recovery Associates LLC

2:19-cv-00164-BHH Tidwell v. Portfolio Recovery Associates LLC

2:19-cv-02086-JTF-cgc Haller v. Portfolio Recovery Associates LLC et al

About Us

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from Portfolio Recovery Associates. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance.

Check out the links below for more information:


Virginia Attorney General

Consumer Finance


Montgomery, Lynch & Associate Debt Collection Harassment?