Portfolio Recovery Associates PRA Phone Harassment does not have to stress you out. Does your phone ring every day, several times per day? Has Portfolio Recovery Associates threatened you legal action? Finally, do you wish there was a way to make the calls stop? You came to the right place. The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, debt collectors must adhere to a certain set of rules when they are pursuing consumers who owe money. If a collector violates the FDCPA, you can sue the collector in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.
Who is Porfolio 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 on. 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.
Possible Illegal Collection TacticsIf Portfolio Recovery Associates (PRA) engages in any of the following tactics, you may have a case:
- Using profanity or abusive language
- Calling you before 8:00 a.m. or after 9:00 p.m.
- Calling you multiple times per week
- Talking to others about your debt
- Calling your workplace
- Threatening to sue you, harm you, or destroy your credit
- Telling you or anyone else that you’ve committed a crime
- Calling repeatedly for the wrong person
- Failing to notify you of your right to dispute the debt
- Trying to collect more than legally allowed