PRA Receivables Management Phone Harassment?
Is PRA Receivables Management (PRA) calling you? Stop PRA Receivables Management phone harassment Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? If you are being repeatedly called, it is important to document these calls as evidence, especially if the contact feels excessive or harassing. Excessive debt collection calls can constitute harassment, and such actions may be a violation of your rights under state and federal laws. Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop PRA phone harassment. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees.
Is PRA Receivables Management a Scam?
According to the Better Business Bureau website, PRA Receivables Management has been in business for 6 years. PRA Receivables Management is one of several debt collection companies, and it’s important to check the reputation and practices of these companies before engaging with them. There have been 11 complaints filed against PRA with the BBB. For context, Portfolio Recovery Associates is another well-known debt collection company that has also faced scrutiny for its collection practices.
Who is PRA Receivables Management?
PRA Receivables Management is a third party debt collector located in Lake Forest, California. They are one of many collection agencies operating in the U.S. PRA Receivables Management is a debt collection agency, which means they are a company that purchases or collects delinquent debts from original creditors and attempts to recover payment from consumers. In many cases, creditors sell delinquent debts to collection agencies like PRA Receivables Management after a charge-off. Individuals may be subject to collection efforts and complaints if their debts are sold to agencies like PRA. PRA has been a party to a Federal Court case over 5400 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
When disputing a debt with PRA Receivables Management, it is important to request proper documentation to verify the validity of the debt.
🏛️ PRA Receivables Management Address: 10 Orchard #100 Lake Forest, CA 92630
📞 Phone: (800) 642-6233
PRA Receivables Management Collection Tactics
If PRA Receivables Management 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
If debt collectors cross legal boundaries with these tactics, it may be a violation of your rights under laws like the FDCPA and Rosenthal Act.
Negotiating a settlement is also an option to resolve a debt and stop collection activity.
PRA Receivables Management Phone Numbers
Are you receiving any harassing phone calls from any of the following PRA Receivables Management phone numbers?
- 📲 800-642-6233
- 📲 (800) 642-6233
- 📲 8006426233
PRA may be contacting you through these phone numbers. If you are being contacted, it is important to know your rights and how to respond to debt collectors. If the answer is yes, then you are receiving calls from a known PRA number. You may be a victim of PRA phone harassment. The list above is not all the phone numbers that PRA uses. The calls can be from different numbers and it still be PRA Receivables Management contacting you. Contact our office right away so we can start the process to stop PRA from calling you illegally. Above all, no one should live with harassment!
Understanding Your Rights When Dealing with PRA Receivables Management
When you’re contacted by PRA Receivables Management, it’s important to remember that you have rights as a consumer under federal laws. The Fair Debt Collection Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are designed to protect you from unfair or abusive debt collection practices. As a consumer, you have the right to dispute any debt PRA Receivables Management claims you owe, and you can request written validation of the debt before making any payments. If you feel overwhelmed by collection calls, you can send a cease and desist letter to PRA Receivables Management to stop further contact. Additionally, you have the right to negotiate a payment plan that fits your financial situation, rather than feeling pressured to pay the total amount immediately. If you believe PRA Receivables Management has violated your rights, you can file a complaint with the Federal Trade Commission or the Better Business Bureau. Understanding these rights empowers you to take control when dealing with a third-party debt collector and ensures you are protected throughout the debt collection process.
Federal Regulations and Laws Protecting Consumers
Federal laws such as the FDCPA and FCRA are in place to ensure that debt collectors like PRA Receivables Management follow fair and ethical practices. The FDCPA prohibits debt collectors from using harassment, threats, or deceptive tactics when attempting to collect a debt. This means PRA Receivables Management cannot call you excessively, use abusive language, or share information about your debt with others. The law also requires that you receive a written notice detailing the amount owed, the original creditor, and your rights as a consumer. Meanwhile, the FCRA ensures that any information PRA Receivables Management reports to credit bureaus is accurate. If you find inaccurate information on your credit report, you have the right to dispute it and request corrections. By knowing these protections, you can confidently address any collection activity and ensure that your rights are not violated by PRA Receivables Management or any other collection agency.
Credit Report Disputes and Removals Related to PRA Receivables Management
If PRA Receivables Management has contacted you or placed a collection account on your credit report, it’s crucial to review your credit file for accuracy. Check that the debt amount, dates, and status are correct. If you spot any inaccurate information, you can file a dispute with the credit bureaus to have it investigated and corrected. If the debt is invalid, paid, or settled, you can request that PRA Receivables Management update or remove the collection account from your credit report. Keep in mind that simply paying or settling a debt does not guarantee immediate removal from your credit report; you may need to negotiate a pay-for-delete agreement or wait for the collection account to age off, which typically happens seven years from the original delinquency date. Staying proactive about your credit report helps protect your credit standing and ensures that only accurate information is reported by PRA Receivables Management.
Seeking Help and Support for PRA Receivables Management Issues
If you’re struggling with harassing calls or inaccurate reporting from PRA Receivables Management, you don’t have to face it alone. Start by filing a complaint with the Federal Trade Commission or the Better Business Bureau to document your concerns and seek resolution. You may also consider working with a reputable credit repair company or consulting a consumer protection attorney who specializes in debt collection issues. Non-profit credit counseling agencies can provide guidance on managing your debts and negotiating with PRA Receivables Management for better payment terms. Throughout the process, keep detailed records of all calls, letters, and communications, including dates and times, to support your case if you need to escalate the issue. By seeking help and using available resources, you can resolve disputes, protect your credit, and put an end to unwanted collection activity from PRA Receivables Management.
The following is a sample list of complaints filed against PRA Receivables Management in the past and can be found on Pacer.gov.
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. Rather than suffer alone, contact our office to begin the process to stop the PRA Receivables Management 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 harassment from PRA Receivables Management. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 I was getting daily calls from a collection agency that wouldn’t leave me alone—even after I told them I didn’t owe the debt. I found Consumer Rights Law Firm PLLC online, and I’m so glad I did. They stepped in immediately, sent out legal notices, and the calls stopped within days. They even helped me win a $1,000 settlement! Highly recommended if you’re being harassed.
- 🏆 The team at Consumer Rights Law Firm was incredible. They were very clear about my rights, walked me through every step, and handled all communication with the debt collectors. I went from feeling overwhelmed and powerless to completely in control. Best of all—they got me compensation for the harassment I endured.
- 🏆 I was hesitant to hire a lawyer, thinking I couldn’t afford it, but Consumer Rights Law Firm PLLC worked on a contingency basis, which meant I didn’t pay a dime unless we won. And we did! I was awarded damages for all the robocalls I received. Their team is kind, responsive, and really fights for you.
- 🏆 I thought I had no options when the collectors kept calling me at work. It was embarrassing and stressful. Consumer Rights Law Firm PLLC took my case seriously from day one. They filed complaints, took legal action, and in the end, I received justice—and peace. Don’t hesitate to contact them if you’re being harassed.
FAQs
Who is PRA Receivables Management and why are they calling me?
PRA Receivables Management, also known as PRA Group or Portfolio Recovery Associates, is a legitimate debt collection company that purchases defaulted debts and contacts consumers to collect payment.
Is PRA Receivables Management a scam or real debt collector?
PRA is a real, large debt collection company operating nationwide. However, it has faced complaints and enforcement actions related to abusive or unlawful collection practices, so consumers should verify all debts.
What constitutes phone harassment by PRA under the FDCPA?
Harassment may include repeated phone calls, calling before 8 a.m. or after 9 p.m., using threats or abusive language, or contacting third parties about your debt without permission.
How many calls from PRA is considered harassment?
If PRA calls more than seven times within seven days, or contacts you again within seven days after a previous call about the same debt, it may violate federal debt collection rules.
Can PRA call me at work or contact my family about my debt?
No. If you tell PRA not to call you at work, they must stop. They also cannot disclose your debt to family members, coworkers, or neighbors.
Can PRA threaten to arrest me, garnish wages, or sue me?
PRA cannot threaten arrest or wage garnishment unless such action is lawful and intended. False threats or lawsuits filed after the statute of limitations has expired are illegal.
What should I do if PRA keeps calling or calls harassingly?
You should document each call, send a written cease-and-desist letter, and request debt validation. Continued harassment can be reported to regulatory agencies or addressed through legal action.
Can PRA report debts to credit bureaus or affect my credit score?
Yes. PRA may report delinquent debts to credit bureaus, which can negatively affect your credit score. Inaccurate reporting can be disputed.
Can I sue PRA Receivables Management for harassment?
Yes. If PRA violates the FDCPA or TCPA, you may be entitled to statutory damages, actual damages, and attorney fees.
Does PRA use robocalls or spoofed phone numbers?
Many consumers report receiving robocalls or calls from spoofed or unfamiliar numbers. Unconsented robocalls may violate the Telephone Consumer Protection Act.
