Federal Law30-day statutory window
Stop Portfolio Recovery Associates Debt Harassment
FDCPA (15 U.S.C. § 1692) & CFPB Enforcement Orders
Portfolio Recovery Associates buys delinquent consumer accounts for pennies on the dollar. Force them to provide documentation or dismiss the account under federal debt validation laws.
Estimated Savings
Up to 100% debt reduction
Step-by-Step Checklist
Send Formal Cease Communication Notice
Demand in writing under FDCPA § 805(c) that PRA cease calling your personal or workplace phone numbers.
Demand Chain-of-Title & Balance Itemization
Require proof of the bill of sale transferring the specific account from the original creditor to PRA.
Legal Grounds
- FDCPA § 805(c) right to cease debt collector communications
- FDCPA § 809 debt validation requirements
- CFPB statutory bar on collecting unsubstantiated debt portfolios
Sample Letter Excerpt
I dispute this alleged debt under 15 U.S.C. § 1692g. Demanding full chain of custody documentation proving PRA's legal right to collect on Account #[Number]. All telephone calls are strictly refused; all future communications must be in writing.
Frequently Asked Questions
- Can PRA sue me for old credit card debt?
- Only if the debt is within your state's statute of limitations (typically 3 to 6 years). Threatening to sue on time-barred debt violates federal law.
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