Predatory Debt Collection Practices: The Case Against Portfolio Recovery Associates

The Fair Debt Collection Practices Act (FDCPA) was enacted to protect consumers from abusive, deceptive, and unfair debt collection practices. However, many debt collection agencies continue to disregard this law and engage in unscrupulous tactics to collect consumer debts. One such company, Portfolio Recovery Associates, LLC (PRA), has been accused of violating the FDCPA in a class action lawsuit filed by Louis Chen. This article will provide an overview of the case and expose PRA's unlawful communication tactics, which have caused harm to countless California residents.

‍

What Did PRA Do Wrong?

The lawsuit alleges that PRA engaged in several unlawful communication tactics when attempting to collect consumer debts. These tactics include:

‍

1. Calls Outside Normal Hours: PRA allegedly made calls to consumers outside the normal hours of 8 am to 9 pm, which is a violation of the FDCPA. This tactic is designed to harass and intimidate consumers, making them more likely to pay the debt, even if they cannot afford it.

2. Attempts to Collect Debts Beyond the Statutory Limitations Period: PRA also attempted to collect debts that were beyond the statutory limitations period, which is the time frame within which a debt can be legally collected. This tactic is particularly egregious, as it attempts to coerce consumers into paying debts that they no longer have a legal obligation to pay.

‍

How Does This Affect Consumers?

PRA's unlawful communication tactics have caused significant harm to California residents. Consumers who have been contacted by PRA may have experienced emotional distress, anxiety, and financial hardship as a result of these tactics. Moreover, PRA's actions undermine the integrity of the debt collection process and create a culture of fear and intimidation.

‍

Stand up if you've been affected

Stop Consumer Harm is a secure platform where you can safely report corporate wrongdoing. We are here for you. Let us know what's happened and we will be right there to support you.

Email Address

Tell us your bit of the story

We've successfully received your secure message

Oops! Something went wrong while submitting the form. Please refresh and try again or email us at support@stopconsumerharm.com

‍

Consumers who have been affected by PRA's unlawful tactics may be entitled to compensation. The lawsuit seeks damages, declaratory, and injunctive relief on behalf of a class of California residents who were contacted by PRA about collecting a consumer debt. If you have been affected by PRA's actions, it is essential to file a claim and join the class action lawsuit.

‍

Conclusion

The case against Portfolio Recovery Associates highlights the need for stricter regulations and enforcement of debt collection practices. Consumers have the right to be treated with dignity and respect, and debt collection agencies must adhere to ethical standards when attempting to collect debts. By exposing PRA's unlawful tactics, this lawsuit sends a clear message to debt collection agencies that they will be held accountable for their actions.

‍

If you have been affected by PRA's unlawful communication tactics, do not hesitate to file a claim and join the class action lawsuit. Together, we can put an end to predatory debt collection practices and ensure that consumers are treated fairly and with respect.