Are you getting calls from debt collectors first thing in the morning and late at night? Do they call you names and threaten to have you arrested for not paying your bills? This type of treatment would upset anyone, which is why there are laws in place to protect you.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, restricts what a collection agency can do to collect money from you. Any debt collectors that use these types of abuses to harass you into paying have broken the law and can face serious consequences.
- Threatening action they are not in a position to legally take
- Failing to report a debt as disputed to the credit bureaus
- Calling you outside of the hours of 8:00 a.m. to 9:00 p.m. in your time zone
- Phoning your friends and family and telling them that you’ve committed a crime
- Demanding amounts not supported by law or the original creditor agreement
- Using an auto-dialer to send nonstop calls to your phone
Company Profile: PRA Receivables Management, LLC
If you are being called by PRA Receivables Management, LLC, a general overview of the company history and operation is below.
PRA Receivables Management, LLC is a debt collection agency in Norfolk, Virginia, with offices across the country. It opened for business in 2013, has over 1400 employees, and is managed by its CEO, Steven D Fredrickson.
The company has a B- rating with the Better Business Bureau. Records viewable at the PACER website confirm that consumers who believed that they were being harassed by PRA Receivables Management, LLC refused to pay.
Alleged Violations against PRA Receivables Management, LLC
According to PACER, between September 2013 and December 2013, PRA Receivables Management, LLC allegedly called a California consumer on a frequent and harassing basis to collect an auto loan debt.
He complained that collectors, including individuals identifying themselves as “Matthew”, “Georgia” and “Mark”, called him multiple times a day, on a near-daily basis. He added that when he received these calls, he saw a tow truck driving past his home and then received a call from a tow truck operator stating
“I heard you wanted to turn your car in.”
On another occasion, when he was at the hospital with his wife, he allegedly received a call. When he said that he couldn’t talk right now and why, the caller allegedly replied that “people have bigger problems than that.”
Feeling harassed by PRA Receivables Management, LLC, the consumer sued the agency for these alleged violations of the FDCPA:
- Harassing him by phone
- Using false, deceptive, and misleading means to collect a debt
- Using harassing and abusive means to collect a debt
- Using unfair and unconscionable means to collect a debt
The matter was later settled.
Hire an Attorney
The phone numbers for this debt collection agency are:
When they appear on your caller ID, it means that you are being called by PRA Receivables Management, LLC. If they use threatening and abusive language and call you relentlessly, they have violated the FDCPA, so hire a consumer attorney and file a claim against PRA Receivables Management, LLC.
If you win, you could receive $1,000 per violation plus attorney fees, so take action when you know that you’re in the right.
Case taken from PACER (pacer.gov). File number is Case 8:14-cv-01178-ODW-VBK from the United States District Court for the Central District of California.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against PRA Receivables Management, LLC or any other third-party collection agency, you may not be entitled to any compensation.