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From the Pointify Travel Technologies suite:

SubScrub — Cancel SubscriptionsDebtShield — Debt Recovery
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Part of the DebtShield family of products.

    States/Illinois/Portfolio Recovery Associates
    IL + Debt Collection
    Cancellation: hard

    How to Dispute Portfolio Recovery Associates Charges in Illinois

    Illinois residents can cite the Consumer Fraud and Deceptive Business Practices Act (815 ILCS 505/1) alongside federal FDCPA § 1692g when disputing Portfolio Recovery Associates. Average dispute: $500-5000.

    Private Right of Action

    Yes in Illinois

    Treble Damages

    Not enacted

    Auto-Renewal Law

    Yes in Illinois

    Medical Billing Protection

    Yes in Illinois

    Common Portfolio Recovery Associates Billing Issues

    Collecting on multiply-sold debt
    Adding unauthorized fees
    Inaccurate credit reporting
    Contacting after cease-and-desist

    Illinois Legal Strategy vs. Portfolio Recovery Associates

    State Law: Consumer Fraud and Deceptive Business Practices Act

    815 ILCS 505/1 prohibits unfair and deceptive practices in Illinois. You can sue directly.DisputeAI cites this statute automatically in your demand letter.

    Federal Laws for Portfolio Recovery Associates

    • - FDCPA § 1692g
    • - FDCPA § 1692c
    • - FCRA

    Tips for Illinois Residents

    • PRA buys debt for pennies — often lacks documentation
    • Always demand validation in writing
    • PRA fined by CFPB for violations
    • Verify statute of limitations
    • File a complaint with the Illinois Office of the Attorney General if Portfolio Recovery Associates doesn't respond
    All Illinois dispute lawsAll Portfolio Recovery Associates disputes
    Dispute Portfolio Recovery Associates in Illinois Now

    AI demand letter citing 815 ILCS 505/1 + FDCPA § 1692g from $4.99