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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/Maryland/Portfolio Recovery Associates
    MD + Debt Collection
    Cancellation: hard

    How to Dispute Portfolio Recovery Associates Charges in Maryland

    Maryland residents can cite the Consumer Protection Act (Md. Code Com. Law § 13-101) alongside federal FDCPA § 1692g when disputing Portfolio Recovery Associates. Average dispute: $500-5000.

    Private Right of Action

    Yes in Maryland

    Treble Damages

    Yes in Maryland

    Auto-Renewal Law

    Not enacted

    Medical Billing Protection

    Yes in Maryland

    Common Portfolio Recovery Associates Billing Issues

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

    Maryland Legal Strategy vs. Portfolio Recovery Associates

    State Law: Consumer Protection Act

    Md. Code Com. Law § 13-101 prohibits unfair and deceptive practices in Maryland. Allows up to 3x damages. 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 Maryland 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 Maryland Office of the Attorney General if Portfolio Recovery Associates doesn't respond
    All Maryland dispute lawsAll Portfolio Recovery Associates disputes
    Dispute Portfolio Recovery Associates in Maryland Now

    AI demand letter citing Md. Code Com. Law § 13-101 + FDCPA § 1692g from $4.99