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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/Montana/Portfolio Recovery Associates
    MT + Debt Collection
    Cancellation: hard

    How to Dispute Portfolio Recovery Associates Charges in Montana

    Montana residents can cite the Unfair Trade Practices and Consumer Protection Act (Mont. Code § 30-14-101) alongside federal FDCPA § 1692g when disputing Portfolio Recovery Associates. Average dispute: $500-5000.

    Private Right of Action

    Yes in Montana

    Treble Damages

    Yes in Montana

    Auto-Renewal Law

    Not enacted

    Medical Billing Protection

    Not enacted

    Common Portfolio Recovery Associates Billing Issues

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

    Montana Legal Strategy vs. Portfolio Recovery Associates

    State Law: Unfair Trade Practices and Consumer Protection Act

    Mont. Code § 30-14-101 prohibits unfair and deceptive practices in Montana. 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 Montana 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 Montana Office of the Attorney General if Portfolio Recovery Associates doesn't respond
    All Montana dispute lawsAll Portfolio Recovery Associates disputes
    Dispute Portfolio Recovery Associates in Montana Now

    AI demand letter citing Mont. Code § 30-14-101 + FDCPA § 1692g from $4.99