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From the Pointify Travel Technologies suite:

SubScrub — Cancel SubscriptionsDebtShield — Debt Recovery
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© 2026 Pointify Travel Technologies LLC. All rights reserved.

Part of the DebtShield family of products.

    States/Texas/Portfolio Recovery Associates
    TX + Debt Collection
    Cancellation: hard

    How to Dispute Portfolio Recovery Associates Charges in Texas

    Texas residents can cite the Deceptive Trade Practices — Consumer Protection Act (Tex. Bus. & Com. Code § 17.41) alongside federal FDCPA § 1692g when disputing Portfolio Recovery Associates. Average dispute: $500-5000.

    Private Right of Action

    Yes in Texas

    Treble Damages

    Yes in Texas

    Auto-Renewal Law

    Not enacted

    Medical Billing Protection

    Yes in Texas

    Common Portfolio Recovery Associates Billing Issues

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

    Texas Legal Strategy vs. Portfolio Recovery Associates

    State Law: Deceptive Trade Practices — Consumer Protection Act

    Tex. Bus. & Com. Code § 17.41 prohibits unfair and deceptive practices in Texas. 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 Texas 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 Texas Office of the Attorney General if Portfolio Recovery Associates doesn't respond
    All Texas dispute lawsAll Portfolio Recovery Associates disputes
    Dispute Portfolio Recovery Associates in Texas Now

    AI demand letter citing Tex. Bus. & Com. Code § 17.41 + FDCPA § 1692g from $4.99