Dealing with persistent debt collection calls can be overwhelming, especially when those calls cross the line into harassment. The Consumer Law Firm Centre is committed to helping individuals stand up to aggressive collection agencies like PRA Receivables Management. If you’re receiving repeated phone calls, threats of wage garnishment, or contact outside legal hours, you may be experiencing violations of your consumer rights. Understanding those rights is the first step toward stopping the harassment—and the Consumer Law Firm Centre is here to guide you every step of the way.
Who Is PRA Receivables Management?
PRA Receivables Management, based in Lake Forest, California, is a third-party debt collector known for purchasing charged-off consumer debts from original creditors. Once a debt is sold, companies like PRA take over the collection process. Unfortunately, PRA has a track record of facing thousands of federal lawsuits due to alleged abusive and unlawful practices. Their tactics have included calling outside legally allowed hours, threatening legal action, contacting family members, and misrepresenting the nature of the debt—all of which may violate the Fair Debt Collection Practices Act (FDCPA).
When Phone Calls Turn Into Harassment
If PRA Receivables Management is calling you multiple times per day, using threatening or abusive language, or discussing your debt with others, you may be a victim of debt collection harassment. The Consumer Law Firm Centre advises all consumers to document each call, including the time, date, and nature of the conversation. This information serves as critical evidence in a legal claim. The FDCPA prohibits debt collectors from using deceptive, unfair, or abusive practices when trying to collect a debt, and the Consumer Law Firm Centre can help you take action if your rights have been violated.
Know Your Rights Under Federal Law
The FDCPA and the Fair Credit Reporting Act (FCRA) offer powerful protections for consumers. Under the FDCPA, you have the right to:
Request written validation of the debt
Dispute the validity of the debt in writing
Send a cease-and-desist letter to stop further contact
Be free from threats, public shaming, or abusive language
Meanwhile, the FCRA ensures any information reported to credit bureaus by collectors like PRA is accurate. If PRA has listed a debt on your credit report that is incorrect or unverifiable, you can challenge that listing. The Consumer Law Firm Centre can help you navigate the dispute process and advocate for corrections or removals.
Signs of Illegal Collection Tactics
Many consumers are unaware that certain behaviors by debt collectors are illegal. If PRA Receivables Management has engaged in any of the following, it’s time to get legal support:
Calling before 8:00 a.m. or after 9:00 p.m.
Contacting your employer about your debt
Demanding payment for a debt you do not owe
Misrepresenting the amount or nature of the debt
Threatening legal action they do not intend to pursue
The Consumer Law Firm Centre has helped many clients pursue statutory damages—up to $1000—for FDCPA violations, along with coverage of attorney fees.
Handling Credit Report Issues with PRA
When PRA adds a debt to your credit report, it can significantly damage your credit score. The Consumer Law Firm Centre recommends obtaining copies of your credit reports and reviewing them for any accounts listed under PRA Receivables Management. If you discover inaccurate or outdated information, you have the right to dispute it with the credit bureaus and request an investigation. In cases where the debt has been paid, settled, or is invalid, PRA should be required to update or remove the entry. The firm can assist in negotiating pay-for-delete agreements or challenging improper reporting through formal disputes.
Is PRA Receivables Management a Scam?
While PRA is not technically a scam—it is a registered debt collection company—it has faced numerous complaints with the Better Business Bureau. Consumers report misleading tactics, aggressive contact, and failure to verify debts. With over 5400 appearances in federal court, the company’s history highlights the need for consumers to be cautious when contacted by them. If PRA is trying to collect from you, it is essential to verify the legitimacy of the debt before taking any action. The Consumer Law Firm Centre can help you make this determination safely and legally.
How the Consumer Law Firm Centre Can Help
If you're dealing with persistent contact from PRA Receivables Management, the Consumer Law Firm Centre offers the tools, resources, and legal expertise needed to fight back. Our services include:
Stopping illegal collection calls
Filing FDCPA and FCRA violation claims
Negotiating debt settlements or pay-for-delete arrangements
Disputing credit report inaccuracies
Filing complaints with federal agencies on your behalf
You don’t have to tolerate harassment, intimidation, or damage to your credit from a debt collector. The Consumer Law Firm Centre empowers you with legal strategies that restore your peace of mind and protect your financial future.
Take the First Step Toward Ending Harassment
Being hounded by debt collectors like PRA Receivables Management is not only stressful—it can be illegal. If you're receiving unwanted calls from numbers like 800-642-6233 or others associated with PRA, don’t ignore them. Document the contact, understand your rights, and reach out to the Consumer Law Firm Centre for help. With legal protections in place and the right guidance, you can put an end to collection harassment and regain control of your financial wellbeing.
