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Portfolio Recovery Associates (PRA) is a major debt buyer frequently sued for aggressive, illegal collection tactics. The Consumer Financial Protection Bureau (CFPB) fined them over $24 million in 2023 for violating previous orders, including suing over time-barred debt, using false affidavits, and failing to verify debt. Consumers sued by PRA should respond to avoid default judgments, which can lead to wage garnishment
August 15, 2026