If you’re being bombarded with calls from Portfolio Recovery Associates (PRA), you’re not alone. Many people find themselves in this frustrating situation when dealing with debt collectors. Here are some steps you can take to address the issue:

1. Know your rights
The Fair Debt Collection Practices Act (FDCPA) protects consumers from harassment by debt collectors. PRA must follow these rules, which include limitations on when and how often they can contact you.

2. Request written validation
Ask PRA to provide written validation of the debt. They’re required to send this within 5 days of initial contact. This will help you verify if the debt is legitimate and still owed.

3. Communicate in writing
Send a certified letter to PRA requesting they stop calling you. Once received, they can only contact you for specific reasons, like informing you of legal action.

4. Consider debt validation
If you believe the debt isn’t yours or has already been paid, send a debt validation letter within 30 days of their initial contact.

5. Explore settlement options
If the debt is valid, consider negotiating a settlement for less than the full amount owed.

6. Seek legal advice
If PRA continues to harass you after you’ve requested they stop, consult with a consumer protection attorney. You may have grounds for legal action.

Remember, ignoring the calls won’t make the issue go away. Take proactive steps to address the situation and regain control of your financial peace of mind.