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Portfolio Recovery Associates a third party debt collector. Although generally I've found their operations to be compliant with the FDCPA, there is always a bad apple in a bunch. As such, if you are getting harassed by Portfolio Recovery Associates, they might even thank you for bringing it to their attention so they can fire that collector. Imagine if that collector is making a hundred out bound calls a day, he is likely violating the FDCPA dozens and dozens of times daily. So, by standing up against that collector you are not only standing up for your rights, helping prevent future consumer from being harassed, and at the same time you are actually helping Portfolio Recovery Associates find their bad apples. Portfolio Recovery Associates Hates Us. Debt Collectors Hate Us. But, they won't hate you!