If Peter Roberts & Associates has shown up on your credit report, it could be affecting your credit score. Here’s what to know about who they are, how they operate, and how to get their account removed from your credit report.
Who Is Peter Roberts & Associates?
Peter Roberts & Associates, Inc. (PRA) is a debt collection agency based in Milford, Massachusetts. They work on behalf of other businesses to collect unpaid debts from consumers.
If they appear on your credit report, it means they’ve been hired to collect a debt that has not been paid.
What Types of Debts Does Peter Roberts & Associates Collect?
Peter Roberts & Associates collects debts for businesses across different industries, including:
- Dental practices
- Healthcare providers
- Financial service companies
- Other professional businesses
If you’ve missed payments to one of these types of businesses, they may have sent your account to Peter Roberts & Associates for collection.
Is Peter Roberts & Associates a Legitimate Company?
Yes, Peter Roberts & Associates is a real debt collection agency. They are authorized to collect debts for their clients.
That said, you should always confirm the details before agreeing to pay. Credit reports sometimes include mistakes or outdated information.
How to Remove Peter Roberts & Associates From Your Credit Report
Collection accounts can lower your credit score and stay on your report for up to seven years. But you may be able to remove them sooner by taking the right steps:
- Dispute inaccurate information – If the debt is incorrect or doesn’t belong to you, file a dispute with the credit bureaus.
- Request debt validation – You have the right to ask Peter Roberts & Associates to provide proof the debt is valid.
- Negotiate a pay-for-delete – In some cases, you can offer to settle the debt in exchange for the account being removed from your credit report.
- Work with a credit repair company – Professionals can help challenge negative accounts and guide you through the process.
Ready to Clean Up Your Credit Report?
Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.
Should You Contact or Pay Peter Roberts & Associates?
Before making contact or agreeing to pay, make sure the debt is valid and reported correctly. Some debts may be inaccurate or too old to collect.
Here are some key points to keep in mind:
- Making a payment can reset the time the debt remains on your credit report.
- You can request written proof of the debt before paying.
- Credit repair companies can help you avoid common mistakes and improve your credit.
Can Peter Roberts & Associates Sue You or Garnish Your Wages?
Yes, they can take legal action to collect unpaid debts. If they sue and win, they may be granted a judgment, which could lead to:
- Wage garnishment
- Bank account levies
- Property liens
The steps they can take depend on the laws in your state. Most debt collectors try to arrange a payment plan before pursuing legal action.
Peter Roberts & Associates Contact Information
Address:
Peter Roberts & Associates, Inc.
231 E Main Street, Suite 201
Milford, MA 01757
Phone Number: (888) 473-6661
Complaints About Peter Roberts & Associates
Debt collectors often face complaints, and Peter Roberts & Associates is no exception. Issues reported to the Consumer Financial Protection Bureau (CFPB) and Better Business Bureau (BBB) often include:
- Incorrect information on credit reports
- Harassing phone calls
- Failure to provide debt verification
If you experience any of these problems, you can file a complaint and take action to protect your rights.
Your Rights When Dealing With Peter Roberts & Associates
You have protections under the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA). These laws help protect you from unfair collection practices:
- They cannot report false or incomplete information.
- You can request written proof the debt is valid.
- They cannot harass you, use abusive language, or repeatedly call.
- They must clearly identify themselves as a debt collection agency.
- They cannot threaten jail time for unpaid debts.
Knowing your rights makes it easier to manage collection accounts.
Remove Peter Roberts & Associates From Your Credit Report Today
If dealing with collection accounts feels stressful, you don’t have to handle it alone. Credit Saint has over 15 years of experience helping clients challenge negative entries, including accounts from Peter Roberts & Associates.
They even offer a 90-day money-back guarantee, so you can get started with peace of mind.
Call (855) 281-1510 or visit their website to get started.
Brooke Banks is a personal finance writer specializing in credit, debt, and smart money management. She helps readers understand their rights, build better credit, and make confident financial decisions with clear, practical advice.
