Peter Roberts & Associates, Inc. is a Milford, Massachusetts collection agency that works for hospitals, medical and dental practices, and financial institutions. A letter or call from it usually concerns a patient balance or a past-due account with a New England lender.
- Type
- Collection agency
- Also known as
- Peter Roberts & Associates, Inc.; PRA
- Headquarters
- Milford, MA
- Collects
- hospital and medical bills, dental bills, financial institution accounts, professional services bills
- Phone numbers it lists
- (888) 473-6661
- Website
- pracollect.com
33 debt collection complaints were sent to the Consumer Financial Protection Bureau about Peter Roberts & Associates, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is Peter Roberts & Associates?
Peter Roberts & Associates, Inc. (PRA) describes itself as a professional collection agency. Its website gives its address as 231 E. Main Street, Suite 201, Milford, Massachusetts 01757, and its phone as (888) 473-6661. The About page says the agency has helped professional practices and business owners since 1997, names Robert Terrasi as President, and says the company has received the highest rating from the Massachusetts Division of Banks, the state's collection agency regulator, on its audits and exams. It is a member of ACA International. When we checked in November 2026, the site posted a notice that it was having telephone problems and was taking messages and payments online.
Don't confuse this "PRA" with Portfolio Recovery Associates, a much larger debt buyer that uses the same initials.
Why Peter Roberts & Associates May Be Contacting You
The agency's Industries page lists four groups of clients: hospitals, healthcare organizations and private medical practices ("Medical collections is our specialty"); dental practices, including general dentists and specialists such as periodontists and oral surgeons; financial institutions, including what it calls some of New England's leading ones; and professional practices such as accountants and consultants. A Concord Hospital testimonial appears on the About page. So a letter from PRA most likely involves a patient balance from a hospital or practice, or a past-due account with a bank or credit union, often in New England.
How to Check a Debt Peter Roberts & Associates Says You Owe
- Read the validation notice for the name of the provider or lender, the itemization date and the itemized balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
- For a patient balance, get the itemized bill and your insurer's explanation of benefits. PRA's own site says part of what it recovers on self-pay accounts is ultimately paid by third-party payers, so check coverage before paying.
- For a bank or credit union account, compare the amount with your last statement and ask whether the lender still owns it.
- Dispute in writing within the validation period if anything doesn't match; see how to dispute a debt.
- Mind the clock. If you're sued in Texas, most debt claims must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Massachusetts and other states have their own deadlines.
What Peter Roberts & Associates Can and Can't Do
Because it collects debts owed to its clients, PRA is a "debt collector" under 15 U.S.C. § 1692a(6). Among other limits, it:
- May not disclose a medical or dental bill to your employer or family beyond a request for your location (15 U.S.C. § 1692c(b)).
- May not keep collecting a debt you disputed in time until it sends verification (15 U.S.C. § 1692g(b)).
- Is limited to about seven calls in seven days per debt under Reg F's presumption (12 C.F.R. § 1006.14(b)(2)), and may text or email only under Reg F's rules; see texts and emails from collectors.
- Must report a disputed debt as disputed if it reports it (15 U.S.C. § 1692e(8)). Separately, the three national bureaus no longer include paid medical collections or those under $500 (details).
See also whether you can be sued over medical bills in Texas. We did not find a CFPB enforcement action against Peter Roberts & Associates.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If Peter Roberts & Associates or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- Peter Roberts & Associates: home page
- Peter Roberts & Associates: About
- Peter Roberts & Associates: Industries
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: Peter Roberts & Associates, Inc., debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Peter Roberts & Associates has violated any law. Company details change; tell us if something here is out of date.