Customers

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We're here to help you pay your debt.  Call 800.772.1413 to speak with an Account Representative during the following business hours (ET):

M–F 8 AM to 11 PM
Sat. 8 AM to 8 PM
Sun. 11 AM to 11 PM


PRA LLC account representatives are trained to comply with the Fair Debt Collection Practices Act (FDCPA) and other federal, state and local consumer protection laws.  The FDCPA mandates that we inform you that:

“This communication is from a debt collector and is an attempt to collect a debt.   Any information obtained will be used for that purpose."

Helping You Manage Your Debt

Helping You Manage Your Debt

You might have forgotten about your past-due bill at your former bank, finance company or service provider.  Although they have “charged off” your account as an asset on their company’s books, your debt is still yours and still due.

Your past-due account is now managed by Portfolio Recovery Associates, LLC (PRA LLC). If you’ve received a letter from us, you may be wondering about what happens next. 

You might have had difficulty paying your debt on time.  Perhaps you lost your job or had unexpected medical bills.   In these difficult economic times, we know that while many people are willing to pay their debt, many can’t do so on time.

We’re ready to discuss options that will save you money on your balance-due or help you find an easy way to pay your account off.   Because your financial situation is unique, we may ask you such questions as:   Where are you working now?   What other sources of income do you have?  How much can you afford to pay?

Clear communication between you and PRA LLC is essential to managing your account. If you have yet to talk with us, please give us a call now at 800.772.1413. We will work with you to find an affordable payment plan that meets your needs, within your household budget, and on your time schedule until you pay off or settle your debt. We don't sell our customer accounts to any other collector.

Help us better understand your situation.   Because we’ve worked with many customers who have been through similar financial situations, we know how to help you resolve your debt.