Frequently Asked Questions

Q: What do you mean when you say that time is on your side?

A: Time is on our side because it is also on your side. We know that most people who lose their jobs fall behind in their obligations. But we also know from experience that most people who lose their jobs do get rehired. It’s just a question of time.

In so many instances, the people who receive a Portfolio Recovery Associates telephone call or a Portfolio Recovery Associates letter simply need more time. If you communicate with us in good faith, we will be patient. It’s an investment on our part – the kind of investment that’s very much a part of our business model.

This is a communication from a debt collector.