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This web site is provided by and for a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.

COMPANY ADDRESS: Portfolio Recovery Associates, LLC. 120 Corporate Blvd., Norfolk, VA 23502
DISPUTES CORRESPONDENCE ADDRESS: PRA Disputes Department, 140 Corporate Blvd., Norfolk, VA 23502
HOURS OF OPERATION: 7:30 AM – 11 PM, Mon – Fri., 8 AM – 5 PM Sat., 2 PM to 9PM Sun. (EST).
TOLL-FREE TELEPHONE NUMBER: 1-800-772-1413
CREDIT CARD TRANSACTION FEES: Third party vendors may charge a transaction fee for processing payments made by credit card; however, PRA does not charge or accept any fees.
PRIVACY NOTICE: We collect certain personal information about our customers from the following sources: (a) information we receive from them, (b) information concerning their transactions with us, our affiliates, or others and (c) information we receive from consumer reporting agencies. We may disclose the following kinds of nonpublic personal information about our customers: (a) information we receive from our customers, such as names, addresses and social security numbers; (b) information about our customers’ transactions with our subsidiaries, affiliates or others, such as their account balance, payment history, parties to account transactions, and account usage; and (c) information we receive from a consumer reporting agency, such as credit histories.

We do not disclose any non-public personal information about our customers or former customers to anyone, except as permitted or required by law.

To maintain security of customer information, we restrict access to your personal and account information to persons who need to know that information. We also maintain physical, electronic, managerial and procedural safeguards to protect the privacy of your personal information and account information. We use software programs to create summary statistics, which are used for such purposes as assessing the number of visitors to the different pages of our website. Your personal information is not revealed in these summaries. We urge you to take every precaution to protect your personal data when you are visiting our website. We request that you never allow anyone else to have access to your personal account information or leave your computer unattended while visiting our website. By using this site or providing us with your personal contact information such as address, telephone number, mobile telephone number or email address you agree that we may contact you by any method provided us, including by an automated dialing device.

Contact us via the e-mail address given on our website to verify information or opt out from receiving any future contact from us. If you feel that we are not abiding by this privacy policy, you should contact us immediately via telephone at (888) 772-7326, or via e-mail.

NOTICE: If your account is eligible to be reported to the credit reporting agencies by our company, we are required by law to notify you that a negative credit report reflecting on your credit records may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligation. We are required under state law to notify consumers of the following rights. This list does not include a complete list of rights consumers have under state and federal laws:
CALIFORNIA: The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.gov. Nonprofit credit counseling services may be available in the area.
COLORADO: Office located at 4600 South Syracuse Street, Suite 938, Denver, CO 80237. Telephone 1-866-508-4751.
FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE www.coloradoattorneygeneral.gov/ca. A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt.
MAINE: Telephone number at licensed location is (800)772-1413. Hours of operation at licensed location are 7:30 AM – 11 PM Monday through Friday, 8 AM – 5 PM Saturday, and 2 PM – 9 PM Sunday (EST).
MASSACHUSETTS: Office located at 49 Winter St., Weymouth, MA 02188. Telephone: (800) 772-1413; Hours of operation are9 AM to 6 PM Monday through Thursday (EST). NOTICE OF IMPORTANT RIGHTS: YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE DEBT COLLECTOR.
NEW YORK CITY: City of New York License Numbers:1096994, 1394695, 1394697, 1394696, 1394698, 1394700, 1394699, 1394694
NORTH CAROLINA: Collection Agency Permit No. 4132.
TENNESSEE: This collection agency is licensed by the Tennessee Collection Service Board of the Department of Commerce and Insurance. (#00000770)