Terms and Conditions

Call Us Now

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 10 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."

Terms & Conditions

Your access to and use of the Portfolio Recovery Associates (PRA) website at www.portfoliorecovery.com is subject to the terms and conditions set forth here and all applicable laws. When you download any materials from this site, you agree to these terms. If you do not agree to them, do not use the site or download any materials from it. We may revise these terms and conditions from time to time by updating the "Legal" section of this website.

All or part of the terms may be superseded by expressly designated legal notices or terms located on particular pages at this site. You should visit this page and our site from time to time to review our current terms and conditions.