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Who is Portfolio Recovery Associates, LLC?

We know life happens.

And, at times, customers may fall behind on financial commitments. We understand.

If you received a letter or call from us, it means your bank or creditor has made a business decision to sell your debt. The right to collect on your account has been transferred to us, Portfolio Recovery Associates, LLC – the company to which you now owe the debt.

This website will help you understand the process, your options, and—most importantly—how we’re committed to working together to resolve your debt.

debt collection letter

Who is Portfolio Recovery Associates, LLC?

Portfolio Recovery Associates, LLC (PRA, LLC) was founded in 1996 and is one of the nation’s largest debt collectors. PRA, LLC is a subsidiary of PRA Group, Inc.—a publicly traded (Nasdaq: PRAA) company employing close to 4,000 people across the Americas and Europe.

Since its inception, PRA, LLC has been focused on the highest levels of compliance with the laws and regulations that govern our industry. We offer our customers solutions for resolving their debt with a focus on treating customers fairly and with respect. We don’t charge junk fees. We don’t sell our customer accounts to anyone else. We are committed to helping our customers resolve their outstanding debt and design a payment plan that fits their budget.

I received a call or letter from PRA, LLC. What do I do?

If you received a phone call or letter from us, please reach out to us. The sooner you do, the sooner we can help. The more we know about your situation, the more we can help you. Have you lost your job? Have you had unexpected medical bills? Once we understand the issues you may have experienced, we can help you work out comfortable terms for repayment.

What if I don’t want to talk?

No problem. Most of our customers can view their account information online from their computer or mobile device anytime at PRApay.com. There you’ll find the same important information as on your customer letter such as the original creditor, seller, merchant, account balance, account offers, and more.

Why do I still owe the money if I didn’t borrow from you in the first place?

The bank or credit card company that you borrowed from decided they no longer wanted to try to collect the debt, and they made a business decision to sell your debt to us. The right to collect on your account has been transferred to Portfolio Recovery Associates, LLC. We are committed to working together to help you resolve your outstanding obligation and to design a payment plan that fits your budget.

Why is PRA, LLC attempting to collect my debt when they’re not the original lender?

When banks, credit card companies, and other creditors are unable to collect on an unpaid loan or purchase, they may hire a collection agency to collect on their behalf, or they may sell those debts to companies like PRA, LLC. The debt is still yours, and it is still due. The right to collect on your account has been transferred to us, Portfolio Recovery Associates, LLC. Our goal is to work collaboratively to help you resolve your debt in a way that is manageable for you.

Paying your bill is easy...

Choose the best option for you, and start down the road toward debt resolution by making a payment today.

Introducing PRApay

Access your account from your computer or mobile device at PRApay.com. You'll find the same important account information as on your customer letter, such as the original creditor, seller, merchant, account offers, and more.

  • View your account balance
  • See your debt resolution options
  • Make a payment
  • Set up a custom payment plan
  • View scheduled payments
  • Update contact information

How do I make a payment to Portfolio Recovery Associates, LLC?

We offer a variety of options to make payment as easy and convenient as possible.

Online: Make a payment and view your account information from your computer or mobile device anytime at PRApay.com.

By Phone: Call an Account Representative toll-free at 1-800-772-1413 during our hours of operation:
Monday–Friday 8am–11pm EST
Saturday 8am–8pm EST
Sunday 11am–10pm EST

By Mail: Or, you may send checks and payments to:
Portfolio Recovery Associates, LLC
PO Box 12914
Norfolk, VA 23541

What information is available on my account online at PRApay.com?

At PRApay.com, you can find the same important information as on your customer letter, such as the original creditor, seller, merchant, account balance, account offers, and more.

I’m ready to make a payment on PRApay.com. What do I do now?

After you are successfully logged into your account at PRApay.com, follow the prompts to make an easy and convenient payment online anytime. Based on your account status, you can choose from one or more payment options and submit corresponding payment via checking/savings account or debit card. Please note that PRAPay.com does not accept payments for less than $5.00.

How do I login to my account at PRApay.com?

You can easily login to access your PRApay.com account by entering the following credentials:

  • Last 4 digits of PRA, LLC account number
  • Last 4 digits of SSN
  • Last name

Don’t have your account number? No problem. Click the “Don’t have your account number to access PRApay.com?” link and login by entering the following credentials:

  • Telephone number
  • Last 4 digits of SSN
  • Last name

I’m having difficulty processing my payment at PRApay.com. What do I do?

If you are having a technical issue or some other difficulty with your payment, please speak with an Account Representative toll-free at 1-800-772-1413 during our hours of operation:

Monday–Friday 8am–11pm EST
Saturday 8am–8pm EST
Sunday 11am–10pm EST

Happy customers!

Excellent service is just one example of PRA, LLC employees making a difference in the lives of our customers every day. By working together to be collectively responsible, we can show every customer how much PRA, LLC cares.

You have blessed me by quite literally going above and beyond to help a stranger when you clearly did not have to. Sometimes in life, it's the small things that mean the most, and I sincerely appreciate your concern for my situation and for your efforts to help me. I will NOT forget you and how you came through for me in my time of need!
Ecstatic customer, Wednesday, December 7, 2016
I must say that you have totally changed my mind about debt collecting. So appreciated your respect and attention.
Pleased Customer, Wednesday, October 26, 2016
I spoke with Sarah about a past due amount. Her patience and understanding were exceptional. An agreement was reached and she left me feeling great about the transaction. Please send her a thank you or at least let her know I appreciated her approach to the situation. My account has been handled by a true collection professional. Thank you.
Delighted Customer, Monday, August 10, 2015

Frequently asked by our customers

Common questions

We're here to help resolve any concerns you may have. Contact us ➜

I have a question about my account.

If you have received a letter or a notice and have a question, please speak with an Account Representative toll-free at 1-800-772-1413 during our hours of operation.

I believe PRA, LLC is calling the wrong person.

If you believe PRA, LLC is calling you in error, please speak with an Account Representative toll-free at 1-800-772-1413 during our hours of operation.

What do I do if I have filed for bankruptcy?

If you or someone else who is included on the account have filed for bankruptcy, notify us or have your attorney notify us immediately by calling toll-free at 1-800-772-1413 during our hours of operation.

Please have the following information available when you call:

  • Attorney’s name
  • Attorney’s phone number
  • Attorney’s address
  • Bankruptcy case number

Or you can send your correspondence to:
PRA, LLC
PO Box 41067
Norfolk, VA 23541-1067

What should I do if you initiate legal action against me?

Unfortunately, we cannot provide you with legal advice; however, you should not ignore such a lawsuit and should respond accordingly and within the timeframes specified in the corresponding paperwork you received.

Does PRA, LLC report to the credit bureaus?

If an account is eligible to be reported, Portfolio Recovery Associates, LLC may report our company’s tradeline for an account to the three major credit reporting agencies for as long as the law permits this reporting.

Are there any resources available to me about managing my finances?

Portfolio Recovery Associates, LLC invites you to visit LifeCents, a free financial literacy website where you can learn more about managing delinquent debt, identifying other financial goals, and taking steps toward improving your financial health. LifeCents modules have been developed by PRA, LLC in partnership with Financial Education & Literacy Advisers (FELA), a leading provider of consumer and financial education programs.

We're here to help.

Contact us

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Call

Dial 1-800-772-1413 to speak with an Account Representative.

Hours of Operation (EST)
Monday–Friday 8am–11pm
Saturday 8am–8pm
Sunday 11am–10pm

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Portfolio Recovery Associates, LLC
120 Corporate Blvd
Norfolk, VA 23502

Portfolio Recovery Associates, LLC
Disputes Department
140 Corporate Blvd
Norfolk, VA 23502