Debt repayment done right.

We're Portfolio Recovery Associates, LLC (PRA), and we're changing the way debt collection works.

Debt repayment done right.

We're Portfolio Recovery Associates, LLC (PRA), and we're changing the way debt collection works.
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We believe you have the right to be treated with fairness and respect.

At PRA, we are committed to:
Helping you resolve your account in a way that you can afford
Complying with the Fair Debt Collection Practices Act (FDCPA) and all other applicable federal and state regulations
Providing you with clear and accurate information about your account and the repayment process
Protecting the security and confidentiality of your personal information
Communicating with you with respect, dignity, and transparency at all times

You have rights under federal and state laws that govern debt collection. Here are some helpful resources:

The Consumer Financial Protection Bureau publishes this guide to understanding your rights in debt collection. 

The Federal Trade Commission has a list of FAQs on debt collection  related to the Fair Debt Collection Practices Act.

Our goal is to make debt repayment fair and affordable.

No interest

We will not charge you interest on unsecured debt


No charge

We will not charge you servicing fees nor resell your debt


Account info

We will provide you with the account information you need to help make an informed decision


Reporting

If we are credit reporting your account, it will be considered paid-in-full or paid-in-full for less than the full balance after your final payment is successfully posted. Within approximately 30 days of your final payment successfully posting, we will request the credit reporting agencies delete the PRA tradeline related to your account from your credit bureau report


Confirmation

We will send you confirmation when your debt is resolved

You’ll find payment options to meet any budget:

Pay it off in one payment
Set up a payment plan
Make single payment(s), as low as $5
Mobile image with PRAPay.com account page

You’re in control of how and when you pay:

Customize your plan
Reschedule your payments
Make one-time payments
Pay it all off at any time