The questions we are asked the most are listed here for you. If for any reason you need further assistance, please contact us so we may help.

Agent here to assist

This communication is from a debt collector and is an attempt to collect a debt. Any information obtained will be used for that purpose.


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 more than 5,000 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.

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.

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.

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.

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.

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

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.

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.

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