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


Federal E-Sign Disclosure and Consent Notice

This policy describes how Portfolio Recovery Associates, LLC (“PRA”) delivers communications to you electronically. We may amend this policy at any time by posting a revised version on this website. You agree and consent to receive communications electronically, including but not limited to, notices and disclosures (collectively, “Communications”) that we provide in connection with your PRA account(s) (“Account(s)”). We will provide these Communications to you via this website or by email. Your consent also confirms that you can access these disclosures at any time in electronic form by visiting this website.


Hardware & Software Requirements

In order to access and retain electronic Communications, you will need a computer with an internet connection, and an installed printer if you wish to print them. In order to download and view your documents on your computer, you need to have Adobe Acrobat Reader installed on your computer. You can download Adobe Acrobat Reader here. We will notify you if there are any material changes to the hardware or software needed to receive electronic Communications from PRA by posting them to this website. By giving your consent you are confirming that you have access to the necessary requirement and are able to receive, open, print (if desired) a copy of any Communications for your records. You may print or save a copy of these Communications for your records as they may not be accessible online at a later date.


How to Withdraw Your Consent

You may withdraw your consent to receive Communications electronically by contacting us at 1-800-772-1413. If you fail to provide or if you withdraw your consent to receive Communications electronically, PRA reserves the right to deny your access to this website.


Requesting Paper Copies of Electronic Communications

If, after you consent to receive Communications electronically, you would like a paper copy of a Communication we previously sent you, you may request a copy within 180 days of the date we provided the Communication to you by contacting us at 1-800-772-1413. We will send your paper copy to you by U.S. mail to the address we have on file.


Updating your Contact Information

It is your responsibility to keep your primary email address up to date so that PRA can communicate with you electronically. You understand and agree that if PRA sends you an electronic Communication but you do not receive it because your primary email address on file is incorrect, out of date, blocked by your service provider, or you are otherwise unable to receive electronic Communications, PRA will be deemed to have provided the Communication to you. Please note that if you use a spam filter that blocks or re-routes emails, you must allow senders with the domain extension @portfoliorecovery.com so that you will be able to receive the Communications we send you. You may update your email address by calling us at 1-800-772-1413.