Terms and Conditions

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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

YOU SHOULD READ CAREFULLY THE FOLLOWING TERMS AND CONDITIONS AS THEY GOVERN YOUR ACCESS TO AND USE OF THE PORTFOLIO RECOVERY ASSOCIATES, LLC (“PRA, LLC”) WEBSITE FOUND AT www.portfoliorecovery.com. IF YOU DO NOT AGREE WITH ANY OF THE LISTED TERMS AND CONDITIONS HEREIN, PLEASE DO NOT USE OR OTHERWISE ACCESS THE PRA, LLC WEBSITE OR ANY INFORMATION CONTAINED THEREIN. YOUR USE OF THE PRA, LLC WEBSITE SHALL BE DEEMED TO BE YOUR AGREEMENT TO EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW. ALL OR PART OF THE TERMS AND CONDITIONS HEREIN MAY BE SUPERSEDED BY EXRESSLY DESIGNATED LEGAL NOTICES OR TERMS LOCATED ON PARTICULAR PAGES OF THE PRA, LLC WEBSITE. YOU SHOULD VISIT THIS PAGE AND THE PRA, LLC WEBSITE FROM TIME TO TIME TO REVIEW OUR CURRENT TERMS AND CONDITIONS.
 
LICENSURE AND RESTRICTION ON USE OF MATERIALS:  PRA, LLC grants you with a personal, revocable, limited, non-exclusive, non-transferable, license to use the PRA, LLC Website solely for your personal use and conditioned on your continued compliance with these Terms and Conditions. This limited license terminates automatically, without notice to you, if you breach any of these Terms and Conditions. Upon termination you agree to immediately destroy any printed or downloaded materials or information you obtained from the PRA, LLC Website. You may use the materials and information from PRA, LLC Website for your personal and informational use only. No representation is made as to the completeness or accuracy of the information on the PRA, LLC website. You may print information from the PRA, LLC Website provided that all hard copies contain all copyright and other applicable notices contained in such materials and information. You may not use the PRA, LLC Website (or any part thereof) for any commercial purposes or in any manner which is not permitted by these Terms and Conditions. Without limitation, you agree not to reproduce, re-distribute, sell, publish, broadcast or circulate any information contained in the PRA, LLC Website to anyone, including others in the same company or organization. You may not post content from the PRA, LLC Website to news groups, mail lists, or bulletin boards. You acknowledge and agree that, except as set forth herein, you have no right to modify, edit, alter or enhance any of the materials or information from the PRA, LLC Website in any manner.
 
DISCLAIMER: THE MATERIALS ON THE PRA, LLC WEBSITE ARE PROVIDED "AS IS" WITHOUT ANY EXPRESS OR IMPLIED WARRANTY OF ANY KIND INCLUDING WARRANTIES OF MERCHANTABILITY, NONINFRINGEMENT OF INTELLECTUAL PROPERTY, OR FITNESS FOR ANY PARTICULAR PURPOSE. PRA, LLC further does not warrant the accuracy or completeness of the information, text, graphics, links or other items contained within these materials. PRA may make changes to these materials at any time without notice. Your continued use of the PRA, LLC Website following any such change(s) to such Website will be deemed acceptance of any change to these Terms and Conditions or the PRA, LLC Website.
 
USER ACCEPTANCE AND OBLIGATIONS:  When you download any materials from the PRA, LLC Website, you agree to these Terms and Conditions. If you do not agree to them, do not use the PRA, LLC Website or download any materials from it. We may revise these terms and conditions from time to time by updating the "Terms and Conditions" section of this website.
 
PROPRIETARY RIGHTS:  All content of the PRA, LLC Website including all designs, artwork, text, images, photos, information, are owned and controlled by PRA, LLC. Any rights granted by the terms and conditions herein are expressly licensed.  PRA, LLC does not, by allowing you to use the PRA, LLC Website, imply any right to you or anyone else and does not transfer or assign any ownership in any part of the Website to you or anyone else. The PRA, LLC Website is  Copyright © 2017 Portfolio Recovery Associates, LLC. PRA, LLC and its logo designs and all other names and logos identifying PRA, LLC and its products and services are proprietary trademarks of PRA, LLC and any use thereof without the express written permission of PRA, LLC is strictly prohibited.
 
LIMITATION OF LIABILITY: IN NO EVENT SHALL PRA, LLC BE LIABLE FOR ANY DAMAGES WHATSOEVER (INCLUDING, WITHOUT LIMITATION, DAMAGES FOR LOSS OF PROFITS, BUSINESS INTERRUPTION, LOSS OF INFORMATION) ARISING OUT OF THE USE OF OR INABILITY TO USE THE MATERIALS, EVEN IF PRA HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Some jurisdictions prohibit the exclusion or limitation of liability for consequential or incidental damages, therefore the above limitation may not apply to you.
 
LINKS TO OTHER SITES: The PRA, LLC Website site may from time to time include links to other websites which are not under PRA, LLC control. These links are provided for your information and convenience only and are not an endorsement by PRA, LLC of the content of such linked websites or third parties. PRA, LLC expressly disclaims any and all responsibility for the content or availability of any linked site or any link contained in a linked site. We may terminate any link or linking program at any time. When you access any of the third party sites linked to this site, you do so at your own risk.
 
APPLICABLE LAWS: The materials in the PRA, LLC Website are presented solely for the purpose of providing information on PRA, LLC to those located within the United States. PRA, LLC controls this site from our offices located within the United States of America. We make no representation that materials in the site are appropriate or available for use in other locations. Those who access this site from other locations do so on their own initiative and are responsible for compliance with applicable local laws. Any claim relating to the materials herein shall be governed solely by the internal laws of the Commonwealth of Virginia without regard to the choice or conflicts of law provisions of any jurisdiction. You hereby consent to such exclusive and personal jurisdiction and venue for the resolution of all disputes arising from or related to these Terms and Conditions and/or your use of the PRA, LLC Website.