Debt happens.
So can recovery.

If you have been contacted by us, you have flexible options. Let’s start your recovery now.
Debt happens.
So can recovery.
If you have been contacted by us, you have flexible options. Let’s start your recovery now.

A respected name in debt collection.

Certified by RMAi

ACA Member since 1997

See how it works, and how we can help.

Mobile image with PRAPay.com account page

See how it works, and how we can help.

View your account information
Sign in to see important information about your account such as the original creditor, the account balance as well as options to resolve the debt.
Get repayment options
After you sign in we can show you repayment options – which may include savings offers on your account.
Choose a plan that's right for you
Payment plans can start at just $5 a month. Sign in to see the choices available to you.

It's easy to set up a plan that works for you.

Get an idea of what your payments could be with our sample calculator.

If I owe

$ $$$
SAMPLE
Resolve Debt in 12 Payments

I can afford payment(s) of

$ $500 $$$

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

We treat our customers with fairness & respect.

Get information to help you navigate your debt recovery journey.

Click to open a live chat window Live Chat