You may have debt, but you also have options.

Managing your recovery starts here.


We know life happens.

And, at times, customers may fall behind on financial commitments. We understand.

If you received a letter or call from us, it means your bank or creditor has made a business decision to sell your debt. The right to collect on your account has been transferred to us, Portfolio Recovery Associates, LLC – the company to which you now owe the debt.

This website will help you understand the process, your options, and—most importantly—how we’re committed to working together to resolve your debt.

We know life happens and at times customers may fall behind on financial commitments.

Debt happens, start your recovery...

Start down the road toward debt resolution by making a payment today.

View your account information and make a payment at PRApay


View your account information and make a payment at PRApay

Pay Online

Hours of Operation

By Phone

1-800-772-1413 Toll-free

Hours of Operation (ET)
Monday–Friday 8am–11pm
Saturday 8am–8pm
Sunday 11am–10pm

Send checks and payments to

By Mail

Send checks and payments to:

Portfolio Recovery Associates, LLC
PO Box 12914
Norfolk, VA 23541
NMLS ID: 934179

Happy Customers!

Excellent service is just one example of PRA, LLC employees making a difference in the lives of our customers every day. By working together to be collectively responsible, we can show every customer how much PRA, LLC cares.


Our company strives to provide professional and courteous service to all of our customers. Chat live Monday-Friday 8 am- 9 pm (ET) or send us an email about any questions or concerns you may have.

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