About debt

Helping our customers understand our debt repayment process, so they can start on their path to recovery.

Every year, millions of people fall behind on their bills for many reasons. Life doesn’t go according to plan, and suddenly debt happens.

If you have an account with Portfolio Recovery Associates, LLC (PRA, LLC), it’s important to know that you have options. We’ve tried to answer some of the most common questions here, but if you don’t find what you’re looking for please see:

How does debt happen?

The basics, including what happens when an account gets 'charged off.'

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How does debt collection work?

An overview of the debt collection process in general and at PRA, LLC.

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How to resolve a debt owed to PRA, LLC?

Everyone’s situation is unique, but here are some steps that may help.

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This content is for informational purposes only and should not be considered legal or financial advice. There may be other resources that also serve your needs and if you have questions about personal finances, please consult a financial advisor.