PRA Group is one of the largest global purchasers of nonperforming loans and has a long-running U.S. consumer debt-buying presence.
- Credit card accounts
- Bank-originated consumer loans
- Purchased charged-off receivables
Verify the collector before using a link or sending payment.
Compare these details against the validation notice, credit report entry, and any payment page before sharing account or bank information.
- Legal name
- Portfolio Recovery Associates, LLC
- Parent company
- PRA Group
- Known aliases
- PRA Group / PRA
- Official website
- https://www.portfoliorecovery.com/
- Consumer portal
- https://www.portfoliorecovery.com/
- Mailing address
- 120 Corporate Blvd, Norfolk, VA 23502
- Last reviewed
- May 20, 2026
If a caller, text, email, or payment site uses different identity details, contact the collector through an official source before responding.
Debt buyer and owner-collector
Who owns the debt changes what documentation, authority, and correction path you should ask for before paying.
Portfolio Recovery Associates is a PRA Group subsidiary, and PRA Group describes its core business as purchasing, collecting, and managing portfolios of nonperforming loans. CFPB identifies Portfolio Recovery Associates as a debt buyer that purchases delinquent or charged-off accounts and then seeks to collect them.
If PRA contacts you, it is generally claiming to collect a purchased account; ask who the current creditor is and who sold or originated the account.
Ask for account-level validation supporting ownership, amount, and enforceability before payment or settlement.
What to know before responding
- PRA accounts are often purchased accounts, so validation should connect the original creditor to the current owner.
- If the debt is old, check both credit-reporting age and lawsuit limitations before discussing payment terms.
Verify before paying.
A legitimate collector can still have the wrong person, wrong amount, stale debt, duplicate placement, or incomplete documentation.
- The collector name, mailing address, phone number, and website against the letter you received.
- The original creditor, current owner or client, account number, balance, and date of last payment.
- Whether the debt is inside your state lawsuit limitations period before making a payment or written promise.
- Whether the account appears on your official credit reports from AnnualCreditReport.com.
- The purchase date, original creditor, and whether the account is being reported by PRA or another entity.
- Whether the account matches the account types commonly associated with Portfolio Recovery Associates: Credit card accounts, Bank-originated consumer loans, Purchased charged-off receivables.