Are You Being Harassed by Portfolio Recovery Associates, Inc.?

Portfolio Recovery Associates, Inc.
Portfolio Recovery Associates, LLC (PRA LLC)
120 Corporate Boulevard
Norfolk, VA 23502

Portfolio Recovery Associates is a large debt collection company that specializes in buying delinquent credit accounts, including credit cards, from financial institutions and government clients, and debt from bankruptcies.

The company has its headquarters in Norfolk, Virginia, and says it also operates in Alabama, California, Illinois, Kansas, Nevada, New Jersey, Pennsylvania, Tennessee and Texas. It claims to have more than 35 million customer accounts and 3,500 employees.

Debt collection efforts undertaken by Portfolio Recovery target charged-off accounts bought from:

  • Banks
  • Retailers
  • Credit unions
  • Consumer and auto finance companies
  • Telecommunications companies
  • Utility providers
  • Student loan lenders
  • Other businesses.

A subsidiary, PRA Location Services, of Folsom, California, offers motor vehicle location, skip-tracing and collateral recovery services for auto lenders, insurance companies, law enforcement and others.

In May 2014, Portfolio Recovery Associates LLC was one of two debt collection companies that agreed to pay a combined $475,000 in penalties and drop collection efforts on $16 million worth of accounts after the State of New York alleged they broke the law by trying to collect obligations that were too old, Bloomberg News reported.

The Virginian-Pilot of Norfolk, VA, reported in September 2013 that a lawsuit filed in U.S. District Court in New York in 2102 says Portfolio Recovery Associates, or PRA, has pursued consumers in court without proof that their debt exists or that the amount owed is accurate. A similar suit filed by a consumer in Alabama claims that PRA fraudulently files huge numbers of lawsuits with the expectation that consumers won’t challenge them, according to the newspaper.

The Virginian-Pilot also says that:

  • A pending class-action lawsuit filed in U.S. District Court in California in 2011 claims that PRA broke the law by using an autodialer to call consumers on their cellphones without permission.
  • PRA lost a class-action lawsuit filed in U.S. District Court in New York, and in March 2013 was ordered to pay $350,000 to about 990 consumers who claimed that the company included drafts of legal documents suggesting it would sue them when it mailed them collection notices.

The Consumer Financial Protection Bureau has received 822 complaints about Portfolio Recovery Associates between July 2013 and May 2014*. Complaints about attempts to collect outstanding credit card bills, auto loans and other delinquent accounts include:

  • Threatening a lawsuit or other legal action
  • Improper contact (such as calling late at night or at work, frequent / repeated calls, or contact after the consumer had asked the company not to call)
  • Disclosing the existence of the debt to third parties
  • Continuing to attempt to collect debt that was not owed or that had been paid.

Are You Being Harassed by this Debt Collection Agency?

If you believe that you are being illegally harassed by the debt collection efforts of Portfolio Recovery, Inc. or PRA LLC, you should contact the Florida Debt Fighters without delay. We will review your case free of charge, and advise you of your legal options to put an end to any illegal debt collection practices.

Disparti Law Group provides no personal or legal opinion as to the validity of the complaints received by the CFPB. The CFPB’s authority is limited to supervision of debt collection companies with more than $10 million in annual receipts.

Numbers Associated with Portfolio Recovery Associates

205-588-8181, 239-642-8598, 404-592-5171, 440-580-0720, 443-313-1380, 518-207-3602, 626-209-2241, 661-673-4507, 678-265-1568, 702-410-7069, 727-637-8527, 731-984-7690, 757-321-2508, 757-321-6271, 757-321-6279, 757-321-6280, 757-321-6281, 757-321-6282, 757-847-4539, 757-961-3546, 757-961-3547, 757-961-3548, 800-427-7142, 859-918-0780, 866-909-0529, 866-940-7640, 877-803-0008, 918-442-0320


The above list of phone numbers associated with the listed debt collection agency was created by using numerous online sources, including but not limited to the collection agency’s website and company-affiliated websites, Better Business Bureau, news sites and online consumer forums. The numbers are for informational purposes only and not intended to serve as a complete list of the agency’s phone numbers. The Disparti Law Group provides no personal or legal opinion concerning this debt collection agency. If you have a question about the sources used to compile this list of phone numbers, simply please us through our online form.