416-855-8127 / 4168558127

We are PRA, a global leader in the purchase, collection, and management of portfolios of nonperforming loans. In other words, we specialize in debts that are deemed unrecoverable. Assuming we'd acquired a twenty-year-old unpaid debt a week ago. As per our understanding, that particular account would be considered as if it were a one-week-old outstanding debt, and therefore it could be perceived as though it is retrievable. Should the debtor be John Smith, we shall attempt to contact any individual with the same name. In addition to some other subjects with similar names, such as Joan Smither, Jack Smythe and including Tom Smith. We may be unaware of your identity, but we firmly believe that you are the debtor in question. For this reason, feel free to disclose personal information with us. We have nothing but praise for our telecom operators, all of which shall remain nameless, every single one of those companies has been extremely accommodating to us thus far. To be frank, we truly value their services, as we've greatly benefited from their collaboration. We'd highly recommend them to any entity, legal or otherwise, that requires the use of a different phone number each week and needs to make thousands of calls per day. In anticipation of your cooperation, we'd like to say "Thank You", and we look forward to receiving your Payments. At your convenience, we do accept Major Credit Cards! To be totally honest, we could never have been in business for so long without customers such as yourself. So again "Thank You". And as a show of appreciation, we'd like to leave you with this: Debt happens. Celebrating twenty years of helping customers find an affordable way to become debt-free.

This caller repeatedly calls numerous times during the day and then late in the evening. Hangs up and leaves no messages.

Calls everyday and hangs up. Block this number if you van

"Debt collectors". I kept calling them back for 15 minutes straight asking how they like being harassed until they finally blocked me

The PRA Group is a junk debt buyer. As of January 1st, 2018 junk debt buyers are included in the Ontario Collections act. Before a collection agency can contact you they need to send you a written notice through regular mail (email doesn’t count).This notice must include: the name of the person or business that says you owe them money (known as the creditor) the amount of money that the creditor says you owe the name of the collection agency and a statement that the creditor has asked them to collect the debtAfter sending the notice, the agency must wait 6 days before they can contact you in person or by phone.After their first conversation with you, an agency can’t contact you more than 3 times in a 7-day period without your consent.“Contact” means the agents must actually speak with you, email you or leave you a voice mail. If you don’t answer the phone and the agents don’t leave a message, it doesn’t count as a contact. A letter sent by regular mail also does not count as a contact.A collection agency can’t: contact you on a Sunday, except between 1 p.m. and 5 p.m. contact you on any other day of the week between 9 p.m. and 7 a.m. contact you on a holiday use threatening, profane, intimidating or coercive language use undue, excessive or unreasonable pressure or harass you charge you any feesAsk the right questions when a collection agency contacts you, such as: may I have your Ontario registration number? have you sent me a written notice with my creditor’s name and the amount of money that I owe? how often will you be contacting me?Learn to say "I dispute the debt," and suggest that they take you to court. The limitations Act in Ontario gives a creditor or debt owner 2 years to seek legal action against you. After you receive a letter from the junk debt collector send them a registered letter stating that you dispute the debt and suggest that they take you to court. They have to stop harassing you then.File all complaints with Consumer protection Ontario.They MUST send a letter a week before attempting to contact you.