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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.