WHO IS PRA AUSTRALIA?

We understand, life happens.

At times, people may fall behind on financial commitments. We understand.

If you received a letter or call from us, it means your bank or creditor has made a business decision to sell your debt to us. The contractual agreement you had with your original lender has been transferred to us, PRA Australia, the company to which you now owe the debt.

This website will help you understand the process, your options, and—most importantly—how we’re committed to working together to resolve your debt.

About PRA

Who is PRA Australia?

PRA Australia is a subsidiary of PRA Group, Inc. – a publicly traded (Nasdaq: PRAA) company employing more than 5,000 people across Australia, The Americas and Europe and is a global leader in purchasing and servicing debt.

Founded in 1996, PRA Group has been focused on the highest levels of compliance with the laws and regulations that govern our industry. We offer our customers solutions for resolving their debt with a focus on treating customers fairly and with respect. We are committed to helping our customers find an affordable way to become debt free and design a payment plan that fits their budget.

PRA Australia works with the Australian Credit Bureaus and Financial Institutions, and holds Australian Credit Licence 520521 provided by the Australian Securities and Investments Commission (ASIC).

I received a call, message or letter from PRA Australia. What do I do?

If you received a phone call, email or letter from us, please reach out to us. The sooner you do, the sooner we can help. The more we know about your situation, the more we can help you. Have you lost your job? Have you had unexpected expenses? Are you on a non-fixed income? Once we understand the issues you may have experienced, we can help you work out comfortable terms for repayment.

Why is PRA Australia attempting to collect my debt when they’re not the original lender?

When banks, credit card companies, and other creditors are unable to collect on an unpaid loan or purchase, they may hire a collection agency to collect on their behalf, or they may sell those debts to companies like PRA Australia. The right to collect on your account has been sold to us. Our goal is to work collaboratively to help you resolve your debt in a way that is manageable for you.

What can I expect from PRA Australia?

All PRA employees share a common set of values and commitments that define how we treat each other, how we relate to our customers, and the responsibilities we have to shareholders, regulators, clients, and others. Simply put, they’re the principles that reflect our company’s culture, why PRA was started, and who PRA is today. Our goal is for every PRA employee to personalise and live these shared values—because they are guidelines for everything we do.

COMMITTED to always doing our best work.

ACCOUNTABLE for our actions.

RESPECTFUL in our interactions with each other.

ETHICAL in every situation.

SUCCESSFUL because we work together as a team.

Managing your account and paying off your debt is easy...

Choose the best option for you, or see the payment questions below for additional help.
Pay Online

Manage Your Account

Manage your account, view your balances, set up scheduled payments or make extra payments.

Manage Your Account
Pay By Phone

Talk To Us

Call 1800 PRAPay (1800 772 729)  to speak with a friendly Customer Solutions Officer.

Call Centre Hours (AEST)
Monday to Friday 9:00am-7:00pm

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Debt happens.

Celebrating over 25 years of helping customers find an affordable way to become debt free.

FREQUENTLY ASKED QUESTIONS

Common questions

We’re here to help resolve any concerns you may have. Contact us ➜

How do I make a payment to PRA Australia?

We offer a variety of options to make payment as easy and convenient as possible. You can manage your account and make payments on the Account Management portal.  Log in.

Please refer to your latest correspondence from us for more details.

PRA Australia, is committed to working with you to find a solution that fits your budget. We can be contacted on 1800 PRAPay (1800 772 729) – Monday to Friday, 9:00am to 7:00pm AEST.

Alternatively you can use text chat to contact us and we can discuss your options:
WhatsApp Text Chat: +61 7 3199 4299   (Add this number to your contacts and you will find us in WhatsApp)
SMS Chat: +61 480 022 729
Webchat:  Click on the small white ‘Live Chat’ button on the right hand side of this page.

What repayment options do I have?

The best way to get your account settled quickly is to set up a regular payment, so you’re paying off an agreed amount at the same time.  This makes it easy to plan ahead and budget your spending. You can choose to set it up either weekly, fortnightly or monthly.

Payment plans
If you can’t pay off your debt in full immediately, we offer a wide variety of affordable repayment plans that can be designed to fit your budget. Log in to your account and set up payment schedules, or alternatively call us on 1800 PRAPay (1800 772 729)  to set up a plan that’s right for you.

Individual payments
You can also make individual payments, such as a one-time payment to settle your account via BPAY, Australia Post, through our online portal or by phoning us on 1800 PRAPay (1800 772 729).  View your latest notice letter for more details.

If you require any assistance making a payment, we can be contacted on 1800 PRAPay (1800 772 729) – Monday to Friday, 9:00am to 7:00pm (AEST) and one of our Customer Solution Officers will be able to help.

Alternatively you can use text chat to contact us and we can discuss your options:
WhatsApp Text Chat: +61 7 3199 4299   (Add this number to your contacts and you will find us in WhatsApp)
SMS Chat: +61 480 022 729
Webchat:  Click on the small white ‘Live Chat’ button on the right hand side of this page.

 

Why is it important to pay?

If your account is with PRA Australia, it is important you take the steps to resolve your outstanding account as quickly as possible as there are several benefits to having a paid account.

Benefits of a paid account can include:

  • Having your credit report updated (if applicable)
  • Receiving a letter indicating your account has been satisfied
  • May improve your credit health and ability to obtain financing such as credit cards, line of credit, mortgage, etc. in the future
  • Prevention of further collections activity or possible legal action

Refusal to pay your account with PRA Australia , or failure to respond to communications from PRA Australia, may ultimately lead to legal action being taken against you. In addition to the balance you owe, you would also be subject, if awarded by the court, to paying court costs as well as pre and post-judgment interest.

PRA Australia, is committed to working with you to find a solution that fits your budget and we can be contacted on 1800 PRAPay (1800 772 729) – Monday to Friday, 9:00am to 7:00pm (AEST).

Alternatively you can use text chat to contact us:
WhatsApp Text Chat: +61 7 3199 4299   (Add this number to your contacts and you will find us in WhatsApp)
SMS Chat: +61 480 022 729
Webchat:  Click on the small white ‘Live Chat’ button on the right hand side of this page.

What if I can’t pay?

PRA Australia, has a variety of flexible repayment plans that can be designed to fit your budget. If you are unsure what is right for you or if you can’t afford to repay, please contact us to discuss your options and one of our friendly staff will be able to assist you. Avoiding your obligations may affect your credit rating, future borrowing potential and could result in further phone calls and letters from us.  We are committed to helping you out, so please contact us and we can discuss your options on 1800 PRAPay (1800 772 729)  -Monday to Friday, 9:00am to 7:00pm AEST.

Alternatively you can use text chat to talk to us:
WhatsApp Text Chat: +61 7 3199 4299   (Add this number to your contacts and you will find us in WhatsApp)
SMS Chat: +61 480 022 729
Webchat:  Click on the small white ‘Live Chat’ button on the right hand side of this page.

 

How do I change my payment plan amount or date?

If at any time you would like to re-evaluate your payment plan or learn more about our payment options, please log in to the Account management portal.  Log in.

Alternatively, contact our office on 1800 PRAPay (1800 772 729) – 9:00am to 7:00pm Monday to Friday (AEST) and an Customer Solution Office will be able to assist you.

You can also text chat to contact us:
WhatsApp Text Chat: +61 7 3199 4299   (Add this number to your contacts and you will find us in WhatsApp)
SMS Chat: +61 480 022 729
Webchat:  Click on the small white ‘Live Chat’ button on the right hand side of this page.

 

I have a question about my account.

If you have received a letter or a notice from us and have a question, please speak with an Customer Solutions Officer on 1800 PRAPay (1800 772 729)  during our hours of operation, which are 9:00am to 7:00pm AEST Monday to Friday.

Alternatively you can use text chat to contact us and we can discuss your account.:
WhatsApp Text Chat: +61 7 3199 4299   (Add this number to your contacts and you will find us in WhatsApp)
SMS Chat: +61 480 022 729
Webchat:  Click on the small white ‘Live Chat’ button on the right hand side of this page.

I believe PRA Australia is contacting the wrong person.

If you believe PRA Australia is contacting you in error, please speak with an Customer Solutions Officer on 1800 PRAPay (1800 772 729) during our hours of operation. 9:00am to 7:00pm (AEST) Monday to Friday)

 

Alternatively you can use text chat to contact us and we can update our records:
WhatsApp Text Chat: +61 7 3199 4299   (Add this number to your contacts and you will find us in WhatsApp)
SMS Chat: +61 480 022 729
Webchat:  Click on the small white ‘Live Chat’ button on the right hand side of this page.

Does PRA Australia report to the credit bureaus?

We access and disclose Credit Personal Information to the following credit reporting bodies:

Illion Pty Ltd
www.checkyourcredit.com.au

Equifax Australia Information Services and Solutions Pty Ltd
www.equifax.com.au

Experian Australia Credit Services Pty Ltd
www.experian.com.au

What do I do if I have filed for bankruptcy?

If you or someone else who is included on the account has filed for bankruptcy, notify us or have your Trustee notify us immediately by calling us on 1800 PRAPay (1800 772 729)  during our hours of operation. (9:00am to 7:00pm AEST Monday to Friday)

Please have the following information available when you call:

  • Trustee’s name
  • Trustee’s phone number
  • Trustee’s address
  • Bankruptcy case number

Or you can send your correspondence to:
PRA Australia
GPO Box 1624
Brisbane
QLD, 4001

Email: customerservice@pragroup.com.au

 

Alternatively you can use text chat to contact us and we can guide you through the process:
WhatsApp Text Chat: +61 7 3199 4299   (Add this number to your contacts and you will find us in WhatsApp)
SMS Chat: +61 480 022 729
Webchat:  Click on the small white ‘Live Chat’ button on the right hand side of this page.

What should I do if you initiate legal action against me?

Unfortunately, we cannot provide you with legal advice, however, you should not ignore our correspondence and should respond accordingly and within the time frames specified in the corresponding paperwork you received.

How do I know PRA Australia is not a scam?

PRA Australia works with the Australian Financial Counselors, Credit Bureaus and Financial Institutions and has Australian Credit Licence 520521 provided by the Australian Securities and Investments Commission (ASIC).

Australian ACN: 154 270 069
Australian ABN: 31 154 270 069

PRA Australia
GPO Box 1624
Brisbane
QLD, 4001
Australia

Contact: 1800 772 729 (9:00am to 7:00pm AEST Monday to Friday)
Email: customerservice@pragroup.com.au

Alternatively you can use text chat to contact us:
WhatsApp Text Chat: +61 7 3199 4299   (Add this number to your contacts and you will find us in WhatsApp)
SMS Chat: +61 480 022 729
Webchat:  Click on the small white ‘Live Chat’ button on the right hand side of this page.

 

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