Frequently asked questions

What do I do if I have filed for bankruptcy or a Debt Agreement (Part IX)?

If you or someone else who is included on the account has filed for bankruptcy or a debt agreement (Part IX), notify us or have your Trustee notify us immediately.

Please have the following information available when you contact us:

– Trustee’s name

– Trustee’s phone number

– Trustee’s address

– Bankruptcy case number

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 holds Australian Credit Licence 520521 provided by Australian Securities and Investments Commission (ASIC).

Australian ACN: 154 270 069
Australian ABN: 31 154 270 069
PRA Australia
GPO Box 1624
QLD, 4001 Australia



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

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SMS Chat - +61 480 022 729
WhatsApp Chat - Add +61 7 3199 4299 to your WhatsApp contacts

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Or call us

1800 PRAPay (1800 772 729)

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

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Each year millions of people fall behind on their bills for many reasons - things don’t go as planned, and then debt happens…

When a person is unable to pay back a loan, credit card or another account, their creditor may sell that debt to a company like ours.

If your account was sold to us, we’re here to help make repayment easier.

We’ll send you a welcome letter that explains who we are and invites you to access your account online –

where you can view your account information and manage flexible payment options that allow you to create an affordable payment plan, make a payment or pay it all off.

We don’t add interest or fees, and we won’t sell your account.

And when your debt is cleared, we’ll happily send you a confirmation.

Because we understand debt happens.

We’re PRA Australia.

We’re changing the way debt repayment works by treating our customers with the fairness and respect they deserve.

We’ve helped millions around the world resolve a debt - let’s work together to find your path to recovery.

Debt happens. So can recovery.