Fairness and respect.

Our promise to customers.

If you’re a customer of PRA Group Canada Inc., we are committed to working with you to resolve your debt with us.

Our promises

  • We won’t charge servicing fees while you work with us on your account(s)
  • We will listen to better understand your situation
  • We’ll work with you on a way forward
  • You have flexibility in your repayment
ribbon icon

Want some options?

Tell us what you can afford and we'll come back with some repayment options.


Ready to pay?

bank icon

Pay at your bank

Add PRA Group Canada as a payee and use your PRA reference number as your account number.
Learn more

coin icon

Bank deposit

Certified funds (cash, money order or certified cheque) can be deposited at any BMO location.
Learn more

By mail

Cheques or money orders with your PRA reference number on them can be sent via mail.
Learn more

About us

Who we are and what we do.

PRA Group Canada Inc. collaborates with its customers to help resolve their debt with us. When banks, credit card companies, and other creditors are unable to collect on an account, they may sell those debts to companies like ours. We offer affordable plans and repayment options and are committed to treating our customers with the fairness and respect they deserve.

PRA Group Canada Inc. is a subsidiary of PRA Group, Inc. – a publicly traded (Nasdaq: PRAA) company. For over 25 years, PRA has helped drive the evolution of the debt industry by putting people first, striving to improve financial futures.

Since January 1, 2020, Preferred Credit Resources Limited and CCL Financial Inc. have been merged into PRA Group Canada Inc.

When banks, credit card companies, and other creditors are unable to collect on an account, they may sell those debts to companies like PRA Group Canada Inc. The debt is still yours, and it is still due. The right to collect on your account has been transferred to us. Our goal is to work collaboratively to help you resolve this debt in a way that is manageable for you.

PRA Group Canada Inc. works with Canadian credit bureaus and financial institutions, and is also accredited by the Better Business Bureau.

PRA Group Canada Inc. is a subsidiary of PRA Group, Inc. – a publicly traded (Nasdaq: PRAA) company. For over 25 years, PRA has helped drive the evolution of the debt industry by putting people first, striving to improve financial futures.

You can also further verify that we own your account by contacting your original creditor.

If you received a phone call 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 fixed income? Once we have a better understanding of your situation, we can discuss some flexible repayment options.

Common questions

PRA Group Canada Inc. has a variety of flexible repayment plans, please contact us to discuss your options. Avoiding your obligations may affect your credit rating, future borrowing potential and could result in further phone calls.

PRA Group Canada Inc. uses the services of a network of collection agencies throughout Canada to assist in collecting debts owed to us. These collection companies are authorized to work with you:

  • Action Collections & Receivables Management
  • Affinity Credit Solutions
  • Affinity Global
  • D&A Group Services
  • Debt Control Agency Inc.
  • General Credit Services Inc.
  • National Credit Recovery Inc.
  • Phillips & Cohen Associates (Canada) Ltd.
  • TPH Legal Services
  • Veritas Alliance Inc.

If your account is with PRA Group Canada Inc. 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:

  • No longer receiving collection calls or letters
  • Having your credit report updated, if applicable
  • Receiving a letter indicating your account has been satisfied, upon request
  • You may qualify for better rates for your financing needs
  • May improve your credit health and ability to obtain financing such as credit cards, line of credit, mortgage, etc.

Refusal to pay your account with PRA Group Canada Inc. or failure to respond to communications from PRA Group Canada Inc. may ultimately lead to legal action being taken against you. If this occurs, a judgement may be rendered against you, and as a result you may be subject to other legal remedies.

PRA Group Canada Inc. is committed to working with you to resolve your debt with us.

Lump sum payment
You can make individual payments, such as a one-time payment to settle your account.

Payment plans
If you can’t pay off your debt in full immediately, we have a variety of flexible repayment plans available. Call us at 1-866-903-1741, or 1-844-203-0640 for service in Québec, to discuss your options.

If at any time you would like to re-evaluate your payment plan or learn more about our payment options, please contact our office at 1-866-903-1741, or 1-844-203-0640 for service in Québec, and an Account Representative will be able to assist you.

If you have a question about your account, please speak with an Account Representative toll free at 1-866-903-1741, or 1-844-203-0640 for service in Québec, during our hours of operation.

If you believe we are contacting you in error, please speak with an Account Representative toll free at 1-866-903-1741, or 1-844-203-0640 for service in Québec, during our hours of operation.

PRA Group Canada Inc. reports to the credit bureaus per applicable provincial legislation and guidelines from TransUnion and Equifax.

PRA Group Canada Inc. reports to the credit bureaus per applicable provincial legislation and guidelines from TransUnion and Equifax.

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 toll-free at 1-866-903-1741, or 1-844-203-0640 for service in Québec, during our hours of operation.

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 Group Canada Inc.
205 – 130 Dufferin Ave
London, ON N6A 5R2