About us

Who is 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 ours. PRA Group Canada Inc. collaborates with its customers to help resolve their debt with us. 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.

Our goal is to treat you with the respect, dignity and transparency you deserve.

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We will not charge you servicing fees nor resell your debt

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We will offer you flexibility in repayment

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We will provide you with the account information you need to help make an informed decision

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If we are reporting your account to the credit bureaus, it will be considered paid-in-full or settled-in-full for less than the full balance after your final payment is successfully posted

High standards for how we treat people.

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Better Business Bureau
Rating A+, Member Since 2011

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Receivables Management
Association, Member Since 2014

How did PRA Group Canada Inc. get my account?

When banks, credit card companies, and other creditors have a customer account that goes into default, they will often sell that account to a company like PRA Group Canada Inc.

How does the PRA Group Canada Inc. debt repayment process work?

If you received a phone call or letter from us, it means that your original creditor has sold your account to us and you now owe this debt to PRA Group Canada Inc.

Please reach out to us as soon as you can. Once we have a better understanding of your situation, we can work with you to resolve your debt with us.

Customer Letter PRA

What is the next step?

Contact us by either phone, email or mail – we will work with you to create a repayment plan.

Our core principles

Our employees share a common understanding of how we treat customers and each other.

COMMITTED to always doing our best work.

ACCOUNTABLE for our actions.

RESPECTFUL in our interactions with each other.

ETHICAL in every situation.

SUCCESSFUL in helping our customers.

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Companies we work with

PRA Group Canada Inc. uses the services of a network of collection agencies throughout Canada to assist in collecting debts owed to us. These 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.