Help with PRA Group Debt

If you’re being contacted by PRA Group, you’re likely dealing with a debt that has been purchased from another company. PRA Group is one of the largest debt purchasers in the UK, and they regularly buy old debts from banks, credit card companies, and other lenders.

Who Is PRA Group?

PRA Group (UK) Limited is a debt collection agency that buys and collects consumer debt. They often contact people by letter, phone, or even initiate legal proceedings. If they’ve bought your debt, they now own it — and they’re legally entitled to pursue it.

What Should You Do If PRA Group Contacts You?

• Don’t ignore their letters or calls
• Check if the debt is still enforceable (some debts may be statute-barred)
• Contact us to explore safe and legal ways to deal with it

Can PRA Group Take You to Court?

Yes, PRA Group has been known to pursue County Court Judgments (CCJs) against individuals who ignore or cannot pay. This can lead to bailiff enforcement or damage to your credit file. But court action is not inevitable — there are ways to stop it.

How Fresh Start Can Help

• IVA (Individual Voluntary Arrangement): Freeze interest, stop legal action and make one affordable monthly payment
• DMP (Debt Management Plan): Reduce your payments and deal with PRA Group through a trusted third party
• DRO (Debt Relief Order): If your debts are below £30,000 and your income is low, this might be ideal

You're Not Alone — We're Here to Help

We support clients facing PRA Group claims every day. Whether you're worried about court, harassment, or just want to understand your options, our team offers free, confidential advice tailored to your situation.