PRA Group Debt Help – Stop Letters, Freeze Interest & Take Control

Are you being contacted by PRA Group UK about an old debt? Whether it’s letters, texts, or threats of legal action, you’re not alone — and you have options. PRA Group is one of the largest debt collection companies in the UK, often chasing debts purchased from banks, credit cards, and lenders.

If you're feeling overwhelmed, we're here to help you understand your rights and explore solutions to reduce or even write off your debt — without pressure, and without judgment.

Who Are PRA Group?

PRA Group is a US-owned debt buyer that operates across the UK. They purchase unpaid debts from major financial providers like Barclays, HSBC, Capital One, and others. Once they own the debt, they attempt to recover payment — often with persistent contact.

Being contacted by PRA Group doesn’t necessarily mean you’re about to face court action — but ignoring them can lead to more serious consequences like a County Court Judgment (CCJ).

What Can PRA Group Legally Do?

PRA Group can:

• Send letters, emails, or make phone calls
• Request repayment or offer settlements
• Take legal action to secure a CCJ (if the debt is valid and not statute-barred)
• Appoint solicitors or use the courts to enforce payment

But they cannot:

• Enter your home without permission
• Demand payment without proving the debt is yours
• Harass or threaten you unlawfully

Should I Pay PRA Group?

That depends on your financial situation and whether the debt is enforceable. Some debts may be “statute-barred” (too old to collect through the courts). Others may be included in a debt solution such as an IVA, DMP, or DRO.

Before agreeing to pay anything, check your options — especially if you're struggling financially. Many people qualify for affordable plans that reduce monthly payments and freeze interest.

How to Stop PRA Group Contact

If the calls and letters are causing stress, there are steps you can take to stop the pressure and regain control:

• ✅ Ask for proof of the debt
• ✅ Make a formal complaint if you feel harassed
• ✅ Request contact by letter only
• ✅ Include the debt in a formal debt solution (like an IVA or DMP)

We can help guide you through the steps to get relief from persistent contact — all at no cost to you.

Can I Include PRA Group in a Debt Plan?

Yes. PRA Group debts can usually be included in:

• Individual Voluntary Arrangement (IVA) – freezes interest and may write off debt after 5 years
• Debt Management Plan (DMP) – informal plan with reduced monthly payments
• Debt Relief Order (DRO) – for people on low income with limited assets

Many people are surprised at how much debt can be written off, or how low their payments can go with the right support.

What If I Already Have a CCJ from PRA Group?

If a County Court Judgment has already been issued, it may still be possible to:

• Set up affordable monthly payments to avoid enforcement
• Apply for a variation or suspension of the judgment
• Include the CCJ in a wider debt solution

It’s important not to ignore a CCJ, as doing so can result in further legal action — including bailiffs or wage deductions.

Other Debt Collectors Like PRA Group

If PRA Group is contacting you, you may also be hearing from other agencies. We also help people deal with:

• Lowell Financial
• Moriarty Law
• Cabot Financial
• Link Financial
• Moorcroft

Get Free PRA Group Debt Support Today

We’re not here to judge — just to help. Our UK team can explain your options, help you freeze interest, stop contact, and set up an affordable way forward. There’s no pressure and no cost to check your eligibility.