Direct Recovery Associates, LLC was founded in 1996 and is one of the nation’s largest debt collectors. Our core principles include:

• Fair and respectful treatment of our customers
• Affordable plans and comfortable payment options
• Consumer-friendly policies

Working with our customers throughout the United States, we’ve successfully helped millions of people resolve their debt with us.

If you’ve been contacted by us it’s because your original creditor sold us your account, and we now own your debt. We think this is good news as we are setup to work with people in resolving their debt.

• Fair and respectful treatment of our customers
• Affordable plans and comfortable payment options
• Consumer-friendly policies

Working with our customers throughout the United States, we’ve successfully helped millions of people resolve their debt with us.

Yes, Direct Recovery Associates, LLC (a subsidiary of PRA Group Inc., publicly traded on Nasdaq as PRAA) is a legitimate debt collection company. Direct Recovery Associates, LLC is certified by the RMAi trade organization for adhering to operations and code of ethics standards.

Once your account is paid, we provide a Paid in Full letter closing your account permanently. We report to all credit and collections agencies. Should any other creditor reach you regarding this account, we will notify them that your account has been satisfied.

While we cannot offer direct legal advice in a FAQ forum, many variables, such as changing your address without officially notifying your lender, can toll the statute of limitations. The discount in your settlement offer reflects the age of the account. We sent a validation notice giving you 30 days to dispute the validity of the debt. By the time your account has reached our collections department, the dispute window has closed. You can still submit evidence of your dispute via chat.

All accounts in our office go through the maximum collection cycle, including reporting to credit agencies and litigation in court. While we want to work with you to satisfy your account, our obligation is to our client, to recover their lost money. Communication is key - we WANT to work with you!