If You Were Sued By Portfolio Recovery Associates, LLC, or if Portfolio Recovery Associates, LLC Sent You a “Notice of Intent to File Legal Action,” You May Be Eligible for a Payment.

A North Carolina Court has taken the first step in approving the Settlement of a class action lawsuit described below. The lawsuit involves certain debt collection activity in North Carolina by Portfolio Recovery Associates, LLC at any time after October 1, 2009, through January 11, 2018.

The Class Representative in this case alleges that Portfolio Recovery Associates, LLC ("PRA") violated North Carolina debt collection law in two ways: (1) PRA sent written notices to class members of its intent to file collection lawsuits and also filed collection lawsuits against class members without having sufficient proof of the amount of the debt claimed to be owed; and (2) when PRA filed collection lawsuits against class members, PRA also failed to include proper documentation showing that it owned the debt. PRA disputes these allegations.

The Settlement offers payments to the following people:

  1. All people to whom Portfolio Recovery Associates, LLC sent a ”Notice of Intent to File Legal Action” in North Carolina between October 1, 2009 and January 11, 2018; and
  2. All people against whom Portfolio Recovery Associates, LLC filed a lawsuit seeking collection of a debt in the North Carolina courts between October 1, 2009 and January 11, 2018.

PROVIDED HOWEVER, the Settlement does not offer payments to anyone who meets the categories above if a judgment was entered against them in the lawsuit filed by Portfolio Recovery Associates, LLC seeking collection of a debt in the North Carolina courts between October 1, 2009 and January 11, 2018 (unless Portfolio Recovery Associates, LLC sent them another Notice of Intent to File Legal Action and/or initiated a separate lawsuit seeking collection of a separate debt against them that has not resulted in a judgment prior to January 11, 2018), if they have filed for or were placed in bankruptcy after October 1, 2009, or if they are deceased.

Your legal rights are affected whether you act or don’t act.

The official Class Notice is the notice approved by the Court that describes the Settlement and tells Class Members what their rights are. Click here to see a copy of the notice.

Your rights and options—and the deadlines to exercise them—are explained on this website. The Court in charge of this case still has to decide whether to approve the Settlement. If it does, and any appeals are resolved, benefits will be distributed to those who qualify. Please be patient and check this website for updates.


Important Dates and Deadlines:
Date Event
October 1, 2009 - January 11, 2018 (Inclusive) Class Period
April 22, 2018 Deadline to Exclude Yourself from the Settlement
April 22, 2018 Deadline to Object to the Settlement
July 20, 2018 at 10:00 a.m. Final Approval Hearing