PRA Group, Inc. is a publicly-traded debt buyer and debt collection company based in Norfolk, Virginia. The company buys delinquent consumer debt from credit card issuers and other financial institutions at a discount and pursues collection of the full debt owed. Founded in 1996, PRA Group employs more than 3200 people in 18 countries. Portfolio Recovery Associates has been sued and fined by entities including the Consumer Financial Protection Bureau and the Attorney General of New York for illegal debt collection tactics, threatening and misleading consumers, consumer reporting violations, and malicious prosecution. Wikipedia