1185348--2/16/2010--PORTFOLIO_RECOVERY_ASSOCIATES

related topics

{regulation, change, law}

{capital, credit, financial}

{acquisition, growth, future}

{personnel, key, retain}

We may not be able to purchase defaulted consumer receivables at appropriate prices, and a decrease in our ability to purchase portfolios of receivables could adversely affect our ability to generate revenue We experience high employee turnover rates and we may not be able to hire and retain enough sufficiently trained employees to support our operations We may make acquisitions that prove unsuccessful or strain or divert our resources We may not be able to manage our growth effectively Our ability to recover and enforce our defaulted consumer receivables may be limited under federal and state laws We may be required to incur valuation allowance charges under the guidance of Financial Accounting Standards Board ( FASB ) Accounting Standards Codification ( We may not be able to retain, renegotiate or replace our existing credit facility

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1185348--2/16/2010--PORTFOLIO_RECOVERY_ASSOCIATES_INC