1185348--2/27/2009--PORTFOLIO_RECOVERY_ASSOCIATES

related topics

{personnel, key, retain}

{regulation, change, law}

{tax, income, asset}

{investment, property, distribution}

{capital, credit, financial}

{stock, price, operating}

{acquisition, growth, future}

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 Our collections may decrease if certain types of bankruptcy filings involving liquidations increase 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 utilize the interest method of revenue recognition for determining our income recognized on finance receivables, which is based on an analysis of projected cash flows that may prove to be less than anticipated and could lead to reductions in future revenues or impairment charges The market price of our shares of common stock could fluctuate significantly

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1185348--2/27/2009--PORTFOLIO_RECOVERY_ASSOCIATES_INC