1185348--2/28/2008--PORTFOLIO_RECOVERY_ASSOCIATES

related topics

{interest, director, officer}

{personnel, key, retain}

{stock, price, operating}

{investment, property, distribution}

{acquisition, growth, future}

We may be unable to obtain account documents for some of the accounts that we purchase. Our inability to provide account documents on accounts that are subject to judicial collections may negatively impact the liquidation rate on these accounts. Our collections may decrease if certain types of bankruptcy filings involving liquidations increase We may not be able to manage our growth effectively Our senior management team is important to our continued success and the loss of one or more members of senior management could negatively affect our operations We may be required to incur impairment charges as a result of the application of American Institute of Certified Public Accountants Statement of Position 03-3 The market price of our shares of common stock could fluctuate significantly

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1185348--2/28/2008--PORTFOLIO_RECOVERY_ASSOCIATES_INC