Table of Contents
- What is National Recovery Agency?
- Who does National Recovery Agency collect for?
- Is National Recovery Agency a scam?
- How to stop National Recovery Agency from calling you
- How to remove National Recovery Agency from your credit report
- How to deal with National Recovery Agency harassment
- Should you pay National Recovery Agency?
What is National Recovery Agency?
Headquartered in Harrisburg, Pennsylvania, National Recovery Agency (NRA) is a debt collection agency that was founded in 1976. 1 They collect debt for various types of businesses as well as healthcare providers and government agencies at the local, state, and federal levels. 2 3
National Recovery Agency, along with Credit Plus Solutions Group, Inc., is part of NRA Group, LLC, a debt collection agency founded in 2005. 4
National Recovery Agency performs the following debt collection services: 5
- First- and third-party collections
- Post-charge-off collections
- Pre-collections
- Outsourcing
- Early-out services
- Credit reporting
- Skip-tracing
- Litigation support
- Debt buying
- Check recovery
- Debt collection consultation
National Recovery Service notes that they don’t collect debt on behalf of payday loan lenders (in fact, payday loans are illegal in Pennsylvania). 1 If someone operating under this name contains you about a payday loan, they’re probably a scammer.
Other agencies with similar names
Be careful not to confuse National Recovery Service with NRA, LLC or National Recovery Associates. Despite having very similar names, these are different companies.
Who does National Recovery Agency collect for?
National Recovery Agency collects debts for the following types of institutions and companies: 2
- Local, state, and federal government agencies
- B2B businesses
- Telecommunication companies
- Utility providers
- Direct marketing and retail companies
- Colleges, universities, and other educational institutions
- Banks
- Financial service providers
- Hospitals and healthcare providers
Is National Recovery Agency a scam?
No, National Recovery Agency isn’t a scam. They’re a legitimate debt collection agency with accreditation by the Better Business Bureau (BBB) and membership with ACA International. 1 6
However, this doesn’t mean that they’ll always behave ethically. For example, National Recovery Agency was sued in 2021 for allegedly violating consumer rights by furnishing false account information to the credit bureaus. 7
What’s more, scammers may pose as representatives from National Recovery Agency to try to collect money from you. For this reason, make sure to always verify the validity of any debts you’re contacted about before you make even a single payment. To do so, contact National Recovery Agency directly using the contact information below.
VIDEO: National Recovery Agency in 2 Minutes—Fix Your Credit Report & Know Your Rights
How to stop National Recovery Agency from calling you
National Recovery Agency will call, email, or mail you if they believe you have an unsettled debt. The reason debt collectors like these are calling you is simple—they want to pressure you into paying up.
Unfortunately, National Recovery Agency representatives will keep trying to contact you unless you pay the debt, prove that it doesn’t belong to you, or reach an agreement with them (or with your original creditor).
Don’t ignore debt collectors like National Recovery Agency—in the end, you may get sued, and you may even have your wages garnished. It’s smarter to engage with them tactically to ensure you don’t have to pay, or that you get the best deal you can.
To begin, you can get National Recovery Agency to stop calling you—at least temporarily—by sending them something called a debt verification letter.
Send a debt verification letter
A debt verification letter is a formal request that obligates a debt collector to provide further evidence of a debt. You must send it within 30 days of them first contacting you. Note that National Recovery Agency should have sent you a debt validation letter proving you owe the debt first, as it’s required by law.
Benefits of sending a debt verification letter
Sending a debt verification letter has three benefits:
- You’ll prevent National Recovery Agency from calling you during this period: When you send a debt verification letter, third-party debt collection agencies like National Recovery Agency are required by law to stop contacting you until they can provide evidence that you actually owe the debt they’re trying to collect. 8
- You’ll get more information about the debt: You should never pay a debt that you don’t recognize. Forcing National Recovery Agency to provide documentation will help you determine whether this is a legitimate debt that you actually need to pay. It’s an easy way of figuring out if the debt collector is a scam agency.
- You may successfully disown the debt: If National Recovery Agency can’t provide more information about the debt (which is frequently the case), then they have no choice but to delete it from your records.
Beware the statute of limitations
The verification materials that you receive may show that your debt has passed the statute of limitations. This is a legal limit that means the debt is too old for National Recovery Agency to sue you over, at which point it’s known as time-barred debt.
If this is the case, you can send National Recovery Agency a letter telling them to stop contacting you. Legally, they’ll have to abide by that.
The statute of limitations on most debts is between 3 and 6 years, but the exact amount of time depends on several factors, including the state you live in. The best approach is to check your state attorney general’s website and email their office if the information you’re looking for isn’t available online.
How to remove National Recovery Agency from your credit report
If your credit score is suffering as a result of National Recovery Agency debt, there are three ways to recover:
1. Dispute the debt with all three credit bureaus
If you think that the debt associated with National Recovery Agency on your credit report is illegitimate (e.g., if you paid it on time or it belongs to somebody else), dispute the item on your credit report. You can also dispute debts that are older than 7 years (measured from the date of your first missed payment)—by law, they’re supposed to fall off your credit report by then.
To dispute a debt for free, send a credit dispute letter to the credit bureaus that are showing National Recovery Agency on your credit report.
To find out which credit bureaus you need to send the letter to, request your free credit report from each of the major credit bureaus (Experian, Equifax, and TransUnion) at AnnualCreditReport.com. If they don’t respond to your dispute within 30–45 days, then they’re legally obligated to remove the item in question.
2. Negotiate with National Recovery Agency
Unfortunately, if the debt is legitimate and it’s less than 7 years old, removing National Recovery Agency from your credit report will be very difficult (although not impossible).
Your best move at this point is to simply pay the debt. Newer credit scoring models ignore paid-off collection accounts, which means paying off your collection will boost your credit score even if you can’t remove the item.
However, when you pay, there are two negotiation strategies you can try as a last-ditch attempt to remove National Recovery Agency from your credit report:
- Pay for delete: You might be able to convince National Recovery Agency to remove the negative mark in exchange for paying off the debt. You can open these negotiations by sending them a pay-for-delete letter.
- Goodwill deletion: This is an alternate strategy you can try after paying your debt. Once the account is paid off, you can send National Recovery Agency a goodwill letter asking them to empathize with your situation and remove the mark from your credit report as an act of kindness. Create your letter using our free goodwill letter template.
3. Wait 7 years for National Recovery Agency to fall off of your credit report
Unfortunately, most collection accounts will stay on your credit report for 7 years after your first missed payment. Even if you pay off your debt to National Recovery Agency, it will remain on your credit report.
Learn more about National Recovery Agency’s impact on your credit score:
- How many points will my credit score increase after I pay off collections?
- How to rebuild your credit after having a debt sent to collections
How to deal with National Recovery Agency harassment
Unless you tell them not to, National Recovery Agency will keep contacting you until you pay off or settle your debt. However, there are restrictions on how they can go about doing this.
Restrictions on National Recovery Agency
When attempting to collect payments from you, National Recovery Agency must adhere to the regulations specified in the Fair Debt Collection Practices Act. This is a federal law that prevents debt collectors from engaging in harassment or predatory behavior, such as lying to you or calling you incessantly or at unreasonable hours.
National Recovery Agency representatives also need to follow the rules set out in the Telephone Consumer Protection Act. It’s a good idea to familiarize yourself with these laws so that you can take action against National Recovery Agency if they do something illegal.
Can I sue National Recovery Agency for harassment?
Yes, you can sue National Recovery Agency for harassment. If you can show that they’ve violated your rights under the Fair Debt Collection Practices Act, then you can collect $1,000 in statutory damages for each violation as well as payment for any damages that you’ve sustained as a result of their violation. National Recovery Agency will also have to pay your attorney fees and court costs.
How to file a complaint against National Recovery Agency
If a debt collector violates your rights under the Fair Debt Collection Practices Act or does something illegal, then you can report them to the Federal Trade Commission, the Consumer Financial Protection Bureau, or your state attorney general. From there, you’ll be able to find out whether you can also sue National Recovery Agency.
Another option is filing a complaint on the Better Business Bureau (BBB) website, but this might not have the outcome you’re hoping for. Bear in mind that the BBB is actually a private organization that has no affiliation with the US government. They’ll forward your complaint to National Recovery Agency, but there’s no guarantee that the agency will address it in a satisfactory manner. What’s more, if your dispute is sent to an arbitrator, then you may give up your right to take National Recovery Agency to court.
Should you pay National Recovery Agency?
You should only pay a collection agency like National Recovery Agency if you’re certain the debt is yours and you owe it. If you’re struggling financially and can’t afford to pay this debt collector, you can get help from a non-profit credit counselor.
