How to Resolve Debt with Nationwide Recovery Services

George Simons | January 23, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Settle debt with Nationwide Recovery by validating it first, negotiating a reduced payment plan, securing a written and signed agreement, and paying the debt off as outlined in the agreement. Solo can help with all this and more.

Unpaid debt can be overwhelming and may keep you up at night, especially when a debt collector reaches out for repayment. It might feel like getting your finances back on track is impossible, but that’s not necessarily true. Staying optimistic and cooperating with the debt collector can help you resolve the debt faster than you expect.

Nationwide Recovery Services is one such debt collector you can cooperate with to help you get out of debt. Their primary aim is to find practical solutions to recover their clients' money while allowing you to repay the debt in a way that fits your financial situation. For instance, they often agree to debt settlement—meaning you pay less than what you owe.

Let’s look at various ways to resolve your debt with Nationwide Recovery Services. But first, what is Nationwide Recovery Services, and who do they collect for?

Settle debt with Nationwide Recovery Services

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What is Nationwide Recovery Services?

Nationwide Recovery Services (NRS) is an early-out and third-party bad debt collection agency with its operations center in Cleveland, Tennessee. Early-out debt collection means the original creditor does not wait months or years before following up on debt. They hire NRS to politely remind the consumer to pay the debt days or a few weeks after they stop making payments.

NRS also follows up on the “bad” debts that have remained unpaid for months or years. If you see NRS on your credit report and do not remember any recent purchases, it could be a debt from a few years ago. Use a Debt Validation Letter to acquire the details and ensure the debt belongs to you.

Who does Nationwide Recovery Services collect for?

Since they mainly handle debts still in the early stages of collection, they often work with clients from the healthcare and medical industries. These clients typically include:

  • Hospitals
  • Clinics and private practices
  • Dental and orthodontic offices
  • Pharmacies
  • Home healthcare agencies
  • Telehealth companies

If you see NRS on your credit report, it could be from a medical bill from the original creditor. NRS also collects for other industries, like utilities and financial services.

Read Nationwide Recovery Services reviews online.

What others say about a company can help you devise a plan to work with them and the likelihood of reaching an agreement. The following are reviews from consumers and what they think about NRS:

Even though the reviews may cause mixed reactions, some consumers have had positive experiences with them. Here is an example from Alison, who posted a review on Google.

“I had a doctor's bill to take care of with no account information. I was assisted quickly and easily. Nice agent, painless phone bill pay!”

From the above review, you can see the NRS agent’s desire is to help you pay your debt and become debt-free. Alison’s lack of account information did not hinder her from paying her bill. The agent had the details she needed to make the payment.

What to do when Nationwide Recovery Services calls

It is always best to keep correspondence in writing to avoid any confusion over repayment plans, settlement negotiation, or information about the debt. The following methods have been approved by the Fair Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB) as legal ways for consumers to inform debt collectors about communicating via a phone call:

  • Request NRS to communicate in writing: The next time a collector with NRS calls, ask them to send the debt information to you via email or US certified mail. Tell them that you will not take action to pay until they send everything in writing.
  • Send a cease and desist letter: Sometimes, debt collectors may continue calling even after requesting them to do a follow-up in writing. If NRS calls again after this request, send them a cease and desist letter informing them they will violate your rights if they call again.
  • Request NRS to validate the debt: Debt validation helps to clarify that the debt is rightfully yours and the figures are accurate. Send SoloSuit's Debt Validation Letter to get this information to ensure you will not pay somebody else's debt. NRS may stop calling if they do not receive enough information from the original creditor.

Any of these three methods are proven to help transition the communication with Nationwide Recovery Services to writing. If you plan to use these methods, here is the Nationwide Recovery Services phone number and other contact information:

  • Phone number: 800-776-4600
  • Corporate Address: 5655 Peachtree Parkway, Norcross, GA 30092.
  • Website: https://nrsagency.com/

How to remove Nationwide Recovery Services from your credit report

Most debt collection agencies will contact you when the debt in question is already on your credit report. It is in your best interest to address it promptly to improve your credit score if you plan to apply for new credit. Removing a debt from your credit report depends on:

  • The relationship you have with NRS.
  • The time taken to respond to NRS attempts to collect.
  • How quickly NRS validates the debt and whether or not you dispute it.
  • How fast you pay the debt.

Once you review the debt on your credit report, send a Debt Validation Letter to NRS requesting they verify the debt in question. You need to confirm if the debt on the report matches the details on the validation notice. If the details do not match or are not included, send a debt dispute letter to the credit bureaus regarding the discrepancies.

You can also dispute the medical debt with the three credit bureaus if you believe the validation notice from NRS contains errors reflected on the credit reports. In this case, highlight the errors and send a debt dispute letter together with the pages containing errors. The bureaus will look into it and update the debt or remove it from your report.

Settle the debt with Nationwide Recovery Services.

If you verify the debt belongs to you and remember that you have a pending medical bill, your next move should be to make plans to pay. You can negotiate a payment plan to pay less than the original debt. You can start the negotiation at 30–40% of the debt and try not to go beyond 50–60%.

If they agree to the lowered figure, they will expect you to pay the entire debt or three-quarters of it and the remaining balance within a short period. In addition to this agreement, you can also request a pay-for-delete agreement where they take the debt off your credit report once you repay it.

To learn more about how to negotiate with Nationwide Recovery Services, check out the following video where we interview a debt attorney who shares negotiation tips and strategies that will help you settle your debt:

What if Nationwide Recovery Services sues me?

NRS may decide to sue you if their attempts fail to convince you to pay the debt. They will deliver the lawsuit, and you have to sign the delivery note to confirm the receivership. Consumers usually panic at this stage, yet they have a fighting chance using Solo's legal documents.

The first step is to respond to the lawsuit by sending an Answer within 14–30 days of receiving the lawsuit. If you delay, a default judgment will be granted against you. With a default judgment, Nationwide Recovery can garnish your wages, freeze your bank accounts, and even put liens on your property. This is why it's so important to respond to a debt lawsuit as quickly as possible.

After sending your written Answer, decide whether you want to fight in court, especially if you have evidence that:

  • The debt is not yours, or the figures are inaccurate.
  • The debt has exceeded the statute of limitations
  • NRS violated your consumer rights.
  • You had paid the debt in question.

It typically benefits consumers and plaintiffs to avoid court by settling the debt outside of court. However, once the lawsuit has been filed, remember that you’re responsible for meeting all court deadlines for document production and attending any hearings until the debt is settled and the lawsuit is formally dismissed.

To avoid court, use SoloSettle to start settlement negotiations as soon as you file your Answer. Negotiate a settlement plan to pay less than the original debt and avoid paying additional court fees if you go through the court process. Since debt collectors like Nationwide Recovery usually purchase debts for pennies on the dollar, they will still profit when you pay off a percentage of the debt. This is why debt settlement can be a good option if you can afford to pay a portion of the debt.

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Use these three steps to respond to a debt lawsuit against Nationwide Recovery.

As we said, the first step to addressing your lawsuit is to respond with an Answer. Follow these three steps to respond to the case and win in court.

  1. Answer each claim listed in the Complaint.
  2. Assert your affirmative defenses.
  3. File the Answer with the court, and send a copy to Nationwide Recovery.

Let's take a look at an example.

Example: Jenny was sued by Nationwide Recovery Service for a medical debt in California from nine years ago. She never heard anything from NRS until the court documents arrived at her door. She used Solo to draft an Answer to the lawsuit, where she responded to each claim against her and asserted her affirmative defenses. One of these defenses that she brought up was the statute of limitations having passed on the debt. In California, the statute of limitations on medical debt is four years, which meant that the lawsuit was invalid. Finally, Jenny paid Solo to file her Answer in court for her and send a copy to Nationwide Recovery. When NRS received the Answer, they realized their mistake and filed a motion to dismiss the case. Jenny was off the hook!


SoloSuit can help you respond to a debt lawsuit in all 50 states.

Check out this video to learn more about how these three steps:

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

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If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

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Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

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Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

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Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

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Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

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Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources


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