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Is Nationwide Recovery Systems Legit?

George Simons | January 16, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

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: Nationwide Recovery Systems collects debts, impacting your credit. It’s your right to ask them to validate the debt. If you’ve been sued, respond promptly with a written Answer to block default judgment, and negotiate a settlement to resolve the lawsuit.

Your first contact with Nationwide Recovery Systems (NRS) is likely through a collection call or letter or an entry in your credit report.

No good news can come from Nationwide Recovery Systems debt collectors contacting you. For one, they want your money. And two, their presence on your report hurts your credit score and makes you less creditworthy. A lawsuit by NRS has more serious consequences.

Settle debt with Nationwide Recovery Systems

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

Settle with SoloSettle

What is Nationwide Recovery Systems?

Nationwide Recovery Systems is a legitimate debt collection agency that buys debt from original creditors for a fraction of the original amount, then works to recover the money and make a profit in the process.

Who does Nationwide Recovery Systems collect for?

NRS collects debts for a variety of companies in various industries. They have been in business since 1979.

Read Nationwide Recovery Systems reviews online

If you are curious to learn what consumers have said about their experience with Nationwide Recovery Systems on a debt collection matter, then take a moment to read these reviews:

While online reviews for Nationwide Recovery Systems are pretty mixed, there are some reviews that indicate consumers can have a pleasant experience communicating with Nationwide Recovery Systems collectors to resolve debt. Let’s consider a real example from a borrower named Samantha:

“I actually found out that I had a balance on my credit report, called them up and it took just a few minutes for them to locate me in the system. They verified my account without me giving too much of my personal information. All the details and dates matched and I was able to resolve my issue and boost my credit back up +25 points.”

This review shows that Nationwide Recovery Systems debt collectors are open to working with you to resolve your concerns and get your debt paid in a manner that works for you and your current financial situation. Communication is the key.

If calling a debt collector to negotiate doesn’t sound like your idea of fun, try using SoloSettle to negotiate online and resolve your debt through the digital settlement platform.

Settle debt with Nationwide Recovery Systems in 3 steps

If you know you owe the debt being collected by Nationwide Recovery Systems and would like to avoid going through court proceedings, then you can try and negotiate a debt settlement with NRS. They may be open to settlement for a lesser amount than nothing at all, especially if you make a reasonable lump sum offer. The debt settlement process can be as simple as follow these steps:

  1. Respond to any pending debt collection lawsuit filed by Nationwide Recovery Systems.
  2. Calculate how much you can reasonably afford to pay based on the amount you owe, then send a settlement offer to NRS.
  3. Be prepared for a counter-offer and to engage in rounds of settlement negotiations.
  4. If you can reach a settlement agreement, get the debt settlement terms in writing.

Settle with SoloSettle

Make an Offer

To learn more about debt settlement negotiation, check out this video explaining how you can negotiate a debt settlement on your own:

SoloSettle makes it easy to start the debt settlement negotiation process. Keep in mind that many debt collection agencies are willing to settle for less than the original amount, because often they purchase the debt for pennies on the dollar.

What should I do if I am late on my payments?

If your situation changes unexpectedly and you are unable to keep up with debt repayment, try one of the following:

Explain your situation

Nationwide Recovery Systems may be debt collectors, but humans run the company. If you honestly and respectfully explain your financial situation, they may be willing to cut you some slack. They may reduce your monthly payments to help you stay on top of things or help you work out a different payment schedule to meet your current situation.

Negotiate to pay less than you owe

NRS buys debts for pennies on the dollar. So you owe them way less money than they are asking you to pay. There's room to negotiate the debt. And you may get yourself a good deal if they accept your proposal. They are more concerned about making money, so they are unlikely to reject a good deal.

Pay for deletion

By the time NRS reaches out, they may have reported the account to the credit reporting bureaus. The presence of an account in collections is hurting your credit. You can rectify the situation by offering to pay the debt if NRS promises to delete the derogatory entry from your report. If they agree, keep a record of that communication. Check your credit a short while afterward to confirm that NRS had deleted the account as promised. If the entry still appears on your report, contact NRS to remind them of the agreement. This option is excellent if you unwittingly get late.

What if the debt is not mine?

Errors are common in the debt collection industry. Sometimes it is a typical human error; other times, it's a case of identity theft. Whichever the case, you shouldn't pay a debt you don't owe.

Ask for debt validation

Debt Validation is your first line of defense. Asking NRS to validate every debt they ask you to pay can catch those mistakes and save you money while protecting your credit score. You can formally request a debt validation by sending a Debt Validation Letter. You can contact Nationwide Recovery Systems at:

Address:
501 Shelley Dr. Suite 300,
Tyler, TX 75701,

Phone number:
1-800-458-6357

To learn more about debt validation, check out this video:

Dispute inaccuracies

It would be best if you made a habit of requesting your credit report often. It's free from Experian, Transunion, and Equifax every twelve months. Check thoroughly for errors, wrong dates, amounts, missed payments, etc. Dispute any errors you find with each of the bureaus.

Report suspected identity theft immediately

Identity theft is a serious offense. If you suspect that the debt resulted from fraud, report it to the authorities. The FTC should resolve the issue as soon as possible.

Where else can I find help to deal with Nationwide Recovery Systems?

There's help available. The government has taken steps to protect consumers from unscrupulous debt collection practices. SoloSuit is a company dedicated to helping consumers fight back on their own without the need to involve expensive attorneys in fighting debt collectors.

Government agencies protect your rights

These government provisions have all the information you need, from breaking down facts to protecting your rights. Spare some time to educate yourself.

  • The Fair Trade Commission (FTC)
  • The Consumer Financial Protection Bureau (CFPB)
  • The Fair Debt Collection Practices Act (FDCPA)

Solo can help you represent yourself

Solo helps you handle everything credit and debt collection by explaining facts in a simple, easy-to-understand way for the average consumer. Here's a breakdown of the FDCPA, for example. Further, our tools can help you respond to a collections lawsuit and settle your debt outside of court.

Defaulting on debt payments can happen to anyone, but it doesn't have to ruin your life or your credit score. There are avenues to negotiate with NRS, dispute fake bills, and remove the account from your credit report.

Sued by Nationwide Recovery Systems? Here’s how to respond

If Nationwide Recovery Systems takes the matter to court, you can save time and money by representing yourself. The first step to winning a debt lawsuit is to respond within the court deadline, which is 14-35 days depending on which state you live in.

Follow these six tips to respond to a debt lawsuit against Nationwide Recovery Systems and win:

  1. The Answer isn't the place to tell your side of the story in detail. Instead of using an elaborate story to respond to the lawsuit, your Answer should focus on responding to the claims listed in the Complaint document. Keep it simple. You can admit, deny, or deny due to lack of knowledge.
  2. Deny, deny, deny. Most attorneys recommend that you deny as many claims as possible, forcing Nationwide Recovery Systems to do more work to prove their side of the case.
  3. Include affirmative defenses. These are any legal reasons that NRS should not win the case. A common affirmative defense used in debt lawsuits is the statute of limitations, which is the time period that a debt collector has to sue someone for a debt. If the debt is past the statute of limitations, then the lawsuit is void.
  4. Use standard formatting or “style”. At the head of the Answer document, be sure to include a caption where you list the court information, party information, and case number.
  5. Include a certificate of service. It's important to serve your Answer to NRS. At the end of your Answer document, include a certificate of service when you verify the address you used to serve Nationwide Recovery Systems the Answer.
  6. Sign it. Most courts reject any legal documents without signatures, which is why this last step is so crucial.

Sued by Nationwide Recovery Systems? Use SoloSuit to respond.

Check out this video to learn more about these six tips:

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The Ultimate 50 State Guide

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

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The Debt Hotline

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