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How to Settle Debt With National Recovery Agency

George Simons | February 01, 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: To settle with the National Recovery Agency, first ask them to validate it, respond to any pending lawsuit before the deadline, negotiate to settle for less, and get all agreements in writing to avoid future issues. Use SoloSettle to negotiate online and pay off your settled debt.

If you’ve been contacted by National Recovery Agency (NRS) about an unpaid debt, don’t ignore their outreach. The same advice applies if NRA has filed a debt collection lawsuit against you.

Burying your head in the sand and hoping the debt matter goes away is never recommended. Instead, reach out to the debt collector and engage with them to reach an amicable resolution. For example, you could initiate negotiations with NRA debt collectors to try and settle the debt for less.

Settle debt with National Recovery Agency

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

Settle with SoloSettle

What is the National Recovery Agency, and how does it work?

National Recovery Agency is a genuine debt collection agency headquartered in Harrisburg, Pennsylvania. It was founded in 1976 and, in 2005, joined with Credit Plus Solutions Group Inc to form NRA Group, LLC. It collects for various businesses, government agencies, and healthcare providers. NRA has grown tremendously to offer multiple services, including:

  • First and third collections
  • Pre-collections
  • Post charge off collections
  • Credit reporting
  • Debt collection consultation
  • Litigation support

Exercise your rights when National Recovery Agency contacts you

The Fair Debt Collection Practices Act aims to enlighten you about your rights when dealing with collection agencies. The FDCPA guidelines state that NRA should not:

  • Call you multiple times a day for the same debt
  • Communicate with your friends, colleagues, and family about your debt
  • Lie to you about your debt or how they’ll report the debt if you pay
  • Threaten to take your driving license and other vital documents
  • Threaten to call the police to have you arrested
  • Fail to respond to a debt validation letter that requests them to verify the debt is yours

Negotiate with National Recovery Agency to settle your debt with these tips

Whether you’ve received a single phone call or been served with a Summons and Complaint on a debt collection lawsuit, you have the option to try and negotiate a debt settlement. This option is worth considering, especially if you acknowledge that you owe the debt. Here are some steps you can take to effectively negotiate a debt settlement with National Recovery Agency:

  1. Respond to the debt collection lawsuit, assuming one has been filed against you.
  2. Determine what you can pay toward the amount owed. For example, if you owe $8,000 and could reasonably pay half that amount, then this can help establish the parameters for your settlement talks.
  3. Convey your settlement via a debt settlement letter. It’s recommended that your opening settlement offer be lower than the number you calculated in Step 2. This will give some room for you to negotiate upward if National Recovery Agency rejects your initial offer.
  4. If you are able to reach a debt settlement agreement, make sure to get the terms and provisions in writing.
  5. Sign the debt settlement agreement.
  6. Be sure to pay the agreed amount in a timely manner.

Learn more about how to settle your debt with National Recovery Agency by watching this informative video:

Check out these National Recovery Agency reviews

If you are looking for information about other people’s experience engaging with National Recovery Agency, then check out these legit online reviews:

Objectively speaking, the online reviews of National Recovery Agency are not all glowing and positive. Nevertheless, there are some online reviews supporting the notion that consumers are actually able to have a positive and productive experience with NRA debt collectors. Take, for example, the online review of Nat:

“I was really stressed by finding out I had a debt, but I had an amazing chat with Madeleine who gave me all the information I needed. She was kind, respectful, and very helpful! I can't thank her enough for her patience, thoughtful explanation of the process and how I could resolve my situation.”

Nat’s review shows that debt collectors with National Recovery Agency are open to working with you to resolve your debt matter. You just have to be proactive and reach out. But if the thought of chatting with a debt collector intimidates you, tools like SoloSettle can take the emotion out of the whole experience and help you negotiate online.

Settle with SoloSettle

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Steps to respond to National Recovery Agency Lawsuit

If all methods to collect from you fail, NRA often opens a debt collection case against you. If you have received a lawsuit letter from them, do not despair, you still have a fighting chance by taking the following steps:

1. Answer each claim listed in the Complaint

In the lawsuit, you'll see a Complaint document that contains a list of the allegations NRA has against you. You have three ways of answering these statements:

  • Admit the claim: You agree to the claim against you.
  • Deny the claim: You are challenging NRA to prove that the claim is factual.
  • Deny due of lack of knowledge: You are unsure if the allegation made is true or false unless you investigate further.

The recommendation lawyers give to consumers is to deny some claims so that you let NRA prove their case. They may withdraw the case or ask you to settle the debt if they do not have enough evidence.

Let’s look at an example.

Example: National Recovery Agency is taking Monica to court for a credit card debt. Monica doesn’t recognize the debt they claim she owes, so she uses SoloSuit to respond to the lawsuit, denying all the claims against her. NRA realizes they have inaccurate information and, unable to prove their claims, they drop the case.


2. Assert your affirmative defenses

This section allows you to explain why you are not responsible for the debt or why you shouldn't pay the debt even if it is legitimate. Some of the defenses you can use are:

  • The debt has passed the statute of limitations
  • The name and account details are incorrect
  • NRA violated your consumer rights
  • NRA hasn't proven they received the debt from the original creditor
  • The debt was paid off or canceled

If you are unsure how to write your defenses convincingly, SoloSuit has a customizable Answer document that you can fill out to fit the needs of your case. All you have to do is answer a few simple questions about it.

Let’s consider another example.

Example: Joey is being sued by National Recovery Agency for an old debt in Wisconsin. He does some research online, he finds out that the statute of limitations on debt is six years in Wisconsin. Since Joey hasn’t been active on the debt account for almost seven years, NRA has no legal right to file a lawsuit against him. Joey uses SoloSuit to draft and file his Answer document where he lists the expired statute of limitations as one of his affirmative defenses. This leads to the case being dropped and a big celebratory dinner for Joey.


3. File the Answer in court, and send a copy to National Recovery Agency

If you complete the above steps correctly, you can confidently send your Answer to the court where NRA opened the case against you and mail a copy to NRA’s attorney. Ensure the Answer gets to court before the deadline for filing, or you may lose the case. Deliver the Answer to the courthouse or use certified mail.

Settle your debt with National Recovery Agency

After you send your answer and do not wish the case to continue in court, you can request NRA to settle the debt out of court. Do this by making a free offer with SoloSettle to NRA and quoting an amount you’re willing to pay to clear the debt. Start at a lower amount than you have because NRA will respond with a counteroffer.

Learn more about debt settlement in this video:

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