How to Beat National Recovery Agency

Edited by Hannah Locklear

“Yay! Another call from a debt collector!” — said no one ever.

Dealing with debt collectors like National Recovery Agency (NRA) is no fun, and if they are coming after you incessantly, you are not alone.

On their website, NRA states that they endeavor to help consumers have a pleasant experience with them. But that is far from the truth for some consumers. NRA aggressively collects debt and sometimes uses methods that go against the Fair Debt Collection Practices Act (FDCPA).

Knowing your rights means you do not have to endure their harassing calls or emails. You can fight back. Today, SoloSuit will give you several ideas of how to beat the National Recovery Agency in whichever stage of the collection process you are in.

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

NRA nationwide services has enabled it to gain the trust of companies. That’s why NRA goes the extra mile to make its clients happy by persuading, or even forcing, you to make payments. As a result, the company has received multiple complaints on various platforms.

Complaints against National Recovery Agency

National Recovery Agency has received over three hundred complaints on the Consumer Financial Protection Bureau (CFPB) complaints database and a hundred on their Better Business Bureau (BBB) page. Complaints range from talking to unprofessional debt agents, having an inaccurate debt entered on their credit report, failing to honor their promise after settling a debt, and contacting consumers several times a day. The following is an example of a consumer complaint from the CFPB database.

“I received a call from National Recovery Agency. The debt collector was rude. I told him that if I were to pay this debt, I would contact the actual company. He told me this debt would be sent to my credit report, and I had to pay them. I ended the call, and then he flooded my text messages with texts from the company.”

Beating NRA is possible, more so if they violate your rights. They assume consumers do not know their consumer rights and sometimes abuse their position to get their way. So, what rights do you need to know and use in your favor?

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 guidelines protect you from being harassed or taken advantage of by NRA representatives. 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

If NRA violates any of these guidelines, submit a complaint against them on their BBB profile and CFPB website. You can also report them to the Fair Trade Commission page and your state’s attorney general's office.

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.

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.

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.

Negotiate debt settlement 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:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

• Alabama
• Alaska
• Arizona
• Arkansas
• California
• Colorado
• Connecticut
• Delaware
• Florida
• Georgia
• Hawaii
• Idaho
• Illinois
• Indiana
• Iowa
• Kansas
• Kentucky
• Louisiana
• Maine
• Maryland
• Massachusetts
• Michigan
• Minnesota
• Mississippi
• Missouri
• Montana
• Nebraska
• Nevada
• New Hampshire
• New Jersey
• New Mexico
• New York
• North Carolina
• North Dakota
• Ohio
• Oklahoma
• Oregon
• Pennsylvania
• Rhode Island
• South Carolina
• South Dakota
• Tennessee
• Texas
• Utah
• Vermont
• Virginia
• Washington
• West Virginia
• Wisconsin
• Wyoming

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

• Absolute Resolutions Investments LLC
• Accredited Collection Services
• Alliance One
• Amcol Clmbia
• American Recovery Service
• Asset Acceptance LLC
• Asset Recovery Solutions
• Associated Credit Services
• Autovest LLC
• Cach LLC
• Cavalry SPV I LLC
• Cerastes LLC
• Colinfobur
• Covington Credit
• Crown Asset Management
• CTC Debt Collector
• Cypress Financial Recoveries
• Delanor Kemper & Associates
• Eagle Loan of Ohio
• Educap
• Estate Information Services
• FIA Card Services
• Forster & Garbus
• Freshview Solutions
• Fulton Friedman & Gullace LLP
• Harvest Credit Management
• Howard Lee Schiff
• Hudson & Keyse LLC
• Integras Capital Recovery LLC
• Javitch Block
• Jefferson Capital Systems LLC
• LVNV Funding
• Mannbracken
• Mariner Finance
• Medicredit
• Michael J Adams PC
• Michael J Scott
• Midland Funding LLC
• Mullooly, Jeffrey, Rooney & Flynn
• Mountain Land Collections
• MRS Associates
• National Collegiate Trust
• Nationstar Foreclosure
• Northstar Capital Acquisition
• NCEP LLC
• NRC Collection Agency
• OneMain Financial
• Palisades Collection LLC
• Pallida LLC
• Paragon Revenue Group
• Pinnacle Collections Agency
• PMAB LLC
• Portfolio Recovery Associates
• Provest Law
• PYOD LLC
• Reunion Student Loan Finance Corporation
• Revenue Group
• Regents and Associates
• RSIEH
• Salander Enterprises LLC
• Second Round Sub LLC
• Security Credit Services
• Sherman Financial Group
• Suttell and Hammer
• T-Mobile
• Transworld Systems
• Tulsa Teachers Credit Union
• UCB Collection
• Velo Law Office
• Velocity Investments
• Waypoint Resource Group
• Weinberg and Associates
• Wolpoff & Abramson

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

• Bank of America
• Capital One
• Chase
• Credit One Bank
• PayPal Synchrony Card
• SYNCB/PPEXTR
• Synchrony Bank
• Target National Bank
• Wells Fargo

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court