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How to Resolve a National Recovery Solutions Lawsuit

George Simons | January 27, 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: If National Recovery Solutions is contacting you about an alleged debt, ask them to validate it in writing. If it’s a legit debt, negotiate with National Recovery Solutions agents to settle for less and resolve the matter. Solo can help you streamline the settlement process.

If you’re facing a lawsuit from National RecoverySolutions, you may feel anxious and uncertain about your financial future. This is perfectly understandable, but there are steps you can take to resolve the matter.

Don't give up hope! You have legal rights and protections if a debt collector like National Recovery Solutions sues you. You should know that debt collectors bear the burden of proof in debt lawsuits. This means you have the ability to make certain arguments and raise certain defenses where you could wind up prevailing over National Recovery Solutions in court.

Settle debt with National Recovery Solutions

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

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Who is National Recovery Solutions?

Many people are surprised when National Recovery Solutions sues them for a delinquent debt because most people have never heard of this company or have no recollection of making a purchase or taking out a loan with them. To help give you some insight into National Recovery Solutions, here is some general info on their operations:

National Recovery Solutions is a debt collection company based in Charlotte, North Carolina. It purchases charged-off debts from other companies and banks at a substantially discounted rate. Once purchased, National Recovery Solutions sues consumers hoping to collect on the debt.

Read online reviews for National Recovery Solutions

Explore what other consumers have to say about National Recovery Solutions (NRS) to prepare to negotiate with them:

Though online reviews are mixed, some consumers report a positive experience. The following review is from Scooter.

“Anita was extremely prompt and helped me settle something for a lot better than I had feared and was extremely kind and empathetic and had both of us laughing at the end of the conversation and what else could you ask for while paying your debt!?“

While not every encounter with a debt collector will end in laughter and resolution, it’s clear from Scooter’s example that you can work with National Recovery Solutions debt collectors if you’re open and honest about your ability to pay. In fact, many collectors will accept a lower payment if you’re facing obstacles that are making it hard to pay your bills.

Who does National Recovery Services, LLC collect for?

NRS collects for a multitude of clients through its accounts receivable management department, and it acts as a purchaser of charged-off debts. Client industries include:

  • Commercial clients
  • Medical bills
  • Banking clients
  • Credit cards
  • Retail collection
  • Telecommunication

Advice for beating National Recovery Solutions in court

If you are sued by National Recovery Solutions, you probably want advice on how to win in court. Fortunately, there are certain actions you can take to position yourself for victory. Most importantly, simply responding to the Complaint will set you apart from most consumers.

Failure to respond can lead to a default judgment

Debt collection lawsuits generally begin when a debt collector (i.e., National Recovery Solutions) files a formal Summons and Complaint alleging you owe a specific amount of money (i.e., the unpaid debt). The vast majority of consumers ignore the Complaint and do nothing, usually because they don't know how to respond. This, however, is a big mistake.

If you fail to respond to the Summons and Complaint in time (14-30 days, depending on which state the case is in), then National Recovery Solutions can file a default judgment against you. If the Court grants the default judgment, National Recovery Solutions will have the legal right to take the following actions against you:

  • Place a lien on your personal property (e.g., automobile);
  • Freeze the money currently in your bank account, and
  • Garnish your wages.

Don't let this happen to you! Take action and file a formal response to the Complaint.

File a written Answer

To avoid automatically losing by default judgment, you should file a written Answer with the court and send a copy to the opposing attorney. You may think you have to hire a lawyer to help you write your Answer and file it, but finding an attorney can be expensive and challenging. You can represent yourself with the help of Solo.

Assert your affirmative defenses

In your response, take the time to highlight any deficiencies and shortcomings in National Recovery Solutions's lawsuit. This section of your Answer is known as your affirmative defenses, and it can help you win. For example, you should request that National Recovery Solutions produce evidence (e.g., documents) showing the following basic information:

  • You are the person, in fact, responsible for repaying the alleged debt;
  • National Recovery Solutions possesses the right to take legal action against you
  • You owe the specific amount listed in the Complaint

Requesting evidence to establish these basic facts is important because it is not uncommon for these large debt collection companies to sue the wrong person or to lack basic financial documents that show you actually owe the alleged debt.

Use SoloSuit to make the right affirmative defense and win in court.

If applicable, you should also consider the expiration of the statute of limitations as an affirmative defense. The statute of limitations is essentially the amount of time someone has to take legal action against another person or company. If the facts of your case indicate that National Recovery Solutions filed a lawsuit after the expiration of the statute of limitations, you could file a motion to have the debt collection lawsuit dismissed. Solo can help you navigate this process and complete the necessary documents that should be filed with the court.

The lawsuit isn’t over until it is dismissed by the court or dropped by the plaintiff, so keep track of your case’s progress as it moves through the court system. Filing the Answer will block a default judgment, but it’s only the first step to resolve the case and settle your debt.

SoloSuit can help you file an Answer in all 50 states.

Check out Solo's debt lawsuit flowchart that outlines all the possible routes a debt lawsuit can take:

Settle the debt with National Recovery Solutions.

The best way to resolve a debt with National Recovery Solutions, LLC is to negotiate a settlement agreement. If NRS purchased your debt for significantly less than the original amount, you may be able to settle the debt for much less than what you initially owed. Follow these simple steps to negotiate a debt settlement.

  1. Review your personal finances and decide how much you can reasonably afford to offer to settle the debt.
  2. Draft a debt settlement letter to start the negotiation process. Include the amount you are offering to settle the debt and the date you can make the payment.
  3. Once you and National Recovery Solutions have reached a consensus, get a Settlement Agreement in writing and signed by both parties.
  4. Pay the amount you agreed to pay in full and on time.

To begin the debt settlement process, contact NRS to discuss your options. SoloSettle can simplify this process by assisting you in creating a settlement offer, tracking correspondence, and providing a secure method for sending payment once you reach an agreement.

Debt collectors like National Recovery Solutions have to follow the FDCPA

Here is an overview of some of the tactics that are prohibited under federal law. If you experience any of these, make a note and inform the debt collector that you’re aware of your rights. Debt collectors are prohibited from:

  • Making baseless threats such as claiming they can “destroy” your credit or that they can arrest you for breaking the law
  • Calling consumers at their place of work, especially if the employer prohibits such communications
  • Using inappropriate and profane language during phone calls
  • Calling consumers before 8:00 am or after 9:00 pm
  • Contacting consumers multiple times per day or week
  • Contacting consumers' family members or friends to discuss the debt

If you have been contacted by National Recovery Solutions or any other debt collector using the above tactics, you may be able to take legal action against the company. The Federal Debt Collections Practice Act grants you these rights.

You have rights under the Fair Debt Collection Practices Act.

The Fair Debt Collection Practices Act (FDCPA) is a federal law enacted in 1977 to protect consumers from harassment and threats by debt collectors who use abusive and unethical tactics to collect delinquent debt. Under the FDCPA, consumers have the right to:

  • Dispute a debt and request no further contact from a collection agency
  • Tell the debt collector not to call them at work if such calls are not permitted by the employer
  • Request proof that a debt exists and the collector is authorized to request payment
  • Be represented by an attorney in a debt resolution case

Takeaways on what to do if National Recovery Solutions sue you for a delinquent debt

Here is a general summary of what to do if a debt collection company like National Recovery Solutions sues you:

  • Do not admit liability for the alleged debt since the burden is on the debt collector to establish that you are, in fact, responsible for the amount owed.
  • Be sure you file your Answer to the Complaint within the time period provided by the court.
  • In your Answer responding to the Complaint, make sure you raise any applicable affirmative defenses (e.g., the statute of limitations) and demand that the debt collection company prove that you are responsible for the specific amount owed.

Good Luck! Solo is rooting for you!

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