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Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by 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.

When you beat Nationwide Recovery Services ^^

Summary: Is Nationwide Recovery Services suing you for a debt? SoloSuit can help you take a stand and win in court.

Expect Nationwide Recovery Services to contact you if you have an outstanding medical bill. They are a debt collection agency that works with healthcare and medical companies to recover unpaid accounts. They help individual practitioners and hospitals collect the debt from consumers who have fallen back on payments.

Nationwide Recovery Services (NRS) is an average-sized legitimate debt collection agency with a B- rating from Better Business Bureau (BBB) and has had 62 consumer complaints in the last three years. They also have a Google star rating of 1.4 out of 5 stars from 40 customer reviews. Despite the underwhelming performance reported by consumers, NRS boldly claims to have an average annual revenue of $22 million.

Most consumers find it challenging to convince NRS to stop contacting them or remove debt from their credit report. It is not impossible to get it done, and today we will give you practical steps to beat NRS and stop their calls or get them off your credit report. We will also give you tips on legal documents to use if NRS sues you.

How to stop calls from Nationwide Recovery Services

Debt collectors know that the best way to force you to make payments is to call countless times. They know receiving multiple calls throughout the day is frustrating and embarrassing, making it their number one means of getting you to write that check. It is no surprise if NRS calls you repeatedly and rarely stops, even if you specifically request that they stop calling.

You can use these successful methods to stop calls from NRS. Each method has been approved by the Fair Trade Commission (FTC) and Consumer Financial Protection Bureau (CFPB) as legal ways for consumers to get obnoxious debt collectors off their backs.

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 ignore consumers' verbal requests to stop calling and 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 stop Nationwide Recovery's annoying calls. If you plan to use one of these tactics, here the contact information for NRS:

Corporate Address:
Nationwide Recovery Services
5655 Peachtree Parkway
Norcross, GA 30092.

Phone number: 800-776-4600

Website: https://nrsagency.com/

Suppose NRS fails to comply with these actions. In that case, according to the Fair Debt Collection Practices Act (FDCPA), they will violate the law, which protects consumers from bad business practices carried out by collection agencies. Take action by submitting a complaint on the CFPB website and their BBB page.

How to convince Nationwide Recovery Services to remove a debt 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 fast NRS will validate the debt, and if you will dispute it.
How fast you pay the debt.

Once you go through the debt on your credit report, send a Debt Validation Letter to NRS requesting them to verify the debt in question. You need to confirm if the debt on the report matches the details on the validation notice. If they do not, 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.

If you verify the debt belongs to you and remember having 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.

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 receivership. Consumers usually panic at this stage, yet they have a fighting chance using SoloSuit's legal documents.

The first step in beating NRS 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 to evidence that:

The debt is not yours, or the figures are inaccurate.
NRS violated your consumer rights.
You had paid the debt in question.

In case you do not want to go to court, you can send SoloSuit's Debt Settlement Lawsuit Letter requesting NRS to settle the debt outside the court. 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 some of it.

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

Like we said, the first step to beating NRS in court is to respond to the lawsuit. Follow these three steps to respond to the case and win in court.

Answer each claim listed in the Complaint.
Assert your affirmative defenses.
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 SoloSuit to draft an Answer to 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 SoloSuit 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, and she won!

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:

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.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

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