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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.

You when you beat Nationwide Recovery Systems ^^

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

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

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.

Despite several bad reviews, the company is legitimate. So how can you beat Nationwide Recovery Systems? First, let us see what consumers think of the company.

Why does Nationwide Recovery Systems have bad customer reviews?

Debt collectors are seldom popular. If you are late on payments, the last thing you want is to put up with constant reminders of how bad things are. As if calls are not enough, some callers are rude and hard to please.

You can find NRS customer reviews on Google and their BBB profile.

The company has an average of 1.8 out of 5 stars on Google from 205 customer reviews. NRS has been BBB accredited since 2017. They have a rating of B+ and an average 1-star customer review.

As of 2022, Nationwide Recovery Systems has received 194 complaints on its BBB profile in a three-year period. Even worse, in that same time period, the Consumer Financial Protection Bureau has reported 501 complaints against NRS. These complaints are about:

Callers asking for consumers' details over the phone.
Reporting fake bills to the Credit Reporting Agencies (CRAs).
Spam calls.
Putting consumers on hold for too long whenever they call in.
Reporting fraudulent debts to the credit bureaus.
Failing to validate a debt after formal requests from consumers.
Calling multiple times each day to collect a debt.

Let's take a look at a real example from the CFPB complaint database.

Example: “I received medical care on XX/XX/20 and was billed accordingly. I was paying the bill every single month without ever missing a payment, yet the bill was sent to collections. Upon learning of the bill going to collections, I contacted The XXXX XXXX XXXX directly and on XX/XX/20 I spoke with a XXXX XXXX XXXX who assured me this was all a mistake and it would be removed from collections. Several weeks went by and I paid the entire bill in full and yet the collections statement remained. On XX/XX/20 I contacted XXXX XXXX XXXX XXXX XXXX again and spoke with XXXX XXXX who assured me it should be gone from my credit report within the next few days. I then contacted the Nationwide Recovery Systems and they told me that it was still showing up even though I had paid it in full, but to allow them a few weeks to process everything. Fast forward to present day and I have contacted the Nationwide Recovery Systems , LTD every single day via telephone in order to resolve this matter. I have consistently been hung up on, disconnected and placed on hour long holds without any resolution. At this point this is fraud. The bill has been paid in full for almost an entire year. The debt was NEVER in default to begin with and was fraudulently sent to collections in the first place.”

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. 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)

SoloSuit can help you represent yourself

SoloSuit 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.

We also assist you when sued by a debt collection agency. Aside from Debt Validation Letter, SoloSuit has prepared various documents to make dealing with debt collection more straightforward.

The Answer document helps you respond to a debt lawsuit against Nationwide Recovery Systems. Send this within 14-35 days of receiving a court summons.
Debt settlement letter requests NRS and other debt collectors to settle debt out of court.
Request a Motion to compel arbitration if your credit agreement has an arbitration clause to force the lawsuit out 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.

Respond to a debt lawsuit against Nationwide Recovery Systems

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:

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.
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.
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.
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.
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.
Sign it. Most courts reject any legal documents without signatures, which is why this last step is so crucial.

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

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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