Debt collectors like National Recovery Solutions, LLC cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.
THE BEST PART IS…
If National Recovery Solutions violated the law, you will get money damages and National Recovery Solutions will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.
Who is National Recovery Solutions?
National Recovery Solutions, LLC is a nationally-licensed debt collection service which focuses primarily on student and government debt and is based in Lockport, New York; it is also a current subcontractor for the U.S. Department of Education. Founded in 2006, National Recovery Solutions is not accredited by the Better Business Bureau and has received numerous complaints from consumers for billing/collection problems.
National Recovery Solutions’s Address, Phone Number, and Contact Information
National Recovery Solutions’s corporate office is located at 6425 Dysinger Road, Lockport, NY 14094. The P.O. Box for NRS’s Department of Education Division (National Recovery Solutions, LLC C/O Coast Professional, Inc.) is P.O. Box 2899, West Monroe, LA 71294. The main telephone number is 888-863-5498 and the main website is www.nrsolutionsllc.com/.
Phone Numbers Used by National Recovery Solutions
Like many debt collection agencies, National Recovery Solutions may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers National Recovery Solutions may be calling you from:
National Recovery Solutions Lawsuits
If you want to know just how unhappy consumers are with National Recovery Solutions, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display nearly 50 lawsuits filed across the U.S., most of which involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).
National Recovery Solutions Complaints
The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If National Recovery Solutions is harassing you over a debt, you have rights under the FDCPA.
The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if National Recovery Solutions violates the TCPA. Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.
The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If National Recovery Solutions took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. National Recovery Solutions, like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did National Recovery Solutions continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to? If so, we can discuss your rights and potential case under the EFTA.
The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If National Recovery Solutions is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it; this is commonly known as “pay for delete.” If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.
Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.
How do we Use the Law to Help You?
We will use state and federal laws to immediately stop National Recovery Solutions’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if National Recovery Solutions violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.
THAT’S NOT ALL…
We have helped hundreds of consumers stop phone calls from National Recovery Solutions and we know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.
What if National Recovery Solutions is on my Credit Report?
Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead of the debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.
THE GOOD NEWS IS…
If National Recovery Solutions is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.
If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.
Complaints against National Recovery Solutions
If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by National Recovery Solutions. Here are some of the BBB reviews and complaints against National Recovery Solutions:
- “I am being harassed and threatened by this agency. I am being called daily in regards to a collection that is not mine. I tried to submit proof from the original creditor but the agent slandered me and insulted me instead. My father is being called multiple times as well in regards to the account. My personal information was given to a family member.”
- “I am being harassed about a debt that is not mine. I asked [the rep] not to contact me and to remove my number after clearly stating I am not the person she is looking for, she continued to call my cell phone twice after being told to cease contact and further called my place of employment. Pictures of phone calls and a recording of the conversation can be provided.”
- “This company has been harassing me on my own phone. They call and keep asking for Daytona, I don’t know who Daytona is…this company has repeatedly called me as I informed them they have the wrong number and they say they’ll take care of it and hang up. Now they have called multiple times and hang up when they hear my voice.”
Cases We’ve Handled against National Recovery Solutions
I THINK YOU’LL AGREE WITH ME WHEN I SAY…
Threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here are some cases we’ve handled against National Recovery Solutions:
- Rafaela V. v. National Recovery Solutions – In January 2018, Rafaela of San Bernardino County, California, pursued a claim against National Recovery Solutions for violations of the Fair Debt Collection Practices Act (FDCPA) and Rosenthal Fair Debt Collection Practices Act (RFDCPA). Complaints included “harassing, oppressive, and abusive” conduct in connection to an alleged debt, harassing phone calls to the plaintiff and her spouse, and ongoing harassment after NRS received a cease-and-desist letter. The case was resolved in that same month and Rafaela was happy with the settlement.
- Danial V. v. National Recovery Solutions – In May 2017, Danial of Columbiana County, Ohio, pursued a claim against National Recovery Solutions for violations of the Fair Debt Collection Practices Act (FDCPA) and Electronic Fund Transfer Act (EFTA). Complaints included unlawfully threatening to garnish wages and withdrawing funds from the plaintiff’s account without prior authorization. The case was settled in July 2017 and Danial was happy with the results.
- William B. v. National Recovery Solutions – In June 2014, William of Maricopa County, Arizona, pursued a claim against National Recovery Solutions for violations of the Fair Debt Collection Practices Act (FDCPA). Complaints consisted of harassing phone calls at odd/inconvenient hours, including after the plaintiff requested that the calls stop, for a debt which did not belong to him. The case was settled in July 2014 and William was pleased with the outcome.
What Our Clients Say about Us
“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”
“Agruss Law Firm was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!”
“Agruss Law Firm was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”
Can National Recovery Solutions Sue Me?
Although anyone can sue anyone for any reason, we have not seen National Recovery Solutions sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If National Recovery Solutions has threatened to sue you, contact Agruss Law Firm, LLC as soon as possible.
Can National Recovery Solutions Garnish my Wages?
No, unless they have a judgment. If National Recovery Solutions has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If National Recovery Solutions has threatened to garnish your wages, contact our office right away.
National Recovery Solutions Settlement
If you want to settle a debt with National Recovery Solutions, ask yourself these questions first:
- Do I really owe this debt?
- Is this debt within the statute of limitations?
- Is this debt on my credit report?
- If I pay this debt, will National Recovery Solutions remove it from my credit report?
- If I pay this debt, will the original creditor remove it from my credit report?
- If I pay this debt, will I receive confirmation in writing from National Recovery Solutions for the payment and settlement terms?
These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with National Recovery Solutions, we at Agruss Law Firm are here to help you.
Share your Complaints against National Recovery Solutions Below
We encourage you to post your complaints about National Recovery Solutions. Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!
HERE’S THE DEAL!
If you are being harassed by National Recovery Solutions over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Agruss Law Firm at 888-572-0176 to stop the harassment once and for all.