How to Protect Yourself Against Unfair National Recovery Debt Collectors

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Protect Yourself Against Unfair National Recovery Debt Collector with DoNotPay

Have you received a call from the ? National Recovery Agency is a provider of accounts receivable management services in the United States. If you have been late on your credit card, student loan, or utility payments, debt collectors who are eager to retrieve the unpaid sum from you may ultimately contact you.

Approximately 28% of persons having a credit report in the United States have debts collected by a third-party service. Regrettably, not all of these are trustworthy.

Whether you were j recently contacted or have been harassed for months, DoNotPay can help you determine whether your debt collector is compliant with the FDCPA.

What Is the National Recovery Agency Debt Collector?

Here are the contact details for the National Recovery debt collector:

CompanyNational Recovery Agency (
Mailing Address2491 Paxton St, Harrisburg, PA 17111-1036
Phone Number(800) 360-9953
Email or Contact

Is National Recovery Debt Collector A Scam?

Yes. The NRA Group, LLC (d/b/a National Recovery Agency, Inc) is legal. They are a medium-sized collection agency in the United States, created in Pennsylvania and Harrisburg, PA. NRA Group collects for businesses in the direct marketing, education, banking, healthcare, retail, telecommunications, and utility industries. They collect for more than 800 companies, including debt collectors.

What Are Your Rights When Dealing with the National Recovery Debt Collector?

Under the FDCPA, debt collectors must follow strictly regulated guidelines for collecting a debt. Some of the requirements include:

  • Not calling at unusual hours or places
  • Not exposing that you owe debts to friends, family, and employers
  • Communicating with your attorney if you have one rather than you
  • Respecting requests to stop all collection calls
  • Providing a written debt validation letter within five days of initial contact
  • Responding to all debt verification requests and pausing collections until the debt is verified

How to Respond to National Recovery Debt Collector

Find out the following when you're contacted:

  • The total amount owed, including any expenses such as interest or collection costs.
  • What is the debt for, and when was it incurred?
  • The original creditor's name.
  • The debt collector's identity, including name, address, and phone number.

Never give the caller your personal or financial information unless you are sure it is a real debt collector.

How to Deal with Debt Collections By Yourself

Here are the steps you should take when dealing with a debt collector on your own;

  1. Examine the debt validation letter to confirm the amount owing, the original creditor, the nature of the debt, and the collector's identification.
  2. If you have doubts or believe the debt is not yours, submit a debt verification request. If the debt's statute of limitations is approaching its end, it may be preferable to ignore the collection and wait it out.
  3. You have a few alternatives after you've validated the debt. You can.
  • Repay your debts.
  • Request that the debt collector refrains from contacting you.
  • They are legally compelled to stop contacting you once you make this request, but they may choose to escalate the issue by filing a lawsuit.
  • Please specify how you want them to contact you, whether through your lawyer or requesting that they not phone you at work.
  • If you suspect they've broken the FDCPA, contact the FTC and the Consumer Financial Protection Bureau.

How to Stop National Recovery Debt Collector with DoNotPay

DoNotPay will assist you in determining if your debt collector complies with the FDCPA, whether you were just contacted or have been hounded for months. We'll assist you in deciding what course of action to pursue after walking you through a series of questions, and we'll contact the debt collectors on your behalf with a demand letter. We'll file the complaint on your behalf if you want to report the collection agency to the Consumer Financial Protection Bureau.

Here's how it works:

  1. Search “debt collection” on DoNotPay.

  2. Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.

  3. Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.

And that’s it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We’ll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they’re no longer able to use unfair debt collection practices.

You can also check out our other credit products, including Credit Limit Increase and Clean Credit Report!

Why Use DoNotPay to Respond to the National Recovery Debt Collector?

You should use DoNotPay' because it is;

  • Fast-You won't have to waste long hours attempting to contact National Recovery debt collectors.
  • Easy-You won't have to waste time filling out lengthy and tiring documents or keeping track of all the stages required in replying to debt collectors.
  • Successful-You will be relaxed knowing that DoNotPay will present your case in the best possible way.

DoNotPay Works across All Entities/Companies/Groups with a Single Touch of a Button

DoNotPay can also help you with more than just National Recovery debt collector. DoNotPay can assist you in resolving the problem with a variety of different companies.

For example

  • DoNotPay can help with handling debt collections from NCO the same way it can with Midland Credit, RMP, or Caci.
  • Or it can help you learn about debt collection laws in Kentucky the same way it could for California.

What Else Can DoNotPay Do?

DoNotPay also offers these other services;

Are you being harassed by debt collectors? They may violate your consumer rights. DoNotPay can help you determine whether your debt collector complies with the FDCPA. After guiding you through a series of questions, we'll help you determine what course of action you should take and contact the debt collectors with a demand letter on your behalf. If you choose to report the collection agency to the CFPB instead, we'll file the complaint on your behalf. Contact today!

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