Dena Standley | October 19, 2022
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.
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:
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.”
If your situation changes unexpectedly and you are unable to keep up with debt repayment, try one of the following:
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.
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.
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.
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.
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:
501 Shelley Dr. Suite 300,
Tyler, TX 75701,
To learn more about debt validation, check out this video:
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.
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.
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.
These government provisions have all the information you need, from breaking down facts to protecting your rights. Spare some time to educate 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.
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.
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:
Check out this video to learn more about these six tips:
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.
"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
You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.
Here's a list of guides for other states.
Being sued by a different debt collector? Were making guides on how to beat each one.
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Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.