Nations Recovery Center Inc or NRC is a debt collection agency which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Nations Recovery Center?
Nations Recovery Center or NRC is a third-party collection agency based in Atlanta, GA. NRC has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), including illegal communication tactics and failure to verify debts.If you have been contacted by NRC regarding past due financial obligations,make sure you understand your rights before responding.
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Is Nations Recovery Center a scam?
They’re legit. According to the Better Business Bureau (BBB), Nations Recovery Center, Inc. was founded and incorporated in 1991. The BBB opened its file in 2000. NRC is listed as a collection agency and provider of general business services.
According to its website, Nations Recovery Center is “licensed and insured throughout the United States…and maintains a professional approach to collections by utilizing innovative methods and continuously evaluating new procedures.” NRC “is committed to outperforming the competition” and bringing “the greatest return available while maintaining the professional standards our clients require.”
Who does Nations Recovery Center collect for?
As a full-service collection agency, Nations Recovery Center’s collection division utilizes skip tracing; early out programs; asset and income investigations; payment monitoring; and insurance follow-ups. NRC collects delinquencies for companies in the bank card; retail; medical; communications; insurance; commercial; auto deficiency; security; and consumer line of credit industries.
NRC’s Technology & Compliance page cites compliance with the Fair Debt Collection Practices Act (FDCPA); the Health Information Portability and Accountability Act (HIPAA); and the Gramm-Leach-Bliley Act (GLBA). They also indicate that they are nationally bonded, insured, and licensed and encrypt all data transfers. They are members of the Association of Credit and Collection Professionals (ACA), HFMA, and CLL.
However, they do not offer any information about their compliance policies or training programs. They have posted a required legal disclaimer identifying themselves as a debt collector, but they do not provide any links or references to consumer protection resources, laws, or agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Nations Recovery Center – NRC?
The BBB has closed 61 complaints against Nations Recovery Center in the past three years, with 21 complaints closed in the past 12 months. Most of those complaints allege problems with billing and collection. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 38 complaints against NRC. Justia lists at least 19 cases of civil litigation naming NRC as a defendant.
Nations Recovery Center, Inc. 6491 Peachtree Industrial Blvd. Atlanta, GA 30360 Telephone: (770) 234-0101 Website: http://www.nationsrecoverycenter.com/
Can Nations Recovery Center Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely NRC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
In December 2016, in United States District Court, Eastern District of Tennessee at Greenville, a judge issued a Memorandum Opinion in a case alleging Nations Recovery Center had violated the FDCPA. In this case, the plaintiff had received a collection letter that contained the following information about an alleged debt: “Atlantic Credit, Balance: $2,067.01.” The plaintiff allegedly received no further communication in that regard. The plaintiff subsequently received another letter from a different collection agency on behalf of a different creditor that used the same account number in an apparent attempt to collect the same debt. The second letter stated a current balance of $2,167.27 and was from Nations Recovery Center. This second letter was the cause of the December 2016 hearing. The plaintiff charged that the initial letter in this complaint “did not adequately state the amount of the debt and the name of the creditor to whom the debt is owed and that NRC violated the FDCPA “by failing to send her a follow-up letter containing that information within five days after the initial communication.”
Nations Recovery Center moved to dismiss the claim, arguing that the plaintiff had waited for more than a year from receipt of the first letter to file her complaint. However, the second letter was received several months after the initial letter; thus, the plaintiff’s complaint was determined to have been filed timely. Furthermore,by citing the higher balance in the second letter, the plaintiff argued that NRC had been adding interest to the original amount without stating as much. In addition, the second letter “references an unspecified reduced settlement offer but does not clarify whether the debt was continuing to accrue interest, nor does the letter specify a deadline by which the unspecified settlement offer must be accepted.”
Although the judge allowed that “it is certainly possible that the instant debt was not accruing interest while it was a collection account of NRC, that is a question for summary judgment rather than a motion to dismiss.” The judge concluded that the “plaintiff has—on the facts of this case—stated a claim upon which relief can be granted because the…initial letter did not state whether interest was accruing and, if so, the currently-applicable interest rate.” NRC’s motion to dismiss was denied and referred for further proceedings.
Nations Recovery Center NRC Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue NRC for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
“With your help the nagging collection calls have ceased! I was thrilled I was also able to get damages from the collection agency. I am unable to adequately express my joy. I am so thankful I made the call.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
“After speaking to one of the partners, and going over the plan of action, I felt I’d chose the perfect company to go to work for me. He was very accommodating in describing what was going to happen. I would strongly recommend Lemberg Law to anybody being hassled by debt collectors”
Can You Help Me Delete Nations Recovery Center NRC from My Credit Report?
Chances are good that we can help. Call us today and we’ll explain.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.