Nationwide Recovery Systems Ltd or NRS 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 Nationwide Recovery Systems?
Nationwide Recovery Systems Ltd or NRS is an Accounts Receivable Management company based in Texas that specializes in third-party debt collection. NRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and illegal communication tactics. If you have been contacted by Nationwide Recovery Systems, make sure you understand your rights before taking action.
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Is Nationwide Recovery Systems a scam?
They’re legit. According to the BBB, Nationwide Recovery Systems, Ltd. is a legitimate collection agency founded in 1997. The BBB established a profile page for NRS two weeks after its founding date. NRS is listed as a collection agency that uses the alternate business names, HIS Financial Services, Ltd. and Tri-State Financial. Buzzfile estimates Nationwide Recovery Systems’ annual revenue at $22.1 million and the size of its headquarters staff at 150 employees, with an estimated 200 employees across all locations.
According to its website, Nationwide Recovery Systems “is a nationally recognized full-service commercial, healthcare, and consumer Accounts Receivable Management company.” NRS is “focused…on helping…clients maximize their cash flow and minimize their bad debt expenses.” NRS claims its strength is “resolving…customer payment challenges quickly, professionally, and with the utmost attention to protecting their brand.” NRS “takes pride in the over 2 billion dollars …they have collected.”
Who does Nationwide Recovery Systems collect for?
Nationwide Recovery Systems collects for a variety of industries. NRS’s healthcare division provides a full range of services, including medical billing; first-party representation; third-party collections; insurance claims verification, billing, follow-up, documentation, appeals, and resolution; hospital lien services; charity screening; and accounts receivable programs. NRS’s consumer division provides “1st and 3rd party collection services to a cross-section of departments within the financial services industry,” including credit card, auto, mortgage, consumer loan, and retail. In addition, NRS collects delinquent debts for the communications and energy industries; and federal, state, and municipal government agencies.
Finally, NRS’s commercial division collects delinquent commercial debts for construction companies; logistics companies; and distribution and merchandising companies. In addition, Nationwide Recovery Systems specializes in collecting delinquencies for service firms whose service provisions “carry a high risk of default.”
The Nationwide Recovery Systems website does not provide any information about its compliance policies or links or references to consumer protection resources, laws, or enforcement 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 Nationwide Recovery Systems
The BBB has closed 3 complaints against Nationwide Recovery Systems in the past three years, none of them in the past 12 months. Complaints alleged problems with billing and collections or customer service. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has closed 19 complaints against NRS. Justia lists at least 6 cases of civil litigation involving NRS.
Can Nationwide Recovery Systems 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 NRS 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!
Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Can you help me file a No Fee Lawsuit against Nationwide Recovery Systems?
Absolutely. Here are some Sample Complaints:
In 2018, a proposed class action was filed against Nationwide Recovery Systems for violating the Telephone Consumer Protection Act (“TCPA”) in an attempt to collect a debt from a consumer. The consumer was getting harassed with pre-recorded messages to her phone, and instructed NRS to stop calling. The calls continued according to the lawsuit.
Complaints against Nationwide Recovery Systems commonly cite problems resulting from disputes about billing documentation and communication tactics. In March 2017, a complainant indicated he had received a collection call from NRS, who attempted to identify the complainant by asking first for his date of birth, then for his social security number, and finally for his address. The NRS representative allegedly was trying to collect a medical bill in the amount of $562.74 for a date of service of February 10, 2014. The NRS representative allegedly told the complainant that they had previously contacted him in August 2016; that the item had been reported to the credit reporting agencies in March 2015; and that they had previously sent a collection letter. The complainant claimed never to have received any communication about the bill. The complainant indicated that he hung up on the representative and contacted the hospital directly, who informed him that the bill had been paid and that there was no balance due. Reviewing the details of the account prompted him to remember the earlier collection call, and that he had resolved the matter during the earlier call by confirming that the bill had already been paid. He had not pursued the matter any further until he received the call that prompted him to file the complaint.
Subsequently, the complainant once again called Nationwide Recovery Systems to resolve the matter a second time. The NRS representative answered the call with his name, prompting the complainant to assume that they had already identified him using caller ID, but they persisted in questioning him, asking for his date of birth and social security number, but he only confirmed his address. The representative allegedly “tried to say she couldn’t talk… if …he couldn’t give her” the information she requested, but when the complainant “told her …he had called the hospital and that her company was trying to collect on a bill that was paid in full,” the representative allegedly said NRS “had been called by the hospital and the matter has been closed.” The complainant indicated he was upset that he had been forced “to deal with this call at all;…that he had handled this matter at least once already;…that NRS should not be calling and asking for…his date of birth or SSN—even the last 4 digits; …and that he had asked for written information last year when they called,…but he had never received anything.
In response, NRS explained that “there were two accounts placed with them…The first…account…was closed and returned to the client.” As for the second account, during NRS’s first contact with the complainant, he had informed them “that the account… had been paid in full…NRS then received a call from the consumer…stating the account was 100% covered by insurance.” NRS then “received an e-mail from …the client informing NRS to close and remove the account from credit reporting, and NRS indicated that …the account was closed…and submitted for credit deletion.” The complainant accepted the resolution but indicated his frustration, stating that he did “not understand why it was …his responsibility to have the client contact the company, … and that there should be better communication between the client and collection agency.” He also suggested that NRS “check to see why…he was told this matter has been reported to the credit reporting agency…. because…he had not seen this on…his credit report, ever.”
Nationwide Recovery Systems 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 NRS 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.
“As we discussed on the phone earlier today, this settlement is perfectly okay to me. I need to thank you and all of your cohorts at Lemberg Law to get a project handled so professionally. Please allow Amy, the first person who contacted me from Lemberg, know how much I appreciate her efforts, kindness, and professionalism.”
“I won’t be afraid to contact you or recommend your services to others for applicable legal issues. Please keep up the outstanding work you do, and again, thank you for helping me through this challenging time. I’m most grateful. I can not say thank you enough!”
“I received outstanding professionalism from the own staff. I had a horrible experience when trying to solve a debt. 1 debt collector associate said she would speak to the prosecutor’s office and another representative told me that when I called the office back he would call the police and have me arrested. I had been insulted, mocked, and threatened, and feared that the police would appear at my door any given moment.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
Can You Help Me Delete Nationwide Recovery Systems from My Credit Report?
We can absolutely help. Call us today.
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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.