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.
The harassing company pays our fees.
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.”
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.
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.
Nationwide Recovery Systems, Ltd.
501 Shelley Dr., Ste. 300
Tyler, TX 75701
Telephone: (800) 458-6357
Website: http://www.nationwiderecoverysystems.com/
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!
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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
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.”
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).
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.
You may have a case, if…
“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.”
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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NRS left a voice-mail on my cell phone saying the message was solely intended for me (first and last name) and that he was a legal courier who had legal documents attached to my name and social security number and that he was scheduled to deliver these documents to my residence or place of employment the following day in the afternoon. He told me what time and to make arrangements for his arrival, unless he received a ‘stop’ instruction stating the matter had been resolved. He said that inability to deliver said documents would be processed as a ‘direct refusal’ and I would be subject to a summons to court and the ensuing fees for that and/or attorney fees. When I returned his call I was informed that it was in regard to a delinquent back account with Wachovia from over 2 decades ago that “had apparently slipped through the cracks” in the amount of $1070.00. He said I had two options: either pay it in full right then or that day in order to place a ‘stop’ instruction to the legal courier, OR refuse and be subject to potentially 3 times more than the indicated amount after court fees and attorney costs. I had just had my credit run 4 months prior when I bc l bought a new car and it was non existent, no bad credit at all, just no credit. I told him this to which he replied that yes this was an attempt to collect the debt so as to avoid reporting or to my credit and negatively affect my report as a result. I argued that it felt like a scam and that any and all credit card debts, etc that I’d ever had had been paid in full over 2 decades ago, but I was scared of someone potentially showing up to my place of employment to give me a notice of suit or something so I angrily paid it. Did I screw up??
They keep calling me and today they called me minutes after 8 am. Can they call more later time? I need my sleep ..I suffer from anxiety ..please if you can do something about this send me a text. I no longer will be using my phone for calls so I can get some sleep. Thanks. Or email me. Ty and sorry.
NRS called me last week but it was someone in India. I asked if I could speak with someone in the USA and they told me no and told me that “ I just need to pay my f’n debt” and how much of a sorry piece of s*** I am. I thought that was very rude so I hung up. Today I received an email stating that had added a collections account to my credit report. I called them this morning, a lady transferred me to someone in India and he transferred me to his supervisor in India. Again, I asked if I could speak with someone from the US and he told me no because “his department is a different department “. I let him know that I had received a called last week from one of his agents and was cursed out. He stated that if this doesn’t have to do with the debt that’s owed that I should get off of his phone. I felt that was really rude so once again, I hung up. I don’t even know what the debt was for. NEVER received a letter nor even heard of this company until last week. Can someone help? Also, why are people in another country handling this???
If you did not get a letter in the mail from NRS, but a call from NRS then you can just disregard and hang up the phone. All legal businesses are always handled professionally through mail as all information are sensitive and personal. Do not make any payments over the phone as this is not done so professionally and is not secured. Never give out your bank accounts, credit or debit card, social security, etc. Should you get a phone call from NRS, it is a scam. Disregard it, hang up and black the number. You could even have a lawyer handle the business in a professional state and investigate the scam call. I got a call that said I owe $505 but if I pay $308.33 then NRS would not make me pay the rest. Bullshit.
NRS has reported me to a the Credit Breau on a medical bill thhe claim was 2016 but I havent recieved any letters or nothing. That’s was four years ago.if you gone harrass for a 4 year old bill I have no knowledge of then that’s not tolerated. I will be contacting g somebody cause it’s not right.
Nationwide Recovery Systems calling harassing family members. NRS refused to speak with me today and hung up on me when I refused to give them my info first .
Nationwide Recovery Systems have been calling me saying im going to jail if i don’t settle my debt or make payments . But wouldnt give me much details
Is it not illegal to robocall a cell phone? I get numerous a week.
NRS has erroneously reported a false debt to TransUnion. How do Is get this information deleted from my TransUnion Credit Report?
Ive received 19 calls from NRS on Monday in 1 minute time. Today, my phone logged 13 calls from them in a 2 minute time span. When I called them back to ask why that many calls were made, the rep told me that was impossible. So apparently, I cant count or tell time. I asked for an email address to send a screenshot of the calls and was immediately transfered to a manager who blamed it on the computer system. He even said they were harrassing calls and said he would put in a notice for my number to be removed from the system. If this is a debt collector, youd think theyd want to make sure I am the client they are referring to 1st before blocking my number, however, good riddance.