Niagara Restitution Services 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 Niagara Restitution Service?
Niagara Restitution Services (NRS) is a third-party collection agency based in New York state. NRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and using false or misleading information in an effort to collect a debt. If NRS has contacted you about past due financial obligations, make sure you understand your rights before you take action.
Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.
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Is Niagara Restitution Service a scam?
They’re legit. According to the Better Business Bureau (BBB), Niagara Restitution Service is a legitimate collection agency, founded and incorporated in 2010. The BBB established a profile page for NRS in 2011.
According to its website, NRS “makes it easy to resolve…account[s] by accepting payments over the phone or by mail.” NRS employs a “team of professionals [who] ensure…speedy recovery of delinquent accounts for…clients.”
The NRS website does not provide any information about the types of businesses or industries for whom they collect delinquent debts. The website also provides very little detailed information about NRS’s business practices; appears to have been very hastily written and assembled; and is somewhat disorganized and incomplete. The home page includes a web-based contact form and two links to additional pages on the NRS site. One link leads to the Recovery Services page; the other leads to the online payment portal.
The Recovery Services page contains a web-based contact form and the single statement, “Our team of professionals ensures speedy recovery of delinquent accounts for our clients.” The online payment portal includes a web-based contact form, a phone number, and a mailing address. The web-based contact from is not enabled for secure online payment submissions.
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 Niagara Restitution Services?
As of April 2019, the BBB has closed 30 complaints against Niagara Restitution Servicesin the preceding 3 years, with 13 complaints closed in the previous 12 months. Most of those complaints cited problems with billing and collections. Since November 2015, the Consumer Financial Protection Bureau (CFPB) has closed 13 complaints involving NRS. Justia lists at least 3 cases of civil litigation involving NRS.
Can Niagara Restitution Service 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 Niagara Restitution Service?
Absolutely. Here are some Sample Complaints
Complaints against Niagara Restitution Services cite problems resulting from allegations of harassment and prohibited collection tactics. In March 2019, a complainant said she had “been contacted by NRS several times,” both on her mobile phone and “other numbers on file.” Allegedly, the NRS representative “left extremely rude messages…and threatened the complainant with being arrested.” The complainant stated that the voicemails she had received included accusations that the complainant was deliberately ignoring the NRS representative and that she knew why NRS was calling. The complainant said she could “handle the phone calls and voicemails, but the threats and scare tactics are not professional or appropriate.” The complainant “asked the company for an itemized statement,” but the representative “stated in her voicemail that they will not provide her with one until she agrees to pay them.” The complainant stated that she “believes it is her right to request proof that she owes the debt before committing to a payment,” and that NRS “is horrible and the people that represent them do an even worse job.” In response, NRS stated they had “been in business for 10 years going on 11, and the only complaint that you will see on the BBB are people who do not want to pay their loan back.” NRS also stated that “at this time they have closed the account,” and that “no more calls will be made.”
In December 2018, a complainant stated that Niagara Restitution Services representatives “called and threatened her husband with legal action and showed up to her house to have him served over a debt.” The complainant alleged further that when she tried to speak to an NRS representative “the lady tried to talk over” her when she was trying to explain that her husband had been a victim of identity theft. She stated that she was extremely upset and shocked that a business was allowed to conduct itself in a way that was clearly illegal. She said she had had previous experience dealing with unethical debt collectors but could “only imagine how NRS treats elderly people and very young adults who don’t have any experience in dealing with a debt.” In response, NRS said the consumer had taken out a “loan with one of their creditors.” They also said they “will go ahead and close out the account, and that no more calls will be made.”
Also in December 2018, a complainant stated that she had “received a call from Niagara Restitution Services stating that she had a payment that was supposed to be taken out.” The complainant “explained…that she had spoken to someone, and that this payment… had been rescheduled,” but the NRS representative allegedly said “that was not the case and… threatened the complainant with a court order, …saying that ‘it was still up in the air for the court summons.’” The complainant also alleged that the NRS representative “began to start getting nasty and…told her that there were fees for not making a full payment, which the other representative had failed to mention.” The complainant asked for a “copy of a payment schedule,” but the NRS representative said that no such statements were available, and that the complainant would have to keep track of balance information herself. In response, NRS agreed to work with the complainant to set up a payment schedule.
Niagara Restitution Services 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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These 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.
Stop Debt Collection Harassment
You may have a case, if…
You are receiving multiple calls per week from third party collection agencies
You are receiving early morning or late night calls from debt collectors
You are receiving calls at work from a debt collection agency
Debt collectors are calling your friends, neighbors, or coworkers
Collectors are threatening you with violence, a lawsuit, or arrest
A debt collector attempts to collect more than you owe
You are being threatened with negative credit reporting
A debt collector attempts to intimidate you
Criminal accusations are being made towards you
Use of obscene language during an attempt to collect
Automated robocalls are being made to your phone in an attempt to collect
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Can You Help Me Delete Niagara Restitution Services 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.