National Recovery Agency


Is National Recovery Agency hurting your credit score?

Schedule a free consultation to learn how to eliminate inaccurate and questionable negative information from your credit report.

Who is National Recovery Agency?

National Recovery Agency (NRA), also known as NRA Group, LLC, or American Agencies, LLC, is a reputable debt collection agency based in Harrisburg, Pennsylvania. With additional locations in Mechanicsburg and Panama City, Pennsylvania, as well as Orem, Utah, the agency provides nationwide coverage for debt collection services.

If you see the National Recovery Agency listed on your credit report as a collections account, it generally indicates that you have an outstanding bill that wasn’t paid.

Who does National Recovery Agency collect for?

National Recovery Agency serves a broad client base across several industries. For commercial clients, NRA recovers debt related to business-to-business transactions. They also work with government agencies to collect a variety of public debts, such as fines, fees, or unpaid taxes.

In the healthcare industry, NRA collects unpaid medical bills for hospitals, clinics, or other healthcare providers. For retail companies, they recover overdue payments on store credit cards or installment plans. Finally, they assist utility companies by collecting on unpaid bills for services like electricity, gas, water, or telecommunications.

Is National Recovery Agency legit or a scam?

National Recovery Agency is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove National Recovery Agency from my credit report?

National Recovery Agency collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(Though debt collectors may not want this widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

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Professional credit repair services assist people in getting their credit back on track.

They can help challenge inaccurate, unfair, or unsubstantiated information on your credit report, including collections, inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

National Recovery Agency/NRA Group, LLC Contact Information


National Recovery Agency
2491 Paxton St.
Harrisburg, PA 17111

Mailing address:

National Recovery Agency
P.O. Box 67015
Harrisburg, PA 17106-7015

Phone number: (800) 773-4503

Should I contact or pay National Recovery Agency?

Before contacting a debt collector, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.

The most effective way to deal with a collection agency is to work with a credit repair professional. They help remove millions of negative items every year from companies like National Recovery Agency on behalf of their clients.

Will National Recovery Agency sue me or garnish my wages?

National Recovery Agency (NRA) can file a lawsuit against you if you fail to pay a legitimate debt. If they win the case and a judgment is issued against you, they may be allowed to garnish your wages or levy your bank accounts, depending on your state’s laws.

However, a lawsuit is often a last resort for debt collectors due to the costs and time involved in legal proceedings. They would usually prefer to work out a payment arrangement with you.

National Recovery Agency Complaints

Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with National Recovery Agency, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.

Your Rights When Dealing with National Recovery Agency

Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:

  • It is a violation of federal law for National Recovery Agency to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
  • National Recovery Agency cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
  • National Recovery Agency must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
  • National Recovery Agency cannot threaten to have you arrested or imprisoned for unpaid debts.

Remove National Recovery Agency From Your Credit Report Today!

Credit Saint can help you dispute National Recovery Agency collection accounts. With over 15 years of experience, they have a proven track record of removing incorrect entries for many clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or call (855) 281-1510 for a free credit consultation to see what they can do for you.

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Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.