National Recovery Solutions

Who is National Recovery Solutions, LLC?

National Recovery Solutions, LLC (NRS) is a debt collection agency located in Lockport, New York.

You may see NRS listed on your credit report as a collections account. This can happen if you didn’t pay a bill.

Who does National Recovery Solutions collect for?

National Recovery Solutions focuses on collecting of higher education and government debt. National Recovery Solutions is also a subcontractor for the U.S. Department of Education.

Is National Recovery Solutions legit or a scam?

National Recovery Solutions is a legitimate company. However, they may repeatedly spam call, text, or email you.

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

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.

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

Lexington Law Firm is a credit repair company that helps people fix their credit.

In addition to collections, they can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include 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 Solutions, LLC Contact Information

Address:

National Recovery Solutions
6425 Dysinger Road
Lockport, NY 14094

Phone number: (888) 863-5498

Should I contact or pay National Recovery Solutions?

It’s best to avoid speaking to a collection agency on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.

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

Will National Recovery Solutions sue me or garnish my wages?

It’s possible, but if you work with a law firm like Lexington Law, you have nothing to worry about. They aid you in disputing the collection account with the credit bureaus, with the possibility of having it removed from your credit history. It’s also quite possible that you will never hear from or have to deal with National Recovery Solutions again.

Wage Garnishment

Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.

It is also illegal for National Recovery Solutions to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.

Is National Recovery Solutions hurting my credit score?

Any derogatory item on your credit report, including a collections account, may harm your credit score.

Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.

To get an account removed, you must file a separate dispute with each credit bureau; Equifax, Experian, and TransUnion, or it can negatively impact your credit score.

National Recovery Solutions, LLC Complaints

Most collection agencies have numerous complaints filed against them 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 a debt collector is harassing you, you may want to 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 the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with National Recovery Solutions

Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

• It is a violation of federal law for National Recovery Solutions 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. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
• National Recovery Solutions may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
• National Recovery Solutions must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
• National Recovery Solutions cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove National Recovery Solutions From Your Credit Report Today!

Lexington Law can assist you in disputing National Recovery Solutions collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.

If you’re looking for a reputable company to help you with collection accounts and repair your credit, consider working with Lexington Law Firm.

They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.