National Recovery Solutions


Is National Recovery Solutions hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is National Recovery Solutions, LLC?

National Recovery Solutions, LLC (NRS) is a debt collection agency based in Lockport, New York. As a part of their services, NRS helps businesses recover their debts, particularly those that have become challenging to collect.

If you find NRS listed on your credit report as a collections account, it’s an indicator of an unpaid debt that has been transferred to this agency for collection.

Who does National Recovery Solutions collect for?

National Recovery Solutions primarily specializes in the collection of higher education and government debt. This includes unpaid student loans, tuition fees, and other financial obligations related to the education sector.

National Recovery Solutions also functions as a subcontractor for the U.S. Department of Education. This role involves assisting the department in the collection of unpaid federal student loans and ensuring compliance with federal regulations while doing so.

Is National Recovery Solutions legit or a scam?

National Recovery Solutions is a legitimate 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 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.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help 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


National Recovery Solutions
6425 Dysinger Road
Lockport, NY 14094

Phone number: (888) 863-5498

Should I contact or pay National Recovery Solutions?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

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?

National Recovery Solutions (NRS) can legally initiate a lawsuit for the recovery of unpaid debts. If they win the lawsuit, they may obtain a judgment that could potentially grant them the right to garnish your wages, levy your bank account, or pursue other forms of debt collection, based on your state’s laws.

However, a lawsuit is typically a last resort due to the process being time-consuming and costly. Often, NRS may prefer to negotiate a payment plan or reach a settlement agreement.

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 FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it 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!

Credit Saint can assist you in disputing National Recovery Solutions collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless 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 give them a call at (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.