How to Resolve a National Recovery Solutions Lawsuit

Facing a lawsuit from National Recovery Solutions? You may feel anxious about your financial future. Take a deep breath.

You have legal rights and protections. Debt collectors must prove you owe the debt. You can make arguments and raise defenses that could help you win in court.

Who Is National Recovery Solutions?

National Recovery Solutions (NRS) is a debt collection company based in Charlotte, North Carolina. The company purchases charged-off debts from banks and other creditors at discounted rates. After purchasing these debts, NRS sues consumers to collect.

Many people are surprised when NRS contacts them. Most have never heard of the company. You might not remember making a purchase with them because you originally owed someone else.

Read Reviews for National Recovery Solutions

Explore what other consumers say about NRS before negotiating:

• The Better Business Bureau gives NRS an A- rating but does not accredit them
• Check reviews on the Consumer Financial Protection Bureau consumer database

Online reviews are mixed. Some consumers report positive experiences. One customer named Scooter shared:

“Anita was extremely prompt and helped me settle something for a lot better than I had feared and was extremely kind and empathetic and had both of us laughing at the end of the conversation and what else could you ask for while paying your debt!?”

You can work with NRS collectors if you remain open and honest. Many collectors accept lower payments when you face legitimate financial obstacles.

Who Does National Recovery Solutions Collect For?

NRS collects for multiple clients through its accounts receivable management department. Client industries include:

• Commercial clients
• Medical bills
• Banking clients
• Credit cards
• Retail collection
• Telecommunication

How to Beat National Recovery Solutions in Court

Want advice on winning in court? You can take specific actions to position yourself for victory. Simply responding to the complaint sets you apart from most consumers.

Failure to Respond Leads to Default Judgment

Debt collection lawsuits begin when NRS files a formal Summons and Complaint. The document alleges you owe a specific amount. Most consumers ignore the complaint because they don’t know how to respond.

Ignoring the lawsuit is a big mistake.

You must respond within 14 to 30 days, depending on your state. Failing to respond allows NRS to file for default judgment. If the court grants default judgment, NRS can:

• Place a lien on your personal property
• Freeze money in your bank account
• Garnish your wages

Don’t let this happen. Take action and file a formal response.

File a Written Answer

You need to file a written Answer with the court. Send a copy to the opposing attorney. You don’t need to hire an expensive lawyer. Our partner Solo can help you respond to the lawsuit.

Assert Your Affirmative Defenses

Highlight any deficiencies in NRS’s lawsuit. Your affirmative defenses can help you win. Request that NRS produce evidence showing:

• You are the person responsible for repaying the alleged debt
• NRS possesses the right to take legal action against you
• You owe the specific amount listed in the complaint

Requesting evidence is crucial. Large debt collection companies sometimes sue the wrong person. They often lack basic financial documents proving you owe the debt.

Consider the statute of limitations as an affirmative defense. The statute of limitations is the time period someone has to take legal action. If NRS filed after the deadline expired, you could file a motion for dismissal.

Filing the Answer blocks default judgment. But the answer is only your first step to resolve the case. Track your case’s progress through the court system.

Settle the Debt With National Recovery Solutions

The best way to resolve your debt is negotiating a settlement agreement. NRS likely purchased your debt for significantly less than the original amount. You may settle for much less than you initially owed.

Follow these steps to negotiate a debt settlement:

1. Review your personal finances and decide how much you can afford
2. Draft a debt settlement letter with your offer and payment date
3. Get a Settlement Agreement in writing signed by both parties
4. Pay the agreed amount in full and on time

Contact NRS to discuss your options. Our partner Solo can simplify this process by helping you create settlement offers and track correspondence.

National Recovery Solutions Must Follow the FDCPA

Debt collectors must follow federal law. The Fair Debt Collection Practices Act prohibits certain tactics. Debt collectors cannot:

• Make baseless threats about destroying your credit or arresting you
• Call you at work if your employer prohibits such calls
• Use inappropriate or profane language during phone calls
• Call before 8:00 am or after 9:00 pm
• Contact you multiple times per day or week
• Contact your family members or friends about the debt

If NRS used these tactics against you, document everything. You may be able to take legal action against the company.

Your Rights Under the Fair Debt Collection Practices Act

The FDCPA is a federal law enacted in 1977. The law protects consumers from harassment and threats by debt collectors. Under the FDCPA, you have the right to:

• Dispute a debt and request no further contact
• Tell collectors not to call you at work
• Request proof that a debt exists and the collector is authorized
• Be represented by an attorney in debt resolution cases

What to Do if National Recovery Solutions Sues You

Here is a summary of your action steps:

• Do not admit liability for the alleged debt
• File your Answer to the complaint within the court deadline
• Raise applicable affirmative defenses in your Answer
• Demand that NRS prove you owe the specific amount

You can resolve this lawsuit. Our partner Solo helps people respond to debt collectors every day.