How to Resolve Debt with Nationwide Recovery Services
You can resolve debt with Nationwide Recovery Services by validating the debt first, then negotiating a reduced settlement amount. Always get agreements in writing and consider using professional help to respond to lawsuits within the required timeframe.
Answer Your LawsuitSummary: Settle debt with Nationwide Recovery by validating it first, negotiating a reduced payment plan, securing a written and signed agreement, and paying the debt off as outlined in the agreement. Our partner Solo can help with all this and more.
Unpaid debt can be overwhelming. It might keep you up at night, especially when a debt collector calls.
Being Sued by Nationwide Recovery Services?
Don't let Nationwide Recovery Services get a default judgment against you. Respond to your lawsuit in 15 minutes and start settlement negotiations today.
Respond to Lawsuit NowGetting your finances back on track feels impossible sometimes. But that’s not necessarily true.
Staying optimistic and cooperating with the debt collector helps. You can resolve the debt faster than you expect.
Nationwide Recovery Services is one such debt collector. Their primary aim is finding practical solutions to recover their clients’ money. They allow you to repay the debt in a way that fits your budget.
For instance, they often agree to debt settlement. You pay less than what you owe.
Various ways exist to resolve your debt with Nationwide Recovery Services. But first, what is Nationwide Recovery Services, and who do they collect for?
What is Nationwide Recovery Services?
Nationwide Recovery Services (NRS) is an early-out and third-party bad debt collection agency. Their operations center is in Cleveland, Tennessee.
Early-out debt collection means the original creditor doesn’t wait months before following up. They hire NRS to politely remind you to pay the debt. Contact happens days or weeks after you stop making payments.
NRS also follows up on “bad” debts that remained unpaid for months or years. If you see NRS on your credit report and don’t remember recent purchases, it could be old debt.
Use a Debt Validation Letter to acquire the details. Make sure the debt belongs to you.
Who Does Nationwide Recovery Services Collect For?
Since they mainly handle debts still in early collection stages, they often work with healthcare clients. These clients typically include:
- Hospitals
- Clinics and private practices
- Dental and orthodontic offices
- Pharmacies
- Home healthcare agencies
- Telehealth companies
If you see NRS on your credit report, it could be a medical bill. NRS also collects for utilities and financial services.
Read Nationwide Recovery Services Reviews Online
What others say about a company helps you devise a plan. You can gauge the likelihood of reaching an agreement.
The following are reviews from consumers about NRS:
- NRS reviews with the CFPB consumer database
- NRS reviews with the Better Business Bureau
- NRS reviews on Google review
Even though the reviews may cause mixed reactions, some consumers had positive experiences. Here is an example from Alison, who posted a review on Google.
“I had a doctor’s bill to take care of with no account information. I was assisted quickly and easily. Nice agent, painless phone bill pay!”
From the above review, you can see the NRS agent’s desire. They want to help you pay your debt and become debt-free.
Alison’s lack of account information didn’t hinder her payment. The agent had the details she needed.
What to Do When Nationwide Recovery Services Calls
It’s always best to keep correspondence in writing. Written records avoid confusion over repayment plans, settlement negotiation, or debt information.
The following methods have been approved by the FTC and Consumer Financial Protection Bureau. Consumers can legally inform debt collectors about communication preferences:
- Request NRS to communicate in writing: The next time a collector calls, ask them to send debt information via email or US certified mail. Tell them you will not take action until they send everything in writing.
- Send a cease and desist letter: Sometimes, debt collectors continue calling even after requesting written follow-up. If NRS calls again after this request, send a cease and desist letter. Inform them they will violate your rights if they call again.
- Request NRS to validate the debt: Debt validation helps clarify that the debt is rightfully yours. It confirms the figures are accurate. Send a Debt Validation Letter to get this information. You ensure you won’t pay somebody else’s debt. NRS may stop calling if they don’t receive enough information from the original creditor.
Any of these three methods help transition communication to writing. If you plan to use these methods, here is Nationwide Recovery Services contact information:
- Phone number: 800-776-4600
- Corporate Address: 5655 Peachtree Parkway, Norcross, GA 30092
- Website: https://nrsagency.com/
How to Remove Nationwide Recovery Services from Your Credit Report
Most debt collection agencies contact you when debt is already on your credit report. It’s in your best interest to address it promptly.
Addressing the debt improves your credit score. You’ll need this if you plan to apply for new credit.
Removing a debt from your credit report depends on:
- The relationship you have with NRS
- The time taken to respond to NRS attempts to collect
- How quickly NRS validates the debt and whether you dispute it
- How fast you pay the debt
Once you review the debt on your credit report, send a Debt Validation Letter. Request they verify the debt in question.
You need to confirm the debt on the report matches validation notice details. If the details don’t match or are missing, send a debt dispute letter to the credit bureaus.
You can also dispute the medical debt with the three credit bureaus. Do this if you believe the validation notice from NRS contains errors. Highlight the errors and send a debt dispute letter with the pages containing errors.
The bureaus will look into it. They’ll update the debt or remove it from your report.
Settle the Debt with Nationwide Recovery Services
If you verify the debt belongs to you, your next move is clear. Make plans to pay.
You can negotiate a payment plan to pay less than the original debt. You can start the negotiation at 30-40% of the debt. Try not to go beyond 50-60%.
If they agree to the lowered figure, they’ll expect quick payment. They may want the entire debt or three-quarters upfront. You’d pay the remaining balance within a short period.
In addition to this agreement, you can request a pay-for-delete agreement. They take the debt off your credit report once you repay it.
What if Nationwide Recovery Services Sues Me?
NRS may decide to sue you if their attempts fail. They will deliver the lawsuit. You have to sign the delivery note to confirm receivership.
Consumers usually panic at this stage. Yet they have a fighting chance using our partner Solo legal documents.
The first step is to respond to the lawsuit. Send an Answer within 14-30 days of receiving the lawsuit.
If you delay, a default judgment will be granted against you. With a default judgment, Nationwide Recovery can garnish your wages. They can freeze your bank accounts and even put liens on your property.
Responding to a debt lawsuit quickly is critically important.
After sending your written Answer, decide whether you want to fight in court. Fight especially if you have evidence that:
- The debt is not yours, or the figures are inaccurate
- The debt has exceeded the statute of limitations
- NRS violated your consumer rights
- You had paid the debt in question
It typically benefits consumers and plaintiffs to avoid court. Settle the debt outside of court instead.
However, once the lawsuit has been filed, you’re responsible for meeting court deadlines. You must produce documents and attend hearings until the debt is settled. The lawsuit must be formally dismissed.
To avoid court, use Solo to start settlement negotiations as soon as you file your Answer. Negotiate a settlement plan to pay less than the original debt.
You avoid paying additional court fees. Debt collectors like Nationwide Recovery usually purchase debts for pennies on the dollar. They still profit when you pay off a percentage of the debt.
Debt settlement can be a good option. You just need to afford a portion of the debt.
Use Three Steps to Respond to a Lawsuit from Nationwide Recovery
As we said, the first step is responding with an Answer. Follow these three steps to respond to the case and win in court.
- Answer each claim listed in the Complaint
- Assert your affirmative defenses
- File the Answer with the court, and send a copy to Nationwide Recovery
Example: Jenny was sued by Nationwide Recovery Service for medical debt in California. The debt was from nine years ago. She never heard anything from NRS until the court documents arrived.
She used Solo to draft an Answer to the lawsuit. She responded to each claim against her and asserted her affirmative defenses.
One of these defenses was the statute of limitations having passed on the debt. In California, the statute of limitations on medical debt is four years. The lawsuit was invalid.
Finally, Jenny paid Solo to file her Answer in court for her. They sent a copy to Nationwide Recovery. When NRS received the Answer, they realized their mistake. They filed a motion to dismiss the case. Jenny was off the hook!
Our partner Solo can help you respond to a debt lawsuit in all 50 states.