Nationwide Recovery Systems Ltd or NRS is an Accounts Receivable Management company based in Texas that specializes in third-party debt collection. NRS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including attempting to collect debts not owed and illegal communication tactics. If you have been contacted by Nationwide Recovery Systems, make sure you understand your rights before taking action.
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According to the BBB, Nationwide Recovery Systems, Ltd. is a legitimate collection agency founded in 1997. The BBB established a profile page for NRS two weeks after its founding date. NRS is listed as a collection agency that uses the alternate business names, HIS Financial Services, Ltd. and Tri-State Financial. Buzzfile estimates NRS’s annual revenue at $22.1 million and the size of its headquarters staff at 150 employees, with an estimated 200 employees across all locations.
According to its website, Nationwide Recovery Systems “is a nationally recognized full-service commercial, healthcare, and consumer Accounts Receivable Management company.” NRS is “focused…on helping…clients maximize their cash flow and minimize their bad debt expenses.” NRS claims its strength is “resolving…customer payment challenges quickly, professionally, and with the utmost attention to protecting their brand.” NRS “takes pride in the over 2 billion dollars …they have collected.”
NRS’s healthcare division “is recognized nationally as a leader” and provides a full range of services, including medical billing; first-party representation; third-party collections; insurance claims verification, billing, follow-up, documentation, appeals, and resolution; hospital lien services; charity screening; and accounts receivable programs.
NRS’s commercial division collects delinquent commercial debts for construction companies; logistics companies; and distribution and merchandising companies. In addition, Nationwide Recovery Systems specializes in collecting delinquencies for service firms whose service provisions “carry a high risk of default.”
Finally, NRS’s consumer division provides “1st and 3rd party collection services to a cross-section of departments within the financial services industry,” including credit card, auto, mortgage, consumer loan, and retail. In addition, NRS collects delinquent debts for the communications and energy industries; and federal, state, and municipal government agencies.
The Nationwide Recovery Systems website does not provide any information about its compliance policies or links or references to consumer protection resources, laws, or enforcement agencies.
The BBB has closed 3 complaints against Nationwide Recovery Systems in the past three years, none of them in the past 12 months. Complaints alleged problems with billing and collections or customer service. Since August 2015, the Consumer Financial Protection Bureau (CFPB) has closed 19 complaints against NRS. Justia lists at least 6 cases of civil litigation involving NRS.
Nationwide Recovery Systems, Ltd.
501 Shelley Dr., Ste. 300
Tyler, TX 75701
Telephone: (800) 458-6357
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely NRS would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases
Complaints against Nationwide Recovery Systems commonly cite problems resulting from disputes about billing documentation and communication tactics. In March 2017, a complainant indicated he had received a collection call from NRS, who attempted to identify the complainant by asking first for his date of birth, then for his social security number, and finally for his address. The NRS representative allegedly was trying to collect a medical bill in the amount of $562.74 for a date of service of February 10, 2014. The NRS representative allegedly told the complainant that they had previously contacted him in August 2016; that the item had been reported to the credit reporting agencies in March 2015; and that they had previously sent a collection letter. The complainant claimed never to have received any communication about the bill. The complainant indicated that he hung up on the representative and contacted the hospital directly, who informed him that the bill had been paid and that there was no balance due. Reviewing the details of the account prompted him to remember the earlier collection call, and that he had resolved the matter during the earlier call by confirming that the bill had already been paid. He had not pursued the matter any further until he received the call that prompted him to file the complaint.
Subsequently, the complainant once again called Nationwide Recovery Systems to resolve the matter a second time. The NRS representative answered the call with his name, prompting the complainant to assume that they had already identified him using caller ID, but they persisted in questioning him, asking for his date of birth and social security number, but he only confirmed his address. The representative allegedly “tried to say she couldn’t talk… if …he couldn’t give her” the information she requested, but when the complainant “told her …he had called the hospital and that her company was trying to collect on a bill that was paid in full,” the representative allegedly said NRS “had been called by the hospital and the matter has been closed.” The complainant indicated he was upset that he had been forced “to deal with this call at all;…that he had handled this matter at least once already;…that NRS should not be calling and asking for…his date of birth or SSN—even the last 4 digits; …and that he had asked for written information last year when they called,…but he had never received anything.
In response, NRS explained that “there were two accounts placed with them…The first…account…was closed and returned to the client.” As for the second account, during NRS’s first contact with the complainant, he had informed them “that the account… had been paid in full…NRS then received a call from the consumer…stating the account was 100% covered by insurance.” NRS then “received an e-mail from …the client informing NRS to close and remove the account from credit reporting, and NRS indicated that …the account was closed…and submitted for credit deletion.” The complainant accepted the resolution but indicated his frustration, stating that he did “not understand why it was …his responsibility to have the client contact the company, … and that there should be better communication between the client and collection agency.” He also suggested that NRS “check to see why…he was told this matter has been reported to the credit reporting agency…. because…he had not seen this on…his credit report, ever.”
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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