The NRA Group or National Recovery Agency started business in 2005, and is based in Harrisburg, Pennsylvania. The debt collection agency advocates placing accounts into collections as soon as possible to boost recovery rates. NRA Group collects on behalf of companies in the direct marketing, education, financial, healthcare, retail, telecom, and utilities industries. They collect for over 800 businesses, including debt buyers.
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NRA Group is a legitimate collection agency that conducts first- and third-party collections, and does outsourcing, credit bureau reporting, debt purchasing, and litigation. Their skip tracing techniques include searching national change of address databases, public and private address searches, national credit bureau searches, and DMV searches. NRA Group also maintains a nationwide network of more than 200 lawyers to assist in suing consumers.
As of April 2017, the Better Business Bureau reported 114 closed NRA Group complaints within the previous three years, including 27 closed National Recovery Agency complaints within the previous 12 months. The BBB gives National Recovery Agency an A rating. In addition, Justia lists 17 NRA Group complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act. Furthermore, the Consumer Financial Protection Bureau (CFPB) lists 56 closed for 2016.
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely National Recovery 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!
Absolutely. Here is a Sample Case Filed in Federal Court
In 2016, a judge in U.S. District Court, Middle District of Pennsylvania, denied NRA Group’s motion to dismiss Daubert v. NRA Group for alleged violations of the Fair Debt Collection Practices Act. According to the judge’s decision, the consumer claimed that NRA Group was trying to collect a $25 medical bill, and the collection agency’s vendor sent the consumer a letter that included a barcode containing his account number. The letter, mailed in a window envelope, also included his account number just above his address. NRA Group argued that the case should be dismissed because the consumer lacked standing to sue in light of the U.S. Supreme Court’s decision in Spokeo v. Robins. The court rejected NRA Group’s argument, denied its motion to dismiss, and allowed the case to move forward.
Press Releases of Lawsuits Brought On By Lemberg Law Against NRA Group – National Recovery Associates
December 17, 2015. Debt collectors often call consumers on their cell phones to try to collect on debts. However, there are laws outlining when and how often they can call. Sometimes debt collectors will violate those laws and harass consumers, which is what our client says NRAG did to him.
In order to try to collect on a debt, our client claims that NRAG called his cell phone up to five times a week. He believes that the calls were an attempt to harass him into paying. Lemberg Law has recently filed a suit on his behalf in the Commonwealth of Massachusetts Superior Court.
The suit charges the NRA Group with violating the Massachusetts Consumer Protection Act by using unfair or deceptive acts to collect a debt and contacting our client more than two times in a week. The suit asks for damages, plus other relief.
October 12, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Middle District of Pennsylvania. The case, against NRA Group, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages, plus other relief.
Getting a call that’s the wrong number is slightly annoying, but it’s understandable that mistakes can happen. But continuing to get wrong number calls is exasperating. And that’s what our client says happened when NRAG called him to collect a debt from a woman he doesn’t even know. Our client told the NRAG debt collector that that they’d made a mistake and asked that they remove his phone number from their account. But NRA Group kept calling him anyway.
The lawsuit charges that NRAG violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by calling our client about the woman’s debt without being asked to do so; and by using unfair and unconscionable means to collect a debt.
October 1, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Southern District of Texas. The case, against NRA Group, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages, plus other relief.
If a debt collection agency is on the line, it’s understandable to want to know exactly why they’re calling. Our client says that NRAG called him about a debt, and that he asked NRAG who the creditor was. Simple enough question, right? He says that the NRAG debt collector told him that they didn’t have any information about the debt and that the only way to get the calls to stop was to agree to a payment plan.
The lawsuit charges that NRA Group violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by using false, deceptive, and/or misleading representations or means in connection with debt collection; by employing false and deceptive means to collect a debt; and by using unfair and unconscionable means to collect a debt.
NRA Group, LLC
2491 Paxton Street
Harrisburg, PA 17111
Phone Number: 800-360-9953
Understanding Your Debt Collection Rights
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.
Phone Numbers Used by this agency
Consumers have reported receiving debt collection calls from a variety of numbers, including the following:
Stop Debt Collection Harassment Now
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.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
What Our Clients are Saying
“I was struggling so hard and the collection calls were very painful. Your professional team sorted out all of these problems. My life is my own again. Thank you.”
“Thanks aren’t enough for such fantastic results!“
“I couldn’t believe it when my boss called me to his office and told me that he was getting calls about me from collection agencies. OMG, I was so embarrassed! Let me tell you how happy I am that I found you. Not only did you guys get the collection calls to stop but you made them pay ME for calling my work. Seriously, I can not thank you enough!”
Can You Help Me Delete NRA Group from My Credit Report?
The short answer is yes. We can help. Call us today.
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