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Agency #49

National Recovery Agency

Third-party collection agency and debt buyer · Harrisburg, Pennsylvania

Phone-number answer

Checking a call from National Recovery Agency?

The published phone numbers below can help you look up the company. Caller ID can be spoofed: a matching number does not authenticate a caller or prove that you owe a debt.

What happened?

Choose the situation that fits. Keep a record as you go.

Wrong person

If the call is for someone else, say they have the wrong person and ask them to stop calling your number. Do not give sensitive identity or financial details to an unverified caller.

Log the date, displayed number, callback number, voicemail, and your request. If the collector claims you owe the debt, use a written dispute explaining that it is not yours.

Log wrong-person calls Dispute a debt that is not yours

For a written dispute, use the validation-period end date printed on the notice and keep proof of submission. If you have no notice, request the validation information; do not guess a deadline. A call or log entry does not replace that dispute.

Sources
  1. CFPB debt dispute rights — Consumer Financial Protection Bureau
  2. CFPB debt collection limits — Consumer Financial Protection Bureau
Unfamiliar debt

Ask for written validation information and compare the creditor, account reference, amount, and dates with your records. Do not confirm that you owe it or agree to pay while you are still checking.

Request the debt details Dispute an unfamiliar debt Keep a collector call log

An information request is not always a dispute. If you dispute the debt, say so in writing by the notice’s printed validation-period end date and keep proof. If the notice is missing, request it; do not guess a deadline or assume collection must pause.

Sources
  1. CFPB validation notice rules — Consumer Financial Protection Bureau
  2. CFPB debt dispute rights — Consumer Financial Protection Bureau
Received a notice

Save the notice and envelope or original electronic message, and note when it arrived. Check the collector, creditor, itemized amount, account reference, and printed validation-period end date against your records.

If you dispute the debt or amount, send or submit a written dispute on or before that printed end date. Keep a copy and proof of when you sent it. A phone call or call-log entry does not replace a timely written dispute.

Build a validation dispute letter Track the notice and follow-up Check notice and deadline next steps
Sources
  1. CFPB validation notice rules — Consumer Financial Protection Bureau
  2. Regulation F § 1006.38 dispute and original-creditor request rules — Consumer Financial Protection Bureau

Court papers? A validation letter does not replace a court response. Protect the court deadline first.

Check a payment link or existing payment plan
Consumer assistance and payments
800-773-4503
Corporate contact
800-360-9953

End the incoming call and find a contact number independently through the company’s official website or your original creditor’s known contact channel. Check the written debt information separately before sharing sensitive information or paying. Why caller ID can be spoofed (FTC).

Sources for the phone answer
Sources
  1. National Recovery Agency customer assistance — National Recovery Agency
  2. National Recovery Agency consumer FAQ — National Recovery Agency
  3. NRA Group corporate contact and dispute routing — NRA Group
  4. FTC phone scams and caller ID spoofing — Federal Trade Commission
  5. CFPB collector legitimacy checks — Consumer Financial Protection Bureau

National Recovery Agency is the consumer-facing name used by NRA Group, a nationwide receivables company offering first-party, third-party, and debt-purchasing services.

Why this company appears here

NRA works across healthcare, government, education, utilities, telecommunications, banking, retail, and purchased debt and maintains a large consumer-facing payment operation.

Common account types

  • Healthcare accounts
  • Government receivables
  • Education accounts
  • Banking and financial accounts
  • Retail accounts
  • Telecommunications accounts
  • Utility accounts
  • Purchased debt

Check the company before you click or pay.

Match these details to the validation notice, credit report entry, and payment page before sharing account or bank information.

Legal name
NRA Group, LLC d/b/a National Recovery Agency
Known aliases
NRA / NRA Group / NRA Group, LLC d/b/a National Recovery Agency
Related entities
American Agencies / EBO Solutions, LLC
Official website
https://www.nragroup.com/
Consumer portal
https://www.nationalrecovery.com/
Phone - Consumer assistance and payments
800-773-4503
Phone - Corporate contact
800-360-9953
Mailing address
NRA Group, PO Box 67015, Harrisburg, PA 17106-7015
Last reviewed
August 17, 2026

A matching caller ID does not authenticate a caller: numbers can be spoofed. Find contact details independently through the official company website or your original creditor before responding. Separately verify the debt and any payment instructions in writing.

Identity sources
  1. NRA Group and National Recovery Agency — National Recovery Agency
  2. National Recovery Agency customer assistance — National Recovery Agency
  3. National Recovery Agency industries — National Recovery Agency
  4. NRA Group company overview — NRA Group
  5. NRA Group corporate contact and dispute routing — NRA Group
  6. National Recovery Agency consumer FAQ — National Recovery Agency
  7. National Recovery Agency state disclosures — National Recovery Agency

Find out who actually owns the account.

A collector, servicer, and debt owner are not always the same company. That affects what proof you should ask for.

Possible role: First-party collector, third-party collector, and debt purchaser

NRA offers several roles, including work for creditor clients and the purchase of receivables. Its role and ownership position depend on the account.

  • Check whether NRA Group, another National Recovery Agency entity, or a creditor client is named as the current creditor.

  • The National Recovery Agency name can appear in more than one licensing context, so preserve the exact legal entity shown on the notice.

Role sources
  1. NRA Group and National Recovery Agency — National Recovery Agency
  2. NRA Group company overview — NRA Group
  3. National Recovery Agency industries — National Recovery Agency
  4. CFPB validation notice rules — Consumer Financial Protection Bureau

What official records say.

Each note below comes from a dated government, regulator, court, or SEC record. Use it as background, not as proof about your specific account.

  • In Chamberlain v. NRA Group, a federal district court granted summary judgment to the plaintiff class and held that NRA violated the FDCPA by sending later collection texts after consumers replied STOP. The undisputed record covered 4,984 unique phone numbers, and the court rejected NRA's bona fide-error defense.

    Source
    1. Chamberlain v. NRA Group summary-judgment opinion — U.S. District Court for the Middle District of Pennsylvania

  • California DFPI entered a settlement that made a desist-and-refrain order final after NRA filed its required annual report late. NRA agreed to a $4,000 administrative penalty.

    Source
    1. NRA Group California settlement agreement — California Department of Financial Protection and Innovation

Start with the facts you can check.

  • NRA publishes separate consumer-assistance and corporate phone numbers; use the consumer number for account questions and payments.
  • NRA says email is not an effective way to dispute a placed account. Mail account-related correspondence and keep delivery records when timing matters.
  • Its consumer site can show a balance, payment history, payment options, and plans after the account is authenticated.

Confirm the account first.

Even a real collector can have the wrong person, wrong amount, old debt, duplicate placement, or incomplete records.

  • The collector name, mailing address, phone number, and website on the letter you received.
  • Who the original creditor was, who owns or placed the account now, the account number, balance, and date of last payment.
  • Whether the debt may be too old for a lawsuit in your state before you pay or promise to pay.
  • Whether the account appears on your official credit reports from AnnualCreditReport.com.
  • Whether this looks like the kind of account National Recovery Agency commonly handles: Healthcare accounts, Government receivables, Education accounts, Banking and financial accounts, Retail accounts, Telecommunications accounts, Utility accounts, Purchased debt.
Put it in writing
Debt validation letter template Collector call log template
Sources
  1. NRA Group and National Recovery Agency — National Recovery Agency
  2. National Recovery Agency customer assistance — National Recovery Agency
  3. National Recovery Agency industries — National Recovery Agency
  4. NRA Group company overview — NRA Group
  5. NRA Group corporate contact and dispute routing — NRA Group
  6. National Recovery Agency consumer FAQ — National Recovery Agency
  7. National Recovery Agency state disclosures — National Recovery Agency
  8. Chamberlain v. NRA Group summary-judgment opinion — U.S. District Court for the Middle District of Pennsylvania
  9. NRA Group California settlement agreement — California Department of Financial Protection and Innovation
  10. CFPB validation notice rules — Consumer Financial Protection Bureau
  11. CFPB debt dispute rights — Consumer Financial Protection Bureau
  12. FTC debt collection FAQs — Federal Trade Commission

Questions people ask about National Recovery Agency.

Use these answers to sort out roles, names, portals, and account details before responding.

Are NRA Group and National Recovery Agency the same company?

NRA Group, LLC uses National Recovery Agency as a business name and consumer-facing brand. Check the notice for the exact legal entity because related entities can also use the brand in some licensing contexts.

Sources
  1. NRA Group company overview — NRA Group
  2. NRA Group corporate contact and dispute routing — NRA Group
Does National Recovery Agency own the debt?

It may, but not always. NRA offers first-party, third-party, and debt-purchasing services, so the validation notice must identify the current creditor for your account.

Sources
  1. NRA Group and National Recovery Agency — National Recovery Agency
  2. National Recovery Agency industries — National Recovery Agency
  3. CFPB validation notice rules — Consumer Financial Protection Bureau
How can I dispute a National Recovery Agency account?

NRA directs account correspondence to PO Box 67015, Harrisburg, PA 17106. Its corporate contact page says email is not effective for disputing a placed account.

Sources
  1. NRA Group corporate contact and dispute routing — NRA Group
  2. National Recovery Agency consumer FAQ — National Recovery Agency
  3. CFPB debt dispute rights — Consumer Financial Protection Bureau
How can I verify or pay NRA?

Use the account number from the letter at nationalrecovery.com or call consumer assistance at 800-773-4503. If the account number is missing, NRA directs consumers to call.

Sources
  1. National Recovery Agency customer assistance — National Recovery Agency
  2. National Recovery Agency consumer FAQ — National Recovery Agency
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