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
Match the official phone number against your caller ID before responding. If a call, text, email, or payment site uses different details, use the official website, portal, or mailing address before you respond.
- NRA Group and National Recovery Agency — National Recovery Agency
- National Recovery Agency customer assistance — National Recovery Agency
- National Recovery Agency industries — National Recovery Agency
- NRA Group company overview — NRA Group
- NRA Group corporate contact and dispute routing — NRA Group
- National Recovery Agency consumer FAQ — National Recovery Agency
- 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.
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Check whether NRA Group, another National Recovery Agency entity, or a creditor client is named as the current creditor.
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The National Recovery Agency name can appear in more than one licensing context, so preserve the exact legal entity shown on the notice.
- NRA Group and National Recovery Agency — National Recovery Agency
- NRA Group company overview — NRA Group
- National Recovery Agency industries — National Recovery Agency
- 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.
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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- Chamberlain v. NRA Group summary-judgment opinion — U.S. District Court for the Middle District of Pennsylvania
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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- 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.
- NRA Group and National Recovery Agency — National Recovery Agency
- National Recovery Agency customer assistance — National Recovery Agency
- National Recovery Agency industries — National Recovery Agency
- NRA Group company overview — NRA Group
- NRA Group corporate contact and dispute routing — NRA Group
- National Recovery Agency consumer FAQ — National Recovery Agency
- National Recovery Agency state disclosures — National Recovery Agency
- Chamberlain v. NRA Group summary-judgment opinion — U.S. District Court for the Middle District of Pennsylvania
- NRA Group California settlement agreement — California Department of Financial Protection and Innovation
- CFPB validation notice rules — Consumer Financial Protection Bureau
- CFPB debt dispute rights — Consumer Financial Protection Bureau
- 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.
- NRA Group company overview — NRA Group
- 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.
- NRA Group and National Recovery Agency — National Recovery Agency
- National Recovery Agency industries — National Recovery Agency
- 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.
- NRA Group corporate contact and dispute routing — NRA Group
- National Recovery Agency consumer FAQ — National Recovery Agency
- 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.
- National Recovery Agency customer assistance — National Recovery Agency
- National Recovery Agency consumer FAQ — National Recovery Agency
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