National Recovery Solutions: Who They Are and Your Rights

Type

Collection agency

Also known as

National Recovery Solutions, LLC; NRS

Headquarters

Lockport, NY

Collects

federal student loans, private student loans

83 debt collection complaints were sent to the Consumer Financial Protection Bureau about National Recovery Solutions, LLC from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is National Recovery Solutions?

National Recovery Solutions, LLC (NRS) is a collection agency at 6425 Dysinger Road, Lockport, New York 14094. Its BBB business profile lists it as a limited liability company with a start date of September 15, 2006. The BBB names Kevin Baker as president and Kinda Baker as chief executive officer.

An employer profile published by Niagara County's WorkSourceOne office describes NRS as a woman-owned, "nationally licensed, insured, and bonded debt recovery agency." The profile appears to date from about 2016. It also says the company was then a certified member of the debt-buying industry's certification program.

The website address the BBB lists for the company did not load securely when we checked, so we have not linked it, and we have not listed a phone number. Use the contact details printed on the written notice you receive. We did not find a CFPB enforcement action against National Recovery Solutions.

Why National Recovery Solutions May Be Contacting You

According to the Niagara County profile, NRS's business "centers on the Federal and non-Federal student loan sector." Its clients include:

• the U.S. Department of Education
• guaranty agencies
• colleges and universities
• private student loan lenders

That profile is several years old, and the company's client list may have changed. Complaints naming NRS in the CFPB database come from many states, especially California, New York, Texas and Florida. They are filed under a mix of categories, including private student loan debt, credit card debt and debts the consumer couldn't identify.

How to Check a Debt National Recovery Solutions Says You Owe

With student loans, start by finding out whether the loan is federal or private, because different rules apply:

• Read the validation notice closely and find the creditor's name (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). See what the notice must include.
• Dispute in writing within the validation period if you don't recognize the loan or the amount. NRS must stop collecting until it sends verification.
• For a federal loan, check your record at StudentAid.gov. Ask about rehabilitation, consolidation and income-driven options before you agree to a payment plan. Federal student loans generally have no statute of limitations.
• For a private loan, ask for the signed promissory note and proof of every transfer from the original lender to the current owner. Then compare the payment history with your records.
• Check the limitations period on private debt. Texas generally allows four years (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer can't sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states' periods differ.

What National Recovery Solutions Can and Can't Do

NRS collects debts owed to others, so it is a "debt collector" under 15 U.S.C. § 1692a(6) for consumer accounts, including student loans. That means:

• It can't misstate the consequences of nonpayment, such as threatening a wage garnishment or tax refund offset that isn't actually authorized for your loan (15 U.S.C. § 1692e(5)).
• It can't add fees or costs your loan documents or the law don't allow (15 U.S.C. § 1692f(1)).
• It can't call before 8 a.m. or after 9 p.m. your time (15 U.S.C. § 1692c(a)(1)). See calling hours.
• It must stop most contact if you tell it in writing to stop (15 U.S.C. § 1692c(c)).

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If National Recovery Solutions or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• BBB business profile: National Recovery Solutions, LLC (business facts only)
• Niagara County WorkSourceOne: National Recovery Solutions employer profile
• CFPB consumer complaint database: National Recovery Solutions, LLC
• CFPB enforcement actions (searched by name)
• CFPB Consumer Complaint Database: National Recovery Solutions, LLC, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that National Recovery Solutions has violated any law. Company details change; tell us if something here is out of date.