Nationwide Recovery Service, Inc. (NRS) is a collection agency founded in 1948 with its operations center in Cleveland, Tennessee. It is part of Accscient, a technology and services group, and collects healthcare, government and financial-services accounts.
- Type
- Collection agency
- Also known as
- Nationwide Recovery Service, Inc.; NRS; Accscient, LLC
- Headquarters
- Cleveland, TN
- Collects
- medical bills, court fines and tickets, utility bills, installment and revolving credit, mortgage default accounts
- Phone numbers it lists
- (800) 776-4600
- Website
- nrsagency.com
134 debt collection complaints were sent to the Consumer Financial Protection Bureau about Accscient, 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 Nationwide Recovery Service?
Nationwide Recovery Service, Inc. (NRS) says it was founded in 1948 and lists its operations center at 205 2nd Street NW in Cleveland, Tennessee. Its website identifies NRS as "an Accscient company." Accscient describes itself as a global technology organization founded in 2005, and NRS appears among its brands. Complaints about NRS may therefore be recorded in the CFPB database under the parent's name, "Accscient, LLC." NRS says it holds debt collection licenses in all 50 states and lists NMLS collection agency number 945413.
Why Nationwide Recovery Service May Be Contacting You
NRS serves three broad markets, and its website lists the kinds of accounts it works:
- Healthcare: patient balances owed to medical providers.
- Government: court collections, fines, tickets and moving violations, and utility accounts.
- Financial services: installment and revolving credit, plus mortgage default and loss-mitigation work for servicers.
So a letter from NRS could concern anything from an unpaid traffic ticket referred by a court to a hospital bill or a past-due credit account. The creditor named in the letter is what tells you which.
How to Check a Debt Nationwide Recovery Service Says You Owe
- Court fines and tickets: check the case directly with the court clerk. Confirm the citation number, the amount and whether any added collection fee was authorized by the court or by statute. If you already paid or the case was dismissed, get that in writing from the court.
- Medical bills: request an itemized bill and compare it with your insurer's explanation of benefits. Texas generally requires an itemized bill before collection; see our S.B. 490 update.
- Credit accounts: ask for the last statement from the original lender and whether the account has been sold.
- For consumer debts, use the validation notice, which must name the creditor, itemize the debt and give a dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34), and dispute in writing before that date.
- Age of the debt: Texas generally applies a four-year limitations period to consumer debts (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Other states differ, and court-imposed fines are not ordinary consumer debts.
What Nationwide Recovery Service Can and Can't Do
NRS regularly collects debts owed to others, so it is a "debt collector" under 15 U.S.C. § 1692a(6) when it collects consumer debts such as medical, utility and credit accounts. Whether the FDCPA covers a particular fine or ticket depends on whether it counts as a consumer "debt," which courts decide case by case. For consumer debts:
- It may not threaten arrest for an unpaid medical bill or credit account.
- It may not imply that it is a court or government office (15 U.S.C. § 1692e(1)).
- It may not call more than seven times in seven days about one debt without a presumption of a violation (12 C.F.R. § 1006.14(b)(2)).
- It may not add fees that are not authorized by the agreement or by law (15 U.S.C. § 1692f(1)).
We did not find a CFPB enforcement action against Nationwide Recovery Service. For help with a contact from NRS, see our Texas FDCPA attorneys page.
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 Nationwide Recovery Service 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
- Nationwide Recovery Service: home page
- CFPB enforcement actions search
- CFPB Consumer Complaint Database: Accscient, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that Nationwide Recovery Service has violated any law. Company details change; tell us if something here is out of date.