NRA Group, LLC, which does business as National Recovery Agency, is a third-party collection agency in Harrisburg, Pennsylvania. It collects for healthcare providers, utilities, phone companies, retailers, schools, government bodies and debt owners.
- Type
- Collection agency
- Also known as
- NRA Group, LLC; National Recovery Agency; NRA
- Headquarters
- Harrisburg, PA
- Collects
- medical bills, utility bills, telecommunications bills, retail accounts, education balances, government accounts, financial and banking accounts, purchased debt
- Phone numbers it lists
- (800) 360-9953, (717) 540-7636
- Website
- nragroup.com
2,348 debt collection complaints were sent to the Consumer Financial Protection Bureau about NRA Group, 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 NRA Group?
NRA Group, LLC is an accounts receivable management company that does business as National Recovery Agency. Its Company Overview page says it was formed in 2005 by acquiring two older agencies: National Recovery Agency, Inc., founded in 1976, and Credit Plus Solutions Group, Inc., founded in 1922. The company describes itself as a privately held, woman-owned Pennsylvania limited liability company that provides collection, skip tracing and credit bureau reporting services.
Its corporate headquarters is at 2491 Paxton Street, Harrisburg, PA 17111, and it uses P.O. Box 67015, Harrisburg, PA 17106 for mail. The website footer lists NMLS ID 934681 and a Nevada collection agency license (CA10205).
Why NRA Group May Be Contacting You
NRA works for many kinds of creditors. Its home page lists commercial clients, direct marketing, education, financial and banking, government, healthcare, purchased debt, retail, telecom and utilities. So the name on your letter could trace back to a hospital or doctor's bill, a phone or utility account, a store account, a school balance, or an account a debt buyer purchased and placed with NRA.
The contact page lists (800) 360-9953 (toll-free) and (717) 540-7636 (local). Your letter should name the creditor; that is the key piece of information for figuring out what the account is.
How to Check a Debt NRA Group Says You Owe
Because NRA's client list is so broad, start by pinning down exactly which business the account came from.
- Identify the creditor on the validation notice. The notice required by 15 U.S.C. § 1692g and 12 C.F.R. § 1006.34 must name the current creditor and, for most consumer debts, the creditor as of the itemization date. If the account was purchased, both names should appear.
- Dispute in writing within the validation period. Ask for the account statement, dates of service or purchase, and an itemized balance. NRA has to stop collecting until it sends verification.
- Ask who owns the debt now. If NRA is collecting purchased debt, ask for the name of the debt buyer and the original creditor.
- Cross-check medical balances. For a hospital or doctor's bill, compare the amount with your insurer's explanation of benefits.
- Consider the age of the account. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004). Texas debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307), and limitation periods vary by state.
What NRA Group Can and Can't Do
As a third-party agency, NRA is a "debt collector" under the FDCPA (15 U.S.C. § 1692a(6)). That has concrete effects:
- Because it offers credit bureau reporting, note that it may not furnish a debt to a credit bureau before it has communicated with you about it (12 C.F.R. § 1006.30(a)), and it must report a dispute you raised.
- Medical collections under $500, and paid medical collections, no longer appear on reports from the three national bureaus. See credit bureau medical debt changes.
- It may not call before 8 a.m. or after 9 p.m. your local time, or call more than seven times in seven days on one debt (15 U.S.C. § 1692c(a)(1); 12 C.F.R. § 1006.14(b)(2)).
- Once you tell it in writing to stop contacting you, it generally must stop (15 U.S.C. § 1692c(c)). See can I tell a collector to stop calling?
Questions about how NRA handled your account? Our Texas FDCPA attorneys page explains what we look for.
Government Actions on the Public Record
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 NRA Group (National Recovery Agency) 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
- NRA Group: home page
- NRA Group: Company Overview
- NRA Group: Contact Us
- CFPB Consumer Complaint Database: NRA Group, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that NRA Group (National Recovery Agency) has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.