If a caller named “Structured Settlement” keeps ringing your phone, your job, and even relatives you have not spoken to in years, you are not dealing with a settlement-funding company. You are dealing with a debt collector. Structured Settlement is a trade name used by Nationwide Capital Services, LLC, a third-party collection agency in Henderson, Nevada, and the confusing name is part of the problem that consumers keep reporting.
You probably searched “why is structured settlement calling me” because the name does not match any debt you recognize. That instinct is worth trusting. Below, we first explain who is calling and why, then give you the five answers people actually want: whether these calls are legal, when they cross into harassment, how often a collector can call, whether you can sue, and what your rights are.
Who is Structured Settlement, and why are they calling?
Structured Settlement is the public-facing name of Nationwide Capital Services, LLC, a collection agency that buys or is assigned past-due consumer accounts and then collects on them. The name is why so many people search “is Structured Settlement legit” or “Structured Settlement scam.” It is a real business, not a phantom operation, but the settlement-sounding name has itself drawn consumer confusion, since one WalletHub reviewer reported that staff “all they said was structured settlement, never mentioning they are with Nationwide.”
They are calling because an old consumer account was placed with or sold to them. Reviewers describe the underlying debts as personal loans, including one from an online lender identified as TBO Bank, along with credit cards and similar consumer accounts. As a debt buyer, the company typically acquires these balances after the original creditor has charged them off. If you do not recognize the debt, that gap is a reason to demand validation before you pay anything.
Verified business details (Better Business Bureau):
- Business name: Structured Settlement (legal name: Nationwide Capital Services, LLC)
- Address: 4300 E Sunset Rd, Ste D1, Henderson, NV 89014-2269
- Phone number: (702) 213-4518
- BBB rating: B
- Website: nationwide-capitalservices.com
Knowing the legal name changes your next step. It lets you check the account, verify licensing, and address any credit reporting under the right entity rather than the trade name.
Are Structured Settlement calls legal?
Yes, a legitimate collector is allowed to contact you about a real debt, but that permission comes with hard limits. Structured Settlement, operating as Nationwide Capital Services, is a third-party debt collector, which means it is fully covered by the Fair Debt Collection Practices Act.
That distinction matters more than most people realize. The FDCPA governs outside collection agencies, not an original creditor collecting its own account. A bank chasing its own loan has far fewer federal restrictions than a separate company like Nationwide Capital Services that buys or is assigned the account and then calls you. Because a third-party collector is doing the calling here, the full weight of the statute applies to every call, letter, and voicemail.
The calls turn from legal to illegal based on conduct, not on whether you owe the money. Under FDCPA Section 806 (15 U.S.C. 1692d), a collector cannot call repeatedly with intent to annoy or harass. Under Section 807 (1692e), it cannot lie about the debt, its identity, or the consequences of not paying. Under Section 808 (1692f), it cannot use unfair means such as adding charges that your original agreement never authorized. In our practice, the calls that cross the line are rarely about the balance itself. They are about the method: the volume of calls, who else gets dialed, and what the caller threatens.
Because the company is based in Nevada, state law adds a second layer. Under Nevada Revised Statutes 649.370, “a violation of any provision of the federal Fair Debt Collection Practices Act … shall be deemed to be a violation of this chapter.” You can read the statute on the Nevada Legislature site. In plain terms, the same act that breaks federal law also breaks Nevada’s collection-agency law, which gives you two tracks instead of one.
Is Structured Settlement harassment?
It may be harassment if the calls show any of the patterns below, which are the ones consumers most often report and courts most often scrutinize. Harassment is about repetition and pressure, not a single phone call.
- Calls before 8 a.m. or after 9 p.m. in your time zone.
- A pattern of repeated calls in a short window, such as back-to-back calls or seven or more calls across seven days.
- Calls to your workplace after you have said you cannot take them there.
- Calls to relatives, neighbors, or co-workers that reveal or hint that you owe a debt.
- Threats of a lawsuit, wage garnishment, or arrest that the collector is not positioned to carry out.
- Using different or unfamiliar numbers, or refusing to identify the company clearly when you ask who is calling.
Public reviews of this collector describe several of these patterns. These are consumer allegations rather than proven findings, but they line up closely with the conduct the FDCPA restricts. When clients come to us about Structured Settlement, one of the first questions we ask is whether anyone else received a call, because contacting a third party about your debt, outside narrow exceptions for locating you, can violate FDCPA Section 805(b) on its own, separate from anything said to you.
Structured Settlement BBB complaints and reviews
The pattern in the public record is consistent: the complaints center on how the company communicates, not just the debts themselves. On its Better Business Bureau complaints page, Structured Settlement shows 151 complaints in the last three years, with the large majority categorized as billing issues. Its 58 BBB customer reviews average 1.09 out of 5 stars, and three of them capture the recurring themes.
One reviewer, Deanna K, describing repeated calls to her job from an agent named Lori on 10/05/2026, wrote:
met with yelling, and calls being hung up in my face
A second reviewer, Allison K, pointed to third-party contact and a legal threat at the same time:
Threaten with a lawsuit, has called my uncle
A third reviewer, Angela B, raised a credit-reporting failure after resolving the balance:
Was told they would report my by the 17th and they didn’t
Those three complaints map onto three different parts of the law: harassment at work, third-party contact, and inaccurate or unfulfilled credit reporting. We frequently see this clustering, where one account generates several distinct potential violations rather than a single one. A reader scanning Structured Settlement reviews or Structured Settlement complaints online is seeing the same clustering repeated across dozens of accounts.
How often can Structured Settlement call you?
There is no single federal number that makes one more call automatically illegal, but regulators and courts lean on a well-known benchmark. Under the collection rules commonly called the 7-in-7 rule, contacting you about one debt more than seven times within seven days, or within seven days of talking to you, is treated as presumptively excessive.
Frequency is not the only limit. The FDCPA restricts calls to the window between 8 a.m. and 9 p.m. in your local time, and it bars continued calls meant to annoy, abuse, or harass regardless of the raw count. A small number of calls can still be harassment if each one carries threats or obscene language, and a large number can be harassment even if each call is calm. One reviewer specifically asked the company to “review the repeated calls and different numbers used,” which is the kind of multi-line pattern that makes a call log valuable. Documenting the date and time of every call is what turns “they call constantly” into a record a collector has to answer for.
Structured Settlement calling tactics consumers report
The complaints describe a recognizable playbook, and knowing it ahead of time makes the next call easier to handle. Reviewers report prerecorded or automated voicemails that open with “Hi, this is Structured Settlement,” calls placed to workplaces and to distant family members, and pressure to resolve the account on a short deadline.
One WalletHub reviewer described being told the company would “contact your far away family members just to get a hold of you,” and another said staff would only identify themselves as “structured settlement, never mentioning they are with Nationwide.” A third, on the company’s BBB profile, described an automated message claiming “someone would be at my residence between a specified time range.” Our attorneys evaluate whether calls like those were placed to a cell phone with a prerecorded or artificial voice, because that fact can add a separate TCPA claim worth $500 to $1,500 per call on top of any FDCPA claim.
Can I sue Structured Settlement?
Possibly, and consumers already have, repeatedly. If Nationwide Capital Services violated the FDCPA, you may be entitled to up to $1,000 in statutory damages, plus any actual damages you can show, plus your reasonable attorney fees and costs. Those remedies depend on proving a violation, so no outcome is guaranteed, but the statute is written to make these cases practical to bring even when your out-of-pocket loss is small.
Court records show this company has ended up in federal court across the country, often by default when it did not respond.
In Martinez v. Nationwide Capital Services, LLC d/b/a Structured Settlement, No. 1:22-cv-00622 (S.D. Ind. 2022), the plaintiff brought an FDCPA claim and the company failed to defend. On October 13, 2022, the court addressed a motion for default judgment and noted that the FDCPA does not require proof of actual damages before statutory damages can be awarded. You can read the order on Justia.
In Carlstrom v. Nationwide Capital Services, LLC, the company again did not defend, and the record described multiple voicemails containing misleading statements. The magistrate judge recommended a default judgment and an injunction under the Texas Debt Collection Act barring Nationwide from continuing to call the plaintiff. The opinion is on CourtListener. One thing consumers often misunderstand is that a voicemail counts, because a single misleading message can support a claim under Section 807.
In Davis v. Nationwide Capital Services, LLC, No. 2:24-cv-02391 (D. Kan. 2025), the court analyzed whether the consumer had suffered a concrete injury and found she had standing to pursue her FDCPA claim, based in part on the cost and effort of responding to an improper communication. The order is available on Justia. Beyond these three, docket records list FDCPA suits against the company in Ohio, Wisconsin, Idaho, and Tennessee, several of which reached entry of default. Full case documents are not always free to view, and complete federal dockets require a PACER account.
If the collector is going further and has filed a structured settlement debt collector lawsuit against you, do not ignore it. Responding by the court deadline is what preserves your defenses, including forcing the collector to prove it owns the debt and that the amount is correct.
What are your rights against Structured Settlement?
You hold four overlapping sets of protections when a structured settlement collection agency contacts you. They apply at the same time, so you do not have to pick one.
- FDCPA (federal): limits when and how a third-party collector contacts you, bars harassment and false threats, and gives you the right to demand written validation of the debt within 30 days of first contact.
- TCPA (federal): restricts autodialed and prerecorded calls or texts to your cell phone without consent, with damages of $500 to $1,500 per call. The automated voicemails reviewers describe are exactly the kind of contact that can raise TCPA issues.
- FCRA (federal): governs what the collector reports to the credit bureaus. A collection can generally report for up to seven years, and if the account is inaccurate or already paid you can dispute it. Under Sections 611 and 623, the bureau and the furnisher must investigate, usually within 30 days. The reviewer who said her payoff was never reported on time is describing precisely the kind of failure the FCRA addresses.
- Nevada law (state): under NRS Chapter 649, a collection agency generally must be licensed by the Nevada Financial Institutions Division, and under a 2023 amendment that licensing requirement reaches debt buyers as well. An FDCPA violation is also a state violation under NRS 649.370.
We frequently see collectors keep calling after a written cease-and-desist letter. Under FDCPA Section 805(c), once you tell a third-party collector in writing to stop, it must stop most contact, and a single call afterward can be its own violation. A cease-and-desist does not erase the debt, but it changes what the collector is legally allowed to do, and here is the part that protects your wallet: if Structured Settlement violated the FDCPA, they pay our attorney fees, not you.
FDCPA violation comparison table
| Violation | Real example reported or alleged | Statute | Remedy |
|---|---|---|---|
| Calls before 8 a.m. or after 9 p.m. | Repeated calls at inconvenient times reported by reviewers | FDCPA Section 805 (1692c) | Up to $1,000 statutory damages plus fees |
| Third-party disclosure | Reviewer alleged calls to an uncle she had not spoken to in years | FDCPA Section 805(b) | Statutory and actual damages |
| Ignoring a cease-and-desist | Continued contact after a written stop request | FDCPA Section 805(c) | Each later contact can be a separate violation |
| False or misleading threats | Court record described misleading voicemails in Carlstrom | FDCPA Section 807 (1692e) | Statutory and actual damages plus fees |
| Harassing or repeated calls | Reviewer described yelling and calls hung up on her at work | FDCPA Section 806 (1692d) | Statutory and actual damages |
| Failure to validate the debt | Consumers report trouble getting the company’s true name and account details | FDCPA Section 809 (1692g) | Dispute rights and support for a potential claim |
In many of the cases we review, the collector never sent a proper written validation notice. That omission under Section 809 can matter as much as the calls, because it leaves you unable to confirm what you supposedly owe or who actually owns it.
How to verify a Structured Settlement debt before you pay
Do one thing before sending money or giving a payment card over the phone: make them prove it in writing. This single step protects you whether the debt is real, already paid, misreported, or not yours at all.
Send a written debt validation letter within 30 days of first contact and ask for the original creditor’s name, the account number, the full amount owed with any added fees broken out, and proof that Nationwide Capital Services has the right to collect. Keep a copy and send it by a method you can prove. You can also confirm the company’s collection-agency license through the Nevada Financial Institutions Division license look-up, and check the statute of limitations in your state, because an old debt may be time-barred. Making even a small payment on a time-barred debt can restart that clock, so verify first and pay second.
How to stop Structured Settlement calls
- Write down every call. Log the date, time, number, the agent’s name, and what was said. The reviews name agents like “Lori,” “Paul,” and “John,” and that level of detail strengthens your record.
- Ask for written validation. Request everything in writing and stop discussing payment until you receive it.
- Send a cease-and-desist in writing. A cease-and-desist letter sent by a method you can prove requires a third-party collector to stop most contact under Section 805(c).
- Dispute any credit-reporting errors. If the account is wrong or already paid, dispute it with the bureaus and keep the collector’s response.
- File complaints and get legal help. Report the conduct to the FTC, the FCC for robocalls, and the Nevada Attorney General’s Bureau of Consumer Protection, then talk to an attorney about whether the calls support a claim.
For scale, the FTC’s Consumer Sentinel Network logged roughly 219,000 debt collection reports from consumers in 2024, which you can see in the 2024 Consumer Sentinel Network Data Book. You are far from alone, and complaints like yours are what regulators use to build cases.
How Consumer Rights Law Firm PLLC can help
You do not have to handle a collector that already carries a stack of federal lawsuits on your own. Consumer Rights Law Firm PLLC has focused on debt collection abuse since 2010, and we deal with agencies like Structured Settlement so you do not have to field the next call.
Here is the part that matters for your wallet. We work on contingency, so there is no upfront cost to you, and if Structured Settlement violated the FDCPA, they pay our attorney fees, not you, because the statute shifts those fees to the collector that broke the law. You can start with a free case review or see how we work before deciding anything.
Call us at (877) 700-5790 or reach out through our contact page to talk through your options. If you believe the conduct was unlawful, you can also file a complaint with us to get started.
Success Stories
- Matthew was very professional, very helpful & very knowledgeable about my situation. Matthew made sure to stay in touch with me every step of the way. Not only was my debt cleared but I will also receive some money back! I highly recommend the consumer rights law firm
- I recommend Scott and Associates from the Consumer Rights Law Firm PLLC for your needs if you are having problems with any debt collector. I acquired their services for one that violated my rights multiple times and they secured a good settlement for me with no fees out of pocket. Thanks, Scott and Associates!
- I was skeptical at first-but man was I wrong! The service I received was second to none and I couldn’t be more happy with the outcome. No matter the time of day or how stupid my questions were-they were always there to explain and help me through the process!! I was promised there would be no out of pocket fees for their services and they delivered on that promise! You will be in good hands with this firm! Thank you!!
Frequently asked questions
Is Structured Settlement a scam?
It is a real collection agency operating as Nationwide Capital Services, not a phantom scam, but the confusing name and the complaints mean you should verify any debt before paying.
Why is Structured Settlement calling me?
An old consumer account, often a personal loan or credit card, was placed with or sold to them, and they are trying to collect it.
Is “Structured Settlement” the same as Nationwide Capital Services?
Yes. The BBB lists Nationwide Capital Services, LLC as the alternate name for the business operating as Structured Settlement.
What is the Structured Settlement debt collector phone number?
The BBB lists (702) 213-4518 for the Henderson, Nevada office.
Can Structured Settlement sue me or garnish my wages?
They can file suit on a valid, in-date debt, but they cannot garnish wages without first winning a judgment, and threats to do so otherwise may violate the FDCPA.
Is the Structured Settlement debt collector suing me?
Only if you have been served with a summons; respond by the court deadline, and note that threatening a lawsuit it does not intend to file may violate FDCPA Section 807.
What is the Structured Settlement debt collector website?
The company operates under its legal name at nationwide-capitalservices.com, the site for Nationwide Capital Services, LLC.
Should I hire a structured settlement lawyer if the calls continue? A consumer protection lawyer can review whether the calls break the FDCPA at no upfront cost, and the collector pays the fees if it violated the law.
