National Recovery Services Phone Harassment: Your Rights & What To Do
If National Recovery Services is repeatedly calling you about a debt, especially outside normal hours, without documentation, or after you ask them to stop you may be a victim of illegal phone harassment with federal rights and remedies.
National Recovery Services is a third‑party debt collection agency that attempts to collect unpaid debts across the United States. According to the Better Business Bureau (BBB), National Recovery Services, LLC is not a BBB Accredited Business, has a D rating, and has received multiple consumer complaints about its practices.
While many legitimate debt collectors operate within the law, National Recovery Services has been reported by consumers for aggressive collections, repeated calls, and contact with third parties. Knowing your rights under federal law is crucial if you are receiving these calls.
Table of Contents
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Introduction: National Recovery Services Phone Harassment
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What National Recovery Services Calls Look Like
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Your Rights Under Federal Law (FDCPA & TCPA)
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Signs That National Recovery Services Is Violating Your Rights
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What To Do If You’re Being Harassed by National Recovery Services
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Documenting & Proving Harassment
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What’s New in 2026: Trends & Enforcement in Debt Collection Harassment
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Known National Recovery Services Phone Numbers
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Complaints Against National Recovery Services
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About Consumer Rights Law Firm PLLC
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FAQs
What National Recovery Services Calls Look Like
Harassing debt collection calls from National Recovery Services often include excessive phone contact, threats of legal action, or demands without validation.
Many people report calls from National Recovery Services that:
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Come from multiple numbers repeatedly throughout the day or week.
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Include threats of wage garnishment, lawsuits, or other legal consequences.
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Are about debts the consumer doesn’t recognize.
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Continue even after the consumer asked for calls to stop.
Consumers have posted anecdotes and complaints about calls with pressure tactics and insufficient documentation of any alleged debt. While these reports do not alone prove legal violation, they suggest patterns that may trigger protections under federal law.
It’s also common for consumers to be contacted without receiving a written debt validation notice in the mail a debt collector’s legal obligation under federal debt collection law. Understanding your rights is the first step to stopping harassment.
Your Rights Under Federal Law (FDCPA & TCPA)
Two major federal laws protect you from abusive phone harassment by National Recovery Services: the Fair Debt Collection Practices Act (FDCPA) and the Telephone Consumer Protection Act (TCPA).
Fair Debt Collection Practices Act (FDCPA)
The Fair Debt Collection Practices Act (FDCPA) is a federal law that governs how third‑party debt collectors may communicate with consumers. It is enforced by the Federal Trade Commission (FTC) and the (CFPB) and allows you to sue a collector who violates its provisions.
Under the FDCPA:
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Debt collectors may not harass, oppress, or abuse you in connection with debt collection.
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Collectors cannot make repeated phone calls to annoy or abuse a person.
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They cannot threaten arrest, violence, or legal action they do not intend to take.
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They must provide a written validation notice that includes the amount owed and creditor identity within five days of first contact.
If a collector violates the FDCPA, you may recover actual damages, statutory damages (up to $1,000), and attorney’s fees.
Telephone Consumer Protection Act (TCPA)
The Telephone Consumer Protection Act (TCPA) is a separate federal statute that regulates telephone communications, including robocalls and automated dialing. It applies when calls are made to your cell phone without consent or using automated systems.
Under the TCPA:
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You may be entitled to $500 in statutory damages per call or text if the call violates the law.
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If the violation is willful or knowing, damages may increase to $1,500 per call or text.
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The TCPA covers automated calls, prerecorded messages, and calls without consent, even if the caller is a debt collector.
Source: Wikipedia
Federal Law Comparison: FDCPA vs TCPA
| Law | Primary Protection | Who It Applies To | Damages Available | Key Features |
|---|---|---|---|---|
| FDCPA | Prevents abusive debt collection practices | Third‑party debt collectors | Actual damages + statutory damages up to $1,000 + attorney fees | Bars harassment, threats, misrepresentation; must validate debt |
| TCPA | Regulates unlawful robocalls & automated calls | Callers using autodialers or prerecorded messages | $500 per violation; up to $1,500 if willful | Covers calls/texts without consent; privacy protections |
Signs That National Recovery Services Is Violating Your Rights
Repeated calling, threats, calls outside legal hours, contact with third parties, and failure to validate a debt are key signs of illegal harassment.
Major red flags include:
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Calling repeatedly or daily.
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Contact outside 8 a.m. to 9 p.m. (local time).
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Threatening wage garnishment, lawsuits, or arrest without proper notices.
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Contacting your workplace or family members about your debt.
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Not providing a written validation notice after initial contact.
These actions, if present, may constitute violations of the FDCPA and could give rise to legal remedies.
Source: Congress Gov FDCPA , WIEB US Courts
What To Do If You’re Being Harassed by National Recovery Services
Actively document all contact, send a written cease‑and‑desist/validation request, and consider legal action under FDCPA and TCPA.
Step‑by‑Step Guide
A. Document Everything
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Keep logs of all calls, including time, date, number, and caller statements.
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Save voicemails, SMS, and caller ID records.
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Write notes immediately after each contact.
B. Send a Cease‑and‑Desist Letter
A cease‑and‑desist letter formally tells the collector to stop contacting you:
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Send it certified mail with return receipt.
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Once received, National Recovery Services generally may not call you again, except to confirm receipt or notify you of legal actions.
Be careful: sending this letter does not make the debt go away, nor does it prevent legal action if the debt is valid. It only stops further communication.
C. Request Debt Validation
Within 30 days of the first contact, you can request debt validation:
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Ask for written proof of the exact debt, creditor, and documentation showing your obligation.
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If they cannot provide this, they may be barred from collecting.
D. Consider Legal Action
You may file lawsuits under:
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FDCPA for harassment, with statutory damages up to $1,000 plus attorney fees.
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TCPA for unlawful calls, with statutory damages $500–$1,500 per call.
Source: PFS2 ACL GOV, DEBT ORG
Who to Contact for Official Support
| Agency/Entity | What They Do | Where to File/Report |
|---|---|---|
| Federal Trade Commission (FTC) | Enforces FDCPA & consumer protection | Report at FTC GOV |
| Supervises debt collectors | File complaint at GOV | |
| Federal Communications Commission | Enforces TCPA | File complaint at FCC GOV |
| State Attorney General | State consumer protection enforcement | Contact your state AG consumer protection division |
If you’re dealing with repeated or threatening debt collection calls, we can help you take action and protect your rights. Contact us today to get started.
Documenting & Proving Harassment
Thorough and timely documentation, witness evidence, and call logs strengthen your case under FDCPA and TCPA.
Helpful documentation includes:
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Call logs with timestamps.
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Recordings (where lawful).
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Copies of letters and emails.
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Proof of no consent for calls.
Use certified mail for letters, and maintain digital backups of all records to support legal action.
What’s New in 2026: Trends & Enforcement in Debt Collection Harassment
Enforcement is increasing, TCPA interpretations are shifting, and federal agencies remain active in consumer debt protection.
2026 Highlights
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The FTC and CFPB continue prioritizing enforcement against abusive collectors under the FDCPA.
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TCPA enforcement is evolving as courts revisit long‑standing interpretations of automated calls and dialing systems. A Supreme Court decision in 2025 clarified judge‑level authority to interpret TCPA provisions, potentially impacting how calls are evaluated.
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Consumers increasingly file CFPB complaints and seek statutory remedies for unlawful calls and harassment.
Known National Recovery Services Phone Numbers
Are you receiving calls from any of these phone numbers?
| National Recovery Services Phone Numbers |
|---|
| 866-714-7368 |
| 716-923-7485 |
| 980-225-5560 |
| 704-464-6550 |
| 347-492-2826 |
| 980-621-2746 |
| 704-464-6398 |
| 980-225-5561 |
| 888-622-0222 |
| 785-242-2744 |
If the answer is yes, then you are receiving calls from a known NRS number. You may be a victim of NRS phone harassment. The list above is not all the numbers that NRS uses. The calls can be from different phone numbers and it still be National Recovery Services calling you. Contact our office right away so we can start the process to stop National recovery solution from calling you illegally because no one should live with harassment!
Complaints Against National Recovery Services
The following is a sample list of complaints filed against National Recovery Services in the past year and can be found on Pacer.gov.
| Case Number | Plaintiff | Defendant | Notes / Court |
|---|---|---|---|
| 2:09-cv-03284-GAF-JWJ | Meske | National Recovery Services | Filed in federal court (PACER record) |
| 2:10-cv-06039-GHK-MAN | Dominguez | National Recovery Services | Filed in federal court (PACER record) |
| 1:11-cv-00497-SOM-BMK | Ball | National Recovery Services | Filed in federal court (PACER record) |
| 2:09-cv-02390-CM-JPO | Proctor | National Recovery Services | Filed in federal court (PACER record) |
| 0:10-cv-00512-PAM-JSM | Brown | National Recovery Services | Filed in federal court (PACER record) |
About Us
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the National Recovery Services harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from National recovery solution, call us at (877)700-5790 for immediate assistance or talk to an attorney here.
Success Stories
I have used the Consumer Rights Law Firm for several cases. They handle my cases quickly and always to my favor. From the very first meeting they have held to their promise of never asking me for money out of my pocket. Highly recommend this firm!
I worked with Scott and he was an absolute pleasure! He was very swift, honest, resourceful, helpful. He reassured me that I would never be asked for any money out of my pocket. His assistance with settling my case lifted a huge weight off my shoulders! Thank you so much, Scott! God bless!
FAQs
Q: What is National Recovery Services?
A: National Recovery Services, LLC is a third‑party debt collection agency operating nationally and listed at 109 W 2nd St, Ottawa, KS. It is not accredited by the BBB and has multiple consumer complaints on record.
Q: Is National Recovery Services legitimate?
A: Yes, it is a legal debt collection agency, but legitimacy does not mean its practices cannot violate federal laws.
Q: Can National Recovery Services garnish my wages?
A: They cannot garnish wages without first obtaining a court judgment. If they sue you and win, they may seek garnishment under state law.
Q: Can National Recovery Services sue me?
A: Yes, they may file a lawsuit if the debt is valid and within the statute of limitations.
Q: What should I do if they call me repeatedly?
A: Document every call, send a written cease‑and‑desist letter, request debt validation, and consider legal action.
Q: Can I recover money for harassment?
A: Yes—under FDCPA and TCPA you could recover statutory and actual damages.
Q: How long do I have to sue under FDCPA?
A: You generally have one year from the date of the violation to file suit.
Q: Do they have to send a validation notice?
A: Yes. Under the FDCPA, written validation must be provided within five days of initial contact.
Q: What if they call outside allowed hours?
A: Calls outside 8 a.m. to 9 p.m. local time may violate the FDCPA.
Q: Can calls to my workplace stop me from suing?
A: No, calling your workplace after you tell them not to can be an FDCPA violation.
