Nations Recovery Center Debt Collection Harassment?

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Updated by Attorney Derek DePetrillo on April 16, 2024

Nations Recovery Center Debt Collection Harassment

Are you tired of Nations Recovery Center Debt Collection Harassment? Do they call your phone several times every day to demand payment? Even though Nations Recovery Center is restricted in the total amount of calls they can make to you daily, the law still allows some debt collectors to make as many as 15 calls to consumers whose accounts they are handling every day. If you are on the receiving end of these calls, it can begin to feel a lot like Nations Recovery Center phone harassment. 

These unethical practices carried out by unscrupulous debt collection agents often result in drastic consequences for innocent consumers, especially those who do not possess adequate knowledge about the debt collection process that is needed to navigate the situation properly. Sometimes, consumers like this only realize how big of a mess they are in when the debt collection agency successfully gets their bank accounts frozen, or their wages garnished.

If you are a harassed consumer like the one in the example we gave above, then what you might not know is that debt collectors are required to act in accordance with the FDCPA (Fair Debt Collection Practices Act), which protects the rights of innocent consumers like you throughout the process of debt collection. The FDCPA makes provisions for harassed consumers to be awarded up to $1000 for statutory damages caused by the violation of their FDCPA rights, along with paying your attorney fees. Call us now at 877-700-5790 and we will be happy to put our years of experience to work for you.

6 Tips for dealing with Debt Collection Harassment

Just in case you find yourself caught up in the middle of a sticky debt situation, here are 6 tips to help you overcome debt collection harassment:

  • Insist that the debt collector verifies the debt: Some debt collectors are infamous for the unscrupulous practices they engage in, such as threatening legal action on debt that is non-existent or that has gone way past the statute of limitations. Requesting for debt validation becomes twice as important when you realize that you could be the victim of a debt collection scam, mistaken identity, or a zombie debt; therefore, it is not only advisable but also in your best interest to politely ask the debt collector calling you claiming to be from Nations Recovery Center for written verification of the debt they claim you owe. They are also required to furnish you with information regarding the amount of the debt, the details of the original creditor, and the full name of the person who owes the debt (including abbreviations and titles to ensure that they aren’t just after someone with a similar name). The law gives a debt collection agency five days to send this notice to you and you have 30 days to dispute the debt if you think there is a problem with the details.


  • Know your rights and insist they are respected:  Enacted by Congress in 1977, the FDCPA spells out exactly what is considered to be ethical and unethical in the context of debt collection. If you face Nations Recovery Center phone harassment while engaged in debt collection negotiations with them, then it is in your best interest to get familiar with the consumer protection laws in order to be able to judge – with a level of accuracy- when they violate the rules. Furthermore, debt collectors know that they are not allowed to place calls to you before 8 a.m. or after 9 p.m. or on a holiday. They are also not allowed to use abusive, profane, or unprofessional language during their communications with you. They are not allowed to threaten you with violence, arrest, a lawsuit that they do not intend to pursue, or to add additional fees to the amount you owe. If you think your rights have been violated, you can file a complaint with the Federal Trade Commission or call us now at 877-700-5790.


  • Know your state’s debt collection statutes and guidelines: In addition to enforcing the FDCPA, several states have additional rules regarding what is considered ethical during the collection of a debt. Some states place limits on the communication that a debt collector is allowed to have with you, while some others have a more defined set of rules for what is considered debt collection harassment. In Massachusetts, for example, the law is much more restrictive on allowable calls. In this state, a debt collector isn’t permitted to call you at home more than twice for each debt in any seven-day period, or more than twice in a 30-day period in a place that’s not your home. They are also prohibited from placing calls to your place of employment once you’ve made an oral or written request not to do so. This is why it is extremely important to know the rules and guidelines regarding debt collection in your state.


  • Keep records: You should keep detailed records of both the calls you take and the ones that go to voice mail. Remember that your notes should contain details such as the date and time of the phone call, the number that you received the call from, the number that you received that call on, and details of the conversation or voicemail message. Take note of the name of the debt collection representative, the name of the agency they work for, their mailing address, the name of the alleged first-party creditor, and the amount of money they claim you owe. These details will come in handy if a lawsuit becomes necessary.


  • Don’t say too much: When you receive a routine debt collection call (legitimate or not), one of the worst things you can possibly do is share your personal information with the person on the other end of the line. Anything you say during the Nations Recovery Center debt collection process can and may will be used against you in pursuing the debt. So don’t let them know your bank account details, how much you earn, your employer’s name, or your social security number. Ask them to validate the debt and avoid having any conversations with them until they do that.


  • You are allowed to hang up when necessary: If you’re exposed to Nations Recovery Center phone harassment during the process of debt collection,  then it’s okay to hang up on them to protect your sanity and mental health. The fact that you owe Nations Recovery Center phone harassment a debt does not give them leverage to threaten or abuse you. Be sure to take note of the debt collection representative’s name, firm, and what they said just in case you decide to file a complaint.


  • Don’t ignore legitimate collection calls: We have good news and bad news. The bad news is that ignoring debt collection calls from legitimate agencies like Nations Recovery Center will not make the debt go away (if anything, it only makes the situation much worse). The good news, on the other hand, is that debts can always be handled properly with the right knowledge and practices. We understand that it might be tempting to ignore legitimate collection calls when money is tight, however, don’t do it. It is always in the best interest of your long-term financial health to face a legitimate debt collector head-on.

How to Dispute a debt you don’t agree with

Nations Recovery employs a plethora of methods in their attempt to retrieve debts from you. This is why you must be savvy and thorough when trying to dispute a debt National Recovery Collections claims that you owe.

First and foremost, you must gather all of the information and correspondence you have received from National Recovery Center collection agency as evidence. This includes any letters and documents that they have sent you as well as your own proof that you do not owe the debt or that it has been discharged. You may also use witnesses who can testify in your favor.

Here’s how to go about disputing the debt Nations Recovery Services Inc. claims that you owe.

  • Do not admit to owning the debt or even having any knowledge about it over the phone with a Nations Recovery debt collector, as saying the wrong thing could put you in serious trouble.
  • Ask the person claiming to be a representative of Nations Recovery Center to provide their name, address, and phone number. If they can’t, then chances are that you are dealing with a scammer.
  • According to law, Nations Recovery Center Inc. is supposed to furnish you with details of the alleged debt during the first phone call or within five days. Make a note of that if it doesn’t come in five days, as this is a violation on the part of the debt collector. The document should tell you the amount you owe, the current owner of the debt, and how to contact the original creditor.
  • Request a copy of your credit report from the three major reporting agencies (Experian, Equifax, TransUnion) as soon as a Nations Recovery debt collector calls to check for any inconsistencies.
  • If you find any inconsistencies, complete a credit bureau dispute form.
  • Print your credit report, highlighting the inconsistencies you have found.
  • Submit your dispute to the credit agency, by uploading or sending via certified mail with a return receipt.

After you have taken the steps outlined above, the next thing to do will be to send a debt dispute letter. Note that you can send a debt dispute letter regardless of whether or not you find inconsistencies on your credit report.

To send a debt dispute letter, you can either use one of the sample letters provided by the CFPB or contact an attorney to craft an effective one on your behalf. You can reach an A+ accredited attorney at 877-700-5790.

Who is Nations Recovery Center? 

Nations Recovery Center Georgia is a third-party debt collector located in Atlanta. They have been a party to over 220 federal cases based on their issuance of credit and collection of debts incurred on their credit cards. A recent Federal Court case alleges that Nations Recovery Center used illegal and harassing communication tactics, such as repeated phone calls after knowing it was harassment to attempt to coerce a payment from the harassed consumer.

Contact Information

Address: 6491 Peachtree Industrial Blvd
Atlanta, GA 30360-2100
Phone: (770) 234-0101
Toll Free: (800) 935-1139
Fax: (330) 963-0210

Is Nations Recovery Center, Inc a scam?

According to the Better Business Bureau website, National Recovery Center Collection Agency is a legitimate organization that has been in business since 1991. There have been 49 Nations Recovery Center complaints closed in the last 3 years and 11 complaints closed out in the last 12 months with the BBB against NRC Inc. Verify the identity of the caller to avoid falling victim to a Nations Recovery Center scam. You can read more here: Nations Recovery Center, Inc Better Business Bureau 

Nations Recovery Center, Inc is often referred to or searched for by other names. These include:

Nations Recovery Center, Nation Recovery, Nations Recovery, National Recovery Center Collection Agency, Nation Recovery Center, National Recovery Center Inc, Nations Recovery Center Inc, National Recovery Center, Nations Recovery Services, NRC Collection Agency, National Judgement Recovery Center, Nations Recovery Services Inc, NRC Atlanta, National Recovery Center Inc, NRC Inc, NRC Ind, NRC Agency, NRC Services


Nations Recovery Center Phone Numbers             

Are you receiving harassing phone calls from any of these numbers?

866-929-6971, 678-228-3401, 800-935-1139, 866-363-2498, 866-363-3765, 888-234-6548, 817-422-0567, 678-259-0024, 800-203-6009, 866-929-6974, 866-361-4567, 888-234-7072, 770-933-5215, 866-929-6968, 905-819-8939, 888-234-3215, 800-935-1139, 888-234-6548, 770-234-0101, 800-935-1139, (866) 361-4567, (770) 234-0101,

If so, you may be a victim of Nations Recovery Center debt collection harassment. Call us immediately at 877-700-5790 for advice and assistance.

The following is a sample list of complaints filed against Asset Recovery Associates, Inc. in 2018 and 2019 and can be found on Pacer.org.

3:19-cv-00064-PLR-DCP Pearcy v. Nations Recovery Center, Inc. et al (PLR2)

4:18-cv-00068-AWA-DEM Mitchell, for himself and on behalf other similarly situated v. Nations Recovery Center, Inc. et al

1:18-cv-03257-ENV-SJB Madar v. Nations Recovery Center, Inc.

4:18-cv-00730-RWS Andre v. LVNV Funding, LLC et al

3:18-cv-00252-slc Block, Joseph v. Nations Recovery Center, Inc.


Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from National Recovery Center. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at 877-700-5790 for immediate assistance.

Check out the links below for additional information:


Georgia Attorney General

Consumer Financial Protection Bureau

Nations Recovery Center Debt Collection Harassment
Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.