What is National Recovery Corp?
National Recovery Corp (NRC) is a third-party collection agency that recovers consumer and commercial debts for creditors, including banks, credit unions, retailers and government bodies.
Its head office is in Cambridge, Ontario, and its commercial division operates as Commercial Recovery Canada.
Source: National Recovery Corp – About
Why is National Recovery Corp calling me?
If National Recovery Corp (NRC) is calling you, it means a creditor is trying to collect an unpaid debt on behalf of a creditor.
Most calls are legitimate. But sometimes the account is one you already paid, one you forgot about or one that belongs to someone else. Mistaken identity and scams can happen too.
Before you confirm any personal information or acknowledge the debt, ask NRC for written verification. That means the creditor's name, the amount, the account number and the date of last activity.
Source: Government of Canada (FCAC) – Dealing with a debt collector
National Recovery Corp (NRC) phone numbers
These numbers are commonly associated with National Recovery Corp (NRC):
| Phone number | Type |
|---|---|
| Main | |
| User Reported | |
| User Reported | |
| User Reported |
Some numbers are submitted by users. We call to verify each one and recheck periodically, but numbers can change.
If you receive a call from a different number claiming to be National Recovery Corp (NRC), verify the debt in writing and confirm the details before paying.
Who does National Recovery Corp collect for?
National Recovery Corp collects consumer debts for banks, telcoms, credit unions and retail accounts.
Consumer reports link National Recovery Corp (NRC) to three creditors, most often in banking and telecom.
| Industry | Consumer-reported creditors |
|---|---|
| Telecommunications | |
| Banking & Financial Services |
Know another company National Recovery Corp (NRC) collects for?
In the commercial sector, it collects business-to-business debts and works with governments and not-for-profit organizations.
NRC also recovers dormant debt, meaning old accounts that earlier collection attempts failed to recover.
Is National Recovery Corp a legitimate collection agency?
Yes. National Recovery Corp is a legitimate Canadian collection agency.
The company publicly lists its Cambridge head office and a toll-free number. It states it's fully licensed and bonded, allowing it to work in every province and territory.
National Recovery Corp is a member of the Canadian Society of Collection Agencies.
Will National Recovery Corp (NRC) affect my credit score?
A collection account from National Recovery Corp (NRC) will severely damage your credit score once it's reported to Equifax or TransUnion.
It stays on your credit report for 6 years from the date of your first missed payment, known as the date of first delinquency. Paying it won't remove the mark from your credit file but updates the status to paid, which looks better to future lenders.
Source: Equifax Canada – How long does information stay on my credit report
What to do if National Recovery Corp (NRC) calls you (step by step)
Scammers impersonate legitimate collection agencies. Verify them using the details on this page, or visit their website at nrccollections.ca.
What if the debt is old?
Every province has a time limit on how long a collection agency like National Recovery Corp (NRC) can sue you for an unpaid debt.
Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia
Quebec
Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon
Once the limitation period expires, National Recovery Corp (NRC) can still sue you, but you can raise the expired limitation period as a complete defence. The defence isn't automatic. You have to file a defence in court and plead the expired limitation period. If you don't, the court will grant default judgment as if the limitation didn't apply.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired.
These limitation periods apply to most consumer debts like credit cards, lines of credit, and personal loans. Different rules may apply to government debts, court judgments, or secured debts like mortgages.
For more information, read our guide about debt statute of limitations.
How to stop calls from National Recovery Corp (NRC)
Sometimes, you can stop collection calls from a collection agency by sending a cease and desist letter. Once National Recovery Corp (NRC) receive it, they have to stop calling. The debt doesn't go away, and they can still take legal action. You can use our cease and desist letter templates.
Provincial law doesn't give you this right in Manitoba, Saskatchewan, Newfoundland and Labrador, Prince Edward Island or the Yukon.
Regardless of province, if the debt's on a loan, line of credit, or credit card, send the letter by registered mail under federal law. Federal law is the only law in Canada that also stops an original creditor's in-house collectors, not just a collection agency. You can send it to your original creditor and its collection agent, a collection agency or a law firm.
If National Recovery Corp (NRC) is making collection calls to you from its Ontario location, then you can send a cease and desist letter available under Ontario's law.
Restrictions on calls to your workplace
Many provinces and territories place restrictions on collection agencies when they attempt to call you at your workplace.
How to file a complaint about National Recovery Corp (NRC)
In Canada, debt collection is regulated province by province, not federally. The rules ban harassment, calling outside set hours, discussing your debt with your family or employer, and threatening legal action they have no intention of taking.
Source: Government of Canada (FCAC) – Debt collection: know your rights
If you think National Recovery Corp (NRC) is breaking any debt collection or privacy laws, contact the consumer protection authority in your province.
Before making a written complaint, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
Some consumer protection agencies regulating the conduct of collection agencies will not process your complaint unless you first send a written complaint to the collection agency summarizing the conduct in question and making a request for remedial action.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
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