What is National Recovery Corp (NRC)?
National Recovery Corp (NRC) is a debt collection agency that helps businesses recover unpaid debts. They offer consumer and commercial debt collection services across Canada, with their head office in Cambridge, Ontario. NRC has over 75 years of combined industry experience.
They collect debts for a variety of creditors including banks, credit unions, retail accounts, and commercial businesses. Many consumers report that NRC is persistent with phone calls when trying to recover debts.
Contact National Recovery Corp (NRC)
Contact this debt collection agency to verify details, dispute the debt, or resolve your account.
Visit agency websiteWhy is National Recovery Corp (NRC) calling me?
If you’ve received a call from National Recovery Corp (NRC), it usually means they’re trying to recover an unpaid debt on behalf of a creditor.
If you’re unsure why they’re calling, ask for written verification of the debt before sharing any personal information or making a payment.
National Recovery Corp (NRC) collects for:
- Banks and credit unions
- Retail accounts
- Telecommunications companies (phone, internet, cable)
- Banks and financial institutions (MBNA)
- Government agencies
- Healthcare providers and hospitals
- Utilities (hydro, gas, water)
- Education and student loans
- Commercial businesses
- Credit card companies
- Retail stores
Companies that use National Recovery Corp (NRC) for debt collection
Reported by consumers
Know another company National Recovery Corp (NRC) collects for?
National Recovery Corp (NRC) phone numbers
These numbers are commonly associated with National Recovery Corp (NRC):
| Phone number | Type |
|---|---|
| Main | |
| General | |
| General | |
| General |
Got a call from a number not shown here?
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.
Is National Recovery Corp (NRC) a legitimate collection agency?
Yes, National Recovery Corp (NRC) is a legitimate debt collection agency. Their head office is located in Cambridge, Ontario, and they are fully licensed and bonded to operate in all Canadian provinces and territories.
Is National Recovery Corp (NRC) a licensed collection agency in Ontario?
National Recovery Corp., operating as National Recovery Corp (NRC), is registered in Ontario as a collection agency under the Collection and Debt Settlement Services Act. The table below shows confirmed licence records as of March 2026.
| Legal Name | Location | Licence number | Status | Expiry |
|---|---|---|---|---|
| National Recovery Corp. | Cambridge, ON | 4707039 | Issued | Sep 5, 2026 |
Source: Government of Ontario – Search for a business licence (March 2026)
Is National Recovery Corp (NRC) a licensed collection agency in Alberta?
National Recovery Corp., operating as National Recovery Corp (NRC), is registered in Alberta as a collection agency under the Collection and Debt Repayment Practices Regulation. The table below shows the confirmed licence record as of March 2026.
| Business Name | Trading As | Location | Bonded | Expiry |
|---|---|---|---|---|
| National Recovery Corp. | — | Lethbridge, AB | Yes | Mar 31, 2027 |
Source: Service Alberta – Find out if a Business is Licenced (March 2026)
What to do if National Recovery Corp (NRC) calls you (step by step)
Step 1: Ask for written verification. Get the original creditor's name, the amount claimed, the date of last activity, and the account number. Don't confirm anything until you've reviewed everything in writing.
Step 2: Don't share personal details. No address, date of birth or banking information until you've confirmed the debt is yours.
Step 3: Check your own records. Pull your credit report from Equifax or TransUnion and compare it to what National Recovery Corp (NRC) sent you.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Negotiate if the debt is correct. You can offer a lump sum for less than the full amount or arrange a payment plan. Get any agreement in writing before you pay.
Step 6: Pay by a traceable method. Collection agencies like National Recovery Corp (NRC) typically accept online banking, Interac e-Transfer, credit or debit card through their website, or in person at a bank branch. Always get a receipt.
Step 7: Talk to a Licensed Insolvency Trustee or non-profit credit counselling service if you owe the debt and can't pay.
Source: Government of Canada (FCAC) – Dealing with a debt collector
Only consider a loan or a line of credit if you can comfortably afford the repayments. If you're unsure what to do, speak to a non-profit credit counsellor or a Licensed Insolvency Trustee first.
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.
| Province / Territory | Limitation period |
|---|---|
| Ontario, BC, Alberta, Saskatchewan, Manitoba, New Brunswick, Nova Scotia | 2 years |
| Quebec | 3 years |
| Newfoundland and Labrador, PEI, Northwest Territories, Nunavut, Yukon | 6 years |
Once the limitation period expires, National Recovery Corp (NRC) can still sue you, but you can raise the expired limitation period as a defence. If you do, the court will dismiss the case.
Making a payment or acknowledging the debt in writing restarts the limitation period, but only if it hasn't already expired. If you're unsure whether a debt is still within the limitation period, get legal advice before making any payment.
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 National Recovery Corp (NRC) from calling
If you want phone calls to stop, send National Recovery Corp (NRC) a written request. It won't erase the debt or prevent legal action, but it stops repeated calls, depending on your province.
Copy and paste this template:
Hello,
I request that you stop contacting me by phone regarding this account and communicate with me only in writing.
Please send written verification of the debt, including:
- The original creditor name
- The amount claimed
- A breakdown of principal, interest and fees
- The account reference number
- The date of last activity on the account
Do not contact me at my workplace.
Thank you,
[Your full name]
[Your mailing address or email]
[Your phone number (optional)]
[Date]
Note: Check your province's rules for any requirements to stop contact.
Source: Government of Canada (FCAC) - Dealing with a debt collector
How to file a complaint about National Recovery Corp (NRC)
If National Recovery Corp (NRC) doesn't follow the debt collection rules, contact the consumer protection authority in your province.
Before filing, document the dates and times of contact, the phone number used, what was said, and copies of any emails, letters or texts.
For contact details and links to your provincial office, visit the Federal, Provincial and Territorial Consumer Affairs Offices directory.
You can also file a complaint through the Better Business Bureau (BBB).
Accreditations
National Recovery Corp (NRC) locations
Locations that National Recovery Corp (NRC) operate in:
Provinces served
- Alberta
- British Columbia
- Manitoba
- New Brunswick
- Newfoundland and Labrador
- Northwest Territories
- Nova Scotia
- Nunavut
- Ontario
- Prince Edward Island
- Quebec
- Saskatchewan
- Yukon
Also known as
NRC
NRC Collections
Other collection agencies in Canada
Joe launched CollectionAgencies.ca in 2025. He maintains the directory, researches collection agencies across Canada, and manages the site's editorial content. Agency listings are sourced from provincial licensing records and legislation.