National Recovery Corp (NRC)

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.

Why 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

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.

Since scammers sometimes impersonate collection agencies, always verify any debt in writing before paying.

Your rights when a debt collection agency like National Recovery Corp (NRC) contacts you

Debt collectors and collection agencies must follow a code of conduct outlining what they can and cannot do:

• Every time a debt collector contacts you, they must identify themselves.
• Debt collectors can only contact you during specified hours, usually between 7 AM and 9 PM (but exact times depend on your province)
• They cannot make false or misleading representations to collect a debt.
• Debt collectors may not harass, threaten or intimidate you.
• Debt collectors may not use threatening, profane, intimidating or coercive language.
• Debt collectors may not apply undue, excessive or unreasonable pressure.
• Ask for written proof before answering questions, providing personal information, or paying anything.
• A debt collector can't contact you at work once you've told them not to.

What to do if a debt collection agency like National Recovery Corp (NRC) contacts you

1. Ask for written verification of the debt.
2. Don't acknowledge that you owe the debt or supply sensitive information until you've verified it.
3. If you want the phone calls to stop, you can request in writing that the collection agency stop calling, but this won't prevent further legal action.
4. If you don't think you owe money, dispute the debt and ask for written proof.
5. Consider speaking with a Licensed Insolvency Trustee for free advice.