At a glance National Recovery Corp (NRC) is a legitimate third-party collection agency with its head office in Cambridge, Ontario. The company collects consumer and commercial debts across Canada.
NRC provides consumer collections, commercial collections, skip tracing and dormant debt recovery for banks, credit unions, retailers, governments and not-for-profit organizations. Its commercial division operates as Commercial Recovery Canada.
If NRC contacts you, a creditor has passed your account to them. Obtain written proof you owe the debt before paying or sharing any information.
If the amount looks wrong or you don't recognize the debt, dispute it in writing. If NRC calls outside allowed hours, harasses you, or breaks any other rule, make a complaint to your provincial regulator.
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
Contact National Recovery Corp (NRC)
1-877-476-4040
Contact this debt collection agency to verify details, dispute the debt or resolve your account.
Visit agency websiteWhy 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
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.
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.
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
Check your own report to see whether National Recovery Corp (NRC) has reported the account and whether the information is correct.
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, amount, account number and the date of last activity. Don't confirm anything until you've reviewed it 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 credit report to see what National Recovery Corp (NRC) has reported about you. Get your free credit score and report with Borrowell.
Step 4: Dispute the debt in writing if it's wrong. Keep copies of everything you send.
Step 5: Check the statute of limitations in your province before you pay or acknowledge the debt in writing.
Step 6: Settle if the debt is correct. Sometimes, National Recovery Corp (NRC) might accept a one-time lump sum for less than the full balance. Get any agreement in writing before you pay.
Step 7: Pay by a traceable method like online banking, e-Transfer, or card. Get a receipt.
Step 8: Get help if you can't pay. Talk to a Licensed Insolvency Trustee or non-profit credit counsellor.
Source: Government of Canada (FCAC) – Dealing with a debt collector
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.
| 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 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.
Accreditations
National Recovery Corp (NRC) locations
National Recovery Corp (NRC) has one office, in Cambridge, Ontario.
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
FAQs
Is National Recovery Corp the same as NRC Collections?
Yes. National Recovery Corp uses NRC and NRC Collections as short names. The company's website is nrccollections.ca. All three names refer to the same collection agency in Cambridge, Ontario.
Is National Recovery Corp government or private?
National Recovery Corp is a private, third-party collection agency. It's not a government body, though governments hire it to collect unpaid fines and fees.
Can National Recovery Corp call me at any time?
No. Calling hours depend on your province. In Ontario, the allowed window is 7 a.m. to 9 p.m. Monday to Saturday and 1 p.m. to 5 p.m. on Sundays, with no calls on statutory holidays. Alberta allows calls from 7 a.m. to 10 p.m. any day.
Sources: Government of Ontario – Stop collection agency calls and Government of Alberta – Collection and Debt Repayment Practices Regulation, s.12(1)(g)
What if I don't recognize the debt National Recovery Corp is collecting?
Ask National Recovery Corp for written verification before you admit to anything. The debt is most likely legitimate, an old account you forgot, or one your original creditor sold. Sometimes it could be a mistake or a scam.
Pull your credit report to see whether the account appears. You can access your free credit score and report with Borrowell. If it still doesn't look right after researching, dispute it in writing.
Can National Recovery Corp garnish my wages or freeze my bank account?
Not without a court judgment. A call or letter from National Recovery Corp doesn't give them that power. The creditor must sue you and win in court before anyone can garnish wages or freeze an account.
Can National Recovery Corp contact my family or employer?
Only to get your telephone number or address. National Recovery Corp can't discuss your debt with family members, friends or your employer.
Learn more about provincial restrictions on collection calls at work.
Source: Government of Canada (FCAC) – Debt collection: know your rights
Can I negotiate a settlement with National Recovery Corp?
You can offer National Recovery Corp a one-off lump sum for less than the full balance. Some creditors accept a settlement and some refuse. Get any agreement in writing before you send money and keep proof of payment.
What happens if I ignore National Recovery Corp?
The debt doesn't disappear. National Recovery Corp reports unpaid balances to credit bureaus, which damages your credit score. The creditor can also take you to court. If you can't pay, speak with a Licensed Insolvency Trustee or a non-profit credit counselling service about your options.
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Joe launched CollectionAgencies.ca in 2025. He has worked in Canadian personal finance since 2023. 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.