Complaint Review: NRS & Associates - Mark Wilson - Carrollton Texas

The statement you made, that you as a collector will just review an account after the 7 year drop off and place it back on. Show's that as a collector you don't know, care or understand Federal Law. Before you go giving advice that's in violation of the law, try reading FDCPA, FCRA section 623 and 15 usc 1692. What you will do is reage an debt and a collector can be sued along with the collection agency. Which company do you work for? don't be scared.

Any proof must be requested in writing by the consumer. According to the Fair Debt Collection Practices Act, a consumer can only get proof of the debt by written request to the agency that is attempting to collect the debt. If there is no written request then you get no proof. Also by law the collection agency can call the consumer once a day every day at their residence. They can only call your job once per week or until management requests that the collector is not to call again. Also when you make the statement that the debt will fall off of you report in 7 years, guess what the agency will go back in and just view your debt to make activity on it to keep it on your report. Changing your phone number doesn't help much either due the skip tracing systems we use. We do have the ability of finding out where you live your new number and where you work. We also view your credit report while you are on the phone with us to see what kind of credit cards or what checking account can be used to pay the debt with the authorization of the consumer. You will say this is illegal but according to the formentioned FDCPA when you sign up for anything there is a waiver you end up agreeing to that allow for us the collector to do this if the account goes delinquent.

Whenever they call again, first ask for proof of debt, if they start to yell press the "1" button on your telephone and hold it down(It screams in THEIR ears) untill they either quit yelling, or hang up. Repeat this every time they call, if they speak politely respond politely, keep requesting "Proof of debt" If they will not send proof a debt exists, they are NOT a legitimate company.

Having just had a run in with this company, I found this site. I see that the address in Carrollton, TX is not the same as the address I had to verbally pry from the person answering my call. If you use teh number the caller-ID gives you, the voice mail answrs with "You have reached the administrative department" with absolutely no identification or indication that you have reached NRS. And if by "legit" you mean you comply with the laws required to open a debt collection agency, then you are indeed "legit". However if you mean that you comply with the debt collection laws, that is very definitly another matter. "Belligerence" is an understatement when dealing with these people. It more acurately describes the tone set by whoever answers your call. Yelling into the phone seems to be the order of the day. I was cursed at (albeit one time), yelled at, and the cacophony in the background points out that this seems to be normal operating procedures. I am not certain, but I believe that discussing a persons indebtedness with a person that is not the individual from whom the collection is being attempted is not legal, but they most certainly will do that also. I owe nothing to this company, yet they insist on calling me on my phone, abusing me cerbally and continually talking over me. I believe that their definition of legitimacy and mine are very different.

Turns out, despite his criptic talk, this is a legit company. His rudeness led me to believe it was a scam, but it wasn't. Someone actually used my info to create a false account that now needed collection. Apparently NRS & Assoc was hired to collect. Again, NRS & Assoc is a legit company.