Is NRA Group Calling You? There are some things you need to know about.*
Not too many people intentionally get themselves into debt. We take out a mortgage to get a home, sign up for credit cards to establish a credit profile, and finance a car so we can travel.
As long as we’re working and enjoy decent health, it’s all manageable.
It’s a far different story if you lose your job or become too ill or disabled to work. Then payments can pile up alarmingly fast, and next thing you know, third-party debt collectors are demanding your money.
Not all of them are civil about it either. Some will even pull tricks like those below, ignoring the fact that they are illegal under the Fair Debt Collection Practices Act (FDCPA).
- Swearing and using profane language
- Demanding more than you owe under the original credit agreement
- Calling you outside of the hours of 8:00 a.m. and 9:00 p.m. your time
- Calling several times per day
- Showing up at your house to intimidate you
- Telling you that you have committed a crime and will be arrested if you don’t pay
- Threatening legal action they have no intention of taking
Alleged Violations against NRA Group*
NRA Group is a collection agency headquartered in Harrisburg, Pennsylvania. It was founded in 2005 after the asset acquisition of two other collection agencies: National Recovery Agency, Inc and Credit Plus Solutions Group, Inc.
It has two branch offices: one in Mechanicsburg, PA, and another in Harrisburg.
According to the files retained at the PACER (Public Access to Court Electronic Records) website, NRA Group has been accused of violating consumer rights while attempting to collect a debt.
In December 2013 NRA Group started calling a Tennessee resident to collect a debt he allegedly owed. The plaintiff later claimed that they used an automated dialer, and upon answering the call, he heard a prerecorded message directing him to wait on the line because all representatives were busy assisting others.
On December 23, 2013, a collector from NRA Group allegedly called the pali, stated that she was calling from “NRA Group” and that she needed to confirm his address.
He asked the collector whom she represented, to which she responded: “NRA Group.” The plaintiff later said that she would not tell him what NRA stood for, and hung up on him when he in turn refused to provide identifying information.
After receiving three more calls that ended in hang-ups, the plaintiff hired a consumer attorney and accused NRA Group of violating the FDCPA in the following ways:
- Engaging in harassing and abusive conduct
- Failing to disclose that all communications were from a debt collector
The matter was later settled.
The phone numbers for NRA Group are 1-717-540-7636 and 1-800-360-9953. If you see either one on your caller ID, a debt collector from the company may be trying to contact you about a debt they’ve been assigned to collect.
If representatives fail to identify each communication as coming from a debt collector and call you using an autodialer, contact a consumer attorney who can help you assert your rights in court.
A judge could award you $1,000 per FDCPA violation plus attorney’s fees, court costs, in addition to damages.
You may owe a debt, but NRA Group has to follow certain protocols when collecting it, or risk fines.
*Case taken from PACER (www.pacer.gov). File number is 1:14-cv-00359-HSM-SKL, from United States District Court, Eastern District of Tennessee.
Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against NRA Group or any other third-party collection agency, you may not be entitled to any compensation.