Who Is NRA Group? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact NRA Group
- Address to send a debt validation letter
- NRA Group, LLC (National Recovery Agency) P.O. Box 67015 Harrisburg, PA 17106
- Phone
- 1-800-773-4503
- Official website
- https://www.nragroup.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
NRA Group, doing business as National Recovery Agency, is a Harrisburg, Pennsylvania-based debt collector that provides collection, skip tracing, and credit reporting services for creditors nationwide. If NRA Group is contacting you by phone or text, request debt validation in writing before making any payment.
Has NRA Group been the subject of legal action?
Yes. In Chamberlain v. NRA Group, LLC (M.D. Pa., case no. 1:21-cv-00281), a federal court certified a class action alleging NRA Group continued sending debt collection text messages to consumers between November 19, 2020 and February 16, 2021 after they had already replied “STOP” — conduct the court found could violate the FDCPA’s prohibition on communicating with a consumer who has requested a stop to contact. The court rejected NRA’s defense that the continued texts were the result of a software bug. NRA Group has faced other federal suits alleging improper fees for online payments and inaccurate credit-bureau reporting. If a collector keeps contacting you after you’ve asked them to stop, see your rights when a collector won’t stop calling for what your rights are and how to document it.
Questions & Answers
Is NRA Group a legitimate debt collector?
NRA Group shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop NRA Group from calling me?
Under the FDCPA, you can send NRA Group a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with NRA Group?
Send a written debt validation request to NRA Group's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is NRA Group on my credit report?
If NRA Group is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team
Sources
- Chamberlain v. NRA Group, LLC, No. 1:21-cv-00281 (M.D. Pa.) — class certified— acainternational.org
- NRA Group / National Recovery Agency — Department Contacts— nragroup.com