THE FOLLOWING TERMS AND CONDITIONS GOVERN YOUR ACCESS TO AND USE OF THIS AND ANY OTHER WEBSITE ON WHICH THESE TERMS AND CONDITIONS ARE POSTED, INCLUDING BUT NOT LIMITED TO nationalrecovery.com, nragroup.123fastpay.com AND/OR intelligentnegotiator.com/nra_group/ (COLLECTIVELY OR INDIVIDUALLY, THE “WEBSITE”). THESE TERMS AND CONDITIONS APPLY AND BECOME BINDING ON THE FIRST DATE THAT YOU ACCESS ANY PART OF THE WEBSITE OR USE ANY OF ITS FUNCTIONS. BY ACCESSING OR USING THE WEBSITE, YOU ACKNOWLEDGE THAT YOU HAVE READ THE TERMS AND CONDITIONS IN EFFECT AT THE TIME OF YOUR ACCESS AND/OR USE AND AGREE THAT YOU ARE BOUND BY THEM. IF YOU DO NOT AGREE WITH ANY PART OF THESE TERMS AND CONDITIONS, DO NOT ACCESS OR USE THE WEBSITE.

NRA Group, LLC d/b/a/ National Recovery Agency (“NRA”, “National Recovery Agency”, “NRA Group”, “We”, “Us”, or “Our”) may modify and amend these Terms and Conditions at any time. You Acknowledge and agree that your continued use of the Website after any such changes constitutes your acceptance of any new Terms and Conditions. You should review these and any other applicable terms, conditions, and notices that are in effect each time you use the Website. Continued use of the Website constitutes acceptance of any such additional terms, conditions, and notices.

National Recovery Agency authorizes you to view materials at this Website only for your use. You may not modify the materials at this site in any way, nor may you reproduce or publicly display, perform, distribute or otherwise use them for any public or commercial purpose without the prior written permission of the company. The materials at this site are copyrighted, and any unauthorized use of any of the materials may violate copyright, trademark, and other laws.

By accessing the NRA Group (“NRA”) Website, each user (“User”) agrees to the following:

1. User agrees that he/she will not, in any way, modify, move, add to, delete or otherwise tamper with the information contained in and by accessing the NRA Website, each user (“User”) agrees to the following: Website, nor will he/she decompile, reverse engineer, disassemble or otherwise unlawfully use or reduce any of the software, copyrighted or trademarked material, trade secrets or other proprietary information contained in the NRA Website. User agrees not to run any programs that are not displayed at the NRA Website.
2. Although NRA takes many precautions against infection, User assumes the risk that the NRA Website may contain computer viruses that could be introduced to User’s computer if User downloads any information.
3. Although NRA monitors the information in its Website, some of the information is supplied by independent third parties. While NRA makes every effort to insure the accuracy of all information at the NRA Website, NRA makes no warranty as to the accuracy of any such information.
4. The NRA Website is for information purposes only. The information available through the Website is the property of NRA or its licensors, and is protected by copyright and other intellectual property laws. Information received through the Website may be displayed, reformatted, and printed for your personal, non-commercial use only. No information, materials, images or data contained herein may otherwise be reproduced by any User, except in compliance with applicable copyright laws.
5. The NRA Website contains hyperlinks that will let you access other sites on the internet. These sites are not under the control of NRA. NRA does not endorse any of these sites. NRA assumes no responsibility or liability for any obscene, defamatory or other illegal material that may reside in any other Website accessed through NRA’s Website, nor does NRA make any representation regarding the quality of any product or service contained at any such site.
6. NRA assumes no liability for the use by any party of any information provided by User in using the NRA Website.
7. NRA does not warrant that the operations of the Website will be uninterrupted or error-free, nor does NRA make any warranty as to the results to be obtained from the NRA Website.
8. NRA does not permit its systems to receive unsolicited commercial email (“UCE”) of any sort. Users who send UCE to any domain owned by NRA, or any related business venture within NRA’s scope of business, implicitly and patently agrees to permit the NRA administrators to forward any such mail to third-party entities, such as system administrators, abuse departments, abuse.net, spamcop.net, or any other reporting agencies, as NRA, in their sole discretion, sees fit. Further, user agrees to relinquish any copyright to such mail, for reporting purposes.

By using the Website you confirm and agree that you are the party listed in any account you access that you have a legal right to access any information concerning the account(s). You consent and agree (1) to receive future email correspondence from National Recovery Agency, (2) to receive future SMS/Text Messages from National Recovery Agency and that you understand charges may apply from your cell phone carrier, (3) to receive calls to your cell phone from National Recovery Agency and that you understand that charges may apply from your cell phone carrier.

Privacy Policy

California (CA)

The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before 8 a.m. or after 9 p.m. They may not harass you by using threats of violence or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at 1-877-FTC-HELP or www.ftc.org. As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. Medical Accounts Only: Nonprofit credit counseling services may be available in the area. If your debt is past the statute of limitations, you are hereby notified of the following important consumer information: The law limits how long you can be sued on a debt. Because of the age of this debt we will not sue you for it. In many circumstances you can renew the debt and start the time period over for filing a lawsuit to recover this debt if you take specific action such as making a payment, or a written promise to pay. You should determine the effect of any action you take with respect to this debt.

Colorado (CO)

FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE WWW.COAG.GOV/CAR. A CONSUMER HAS THE RIGHT TO REQUEST IN WRITING THAT A DEBT COLLECTOR OR COLLECTION AGENCY CEASE FURTHER COMMUNICATION WITH THE CONSUMER. A WRITTEN REQUEST TO CEASE COMMUNICATION WILL NOT PROHIBIT THE DEBT COLLECTOR OR COLLECTION AGENCY FROM TAKING ANY OTHER ACTION AUTHORIZED BY LAW TO COLLECT THE DEBT. YOU MAY CONTACT OUR OFFICE AT; ASSOCIATED COLLECTION AGENCIES INC., 27 NORTH WILLERUP, SUITE B, MONTROSE, CO 81401 OR BY TELEPHONE AT 970-249-7514.

Massachusetts (MA)

MASSACHUSETTS RESIDENTS MAY CONTACT OUR OFFICE BY TELEPHONE AT THE NUMBER, OFFICE HOURS, AND ADDRESS LISTED BELOW OR TO 155 FEDERAL STREET, SUITE 700, BOSTON, MA 02110.

NOTICE OF IMPORTANT RIGHTS

YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT NOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN DAYS OF SUCH REQUEST. YOU MAY TERMINATE THIS REQUEST BY WRITING TO THE COLLECTION AGENCY.

TELEPHONE: 800-773-4503

ADDRESS: NRA GROUP, LLC, P. O. BOX 67015, HARRISBURG, PA 17106-7015

HOURS: MONDAY-THURSDAY 8:00 AM - 8:30 PM (EST), FRIDAY 8:00 AM - 5:00 PM (EST) OR SATURDAY 8:00 AM - 12:30 PM (EST)

Minnesota Medical Patients

This collection agency is licensed by the Minnesota Department of Commerce. If you feel that your concerns have not been addressed, please contact National Recovery Agency and allow us the opportunity to try and address your concerns. Or, you have the option to address any concerns with the Minnesota Attorney Generals Office, which can be reached at 651-296-3353 or 1-800-657-3787.

North Carolina (NC)

NC Permit Number 113920
EBO Solutions, LLC d/b/a National Recovery Agency located at
3 Crossgate Drive Mechanicsburg, Pa 17050

Nevada Hospital Patients

If the debtor pays or agrees to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as: (1) An acknowledgement of the debt by the debtor, and (2) A waiver by the debtor of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt. If the debtor does not understand or has questions concerning his legal rights or obligations relating to the debt, the debtor should seek legal advice. As used in this section, hospitalhas the meaning ascribed to it in NRA 449.012.

New York Residents:

Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. § 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts including, but not limited to: a) the use or threat of violence; b) the use of obscene or profane language; and c) repeated phone calls with the intent to annoy, abuse, or harass.

If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt: 1) Supplemental Security Income (SSI); 2) social security; 3) public assistance (welfare); 4) spousal support, maintenance (alimony) or child support; 5) unemployment benefits; 6) disability benefits; 7) workers’ compensation benefits; 8) public or private pensions; 9) veterans’ benefits; 10) federal student loans, federal student grants and federal work study funds; and 11) ninety percent (90%) of your wages or salary earned in the last sixty (60) days.

Pursuant to New York law, 23 N.Y.C.R.R. 1.4, a consumer may request substantiation of a debt in writing by sending notice of their dispute and request for substantiation of the debt to P.O. Box 67015, Harrisburg, PA 17106-7015. Purusant to § 1.4 the debt collector is required to provide substantiation within 60 days of receiving the request and cease collection of the debt until written substantiation has been provided to the consumer. A debt collector is only required to provide substantiation once during the period that the debt collector owns or has the right to collect the debt.

Tennessee (TN)

This collection agency is licensed by the Collection Service Board of TN Department of Commerce and Insurance, permit number 812.

Utah (UT)

As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations. But we will not submit a negative credit report to a credit reporting agency about this credit obligation until the expiration of the time period described in your first notice you received from us.