We Help Stop North American Recovery NAR Collections Harassment

How To Put An End to Unwanted Calls and Debt Collector Abuse and Threats.


North American Recovery NAR
North American Recovery Inc or NAR is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.

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What is North American Recovery?

North American Recovery or NAR is a third-party collection agency based in Utah. NAR has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and threatening to take actions that cannot legally be taken. If you have been contacted by North American Recovery, make sure you understand your rights before taking action.

Have questions? Call us now at 475-277-1600 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is North American Recovery a scam?

They’re legit. According to the Better Business Bureau (BBB), North American Recovery, Inc. is a legitimate collection agency founded in 1993 and incorporated in 1995. The BBB established a profile page for NAR in 1993. North American Recovery is listed as a collection agency and billing service. Manta estimates North American Recovery’s annual revenue at $10 to 20 million and the size of its headquarters staff at 20 to 49 employees.

According to its website, NAR “prides itself on treating every customer with respect and dignity” and has “established a reputation of being an honest and fair collection agency.” NAR claims to “generate industry-leading results with virtually NO consumer complaints.” NAR employs a “standard collection model that easily meets the needs of the majority of today’s businesses …and can readily analyze… client needs and create a customized approach, when appropriate.”

North American Recovery “performs primary, secondary, and tertiary collections…using experience, technology, and capabilities…to quickly identify and effectively process… placements and get down to the business of collecting…money.” NAR also utilizes “local attorneys who work exclusively for us as well as a network of nationwide attorneys…to manage the litigation process…during legal action…if a consumer ignores… phone calls and letters or refuses to pay.”

NAR also offers its Interim Billing Solutions (IBS). IBS “is a first party, pre-collect step in between the billing company, and a traditional collection agency.” NAR’s IBS service includes first-party “customer care” telephone calls and letters and is sold as a business outsourcing service to medical and healthcare providers.

NAR’s Compliance page states that the “rise of the Consumer Financial Protection Bureau and its heightened regulatory scrutiny” have made “the threat of litigation from consumer attorneys” the “number one challenge facing most collection agencies.” As a result, NAR employs “hundreds of compliance and quality-control checkpoints throughout all departments and all positions.” However, NAR’s client-facing website does not include a page dedicated to consumer resources, laws, and enforcement agencies.

Who are we? We are Lemberg Law, a Consumer Law Firm

Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today!  There is no charge unless we win.

How many complaints are there against North American Recovery – NAR ?

The BBB has closed 23 complaints against North American Recovery in the preceding 3 years, with 16 complaints closed in the past 12 months. Most of those complaints alleged problems with billing and collections. Since June 2015, the Consumer Financial Protection Bureau (CFPB) has closed 14 complaints. Justia lists at least 11 cases of civil litigation involving NAR.

Contact Information

North American Recovery, Inc.
1600 W 2200 S., Ste. 410
Salt Lake City, UT 84119-7240
Telephone: (801) 364-0777
Website: http://www.north-american-recovery.com/

Can North American Recovery Sue Me or Garnish My Wages?

It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely NAR would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!

Get Free BBB A+ Attorney. Call 475-277-1600 NOW

Unlawful Debt Harassment? Learn the Law & Sue the Collector.

Can you help me file a No Fee Lawsuit against North American Recovery Inc – NAR ?

Absolutely.  You can sue a debt collector. Here are some Sample Complaints:

Complaints against North American Recovery commonly cite problems resulting from disputes about collection tactics. In November 2017, a complainant alleged that NAR routinely adds unauthorized collection fees and refuses to cooperate with consumers who contact them to request assistance settling debts. The complainant stated that “NAR is charging outrageous collection fees even after the debt has been forgiven by the original creditor.” She stated that she requested “a detailed breakout of the debts and they have refused to send them,” instead providing only “lump sums without explanation.” She alleged that NAR “is a fraudulent collection company… that preys on the public” by using “fear and scare tactics.” She also stated that her dealings with NAR left her feeling “intimidated and… that she had been taken advantage of” and forced to “give… in to their threats and now feels stuck.” She accused them of being “dishonest and she is confused how they continue to maintain high remarks on BBB.” She claimed to have “offered a more than reasonable settlement for late fees,” but they were “relentless to price gouge.” She alleged that their “public website” states that they “pride themselves” on “collecting 2…to 3 times the debt,” which is “great…if you are their client but… not for the general public who is trying to be fair and reasonable.” She accused NAR of being “greedy deceitful scam artists.”

In its response, North American Recovery stated that after an investigation, they “determined that …their office had not violated any state or federal laws.” They stated that the “allegation that …they have been unwilling to give a breakdown of the account and…inflated the balance after the account was forgiven is untrue.” They also stated that they “pride …themselves in having a stellar reputation that has been built over 25 years of business…and have been an honest and fair member of the business community.” They stated that their “goal is to treat all people with respect while operating within the full scope of state and federal laws.” NAR demanded an apology from the complainant.

In her final reply, the complainant indicated she had finally received paid-in-full receipt and thanked the BBB for intervening.

North American Recovery NAR Calling You?

Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).

But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.

Stop Debt Collection Harassment

You may have a case, if…

  • You are receiving multiple calls per week from third party collection agencies.
  • You are receiving early morning or late night calls from debt collectors
  • You are receiving calls at work from a debt collection agency
  • Debt collectors are calling your family, friends, neighbors, or coworkers
  • Collectors are threatening you with violence, lawsuit, or arrest
  • A debt collector attempts to collect more than you owe
  • You are being threatened with negative credit reporting
  • A debt collector attempts to intimidate you
  • Criminal accusations are being made towards you
  • Use of obscene language during an attempt to collect
  • Automated robocalls are being made to your phone in an attempt to collect

What Our Clients are Saying

“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.”

“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls were super considerate when I talked with them. I love the hard work”

“I was almost going nuts receiving calls every afternoon from a person using profane language to push me to pay debts I don’t owe. Someone I trust referred me to Lemberg Law, and I don’t regret having contacted them. The attorneys were very kind and always available when I needed them.”

“Thank you for standing with me Lemberg Law. I was so afraid I could lose my job because of a caller who called my job number 4 hours straight back to back. He not only harassed and threatened me but also abused workmates who received the call when I wasn’t around. Since I solicited for your services, I’ve had a peace of mind, and I’m happy because of the few dollars I got as a settlement.”

Can You Help Me Delete North American Recovery NAR from My Credit Report?

We can absolutely help. Call us today.

Share your story

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

Sergei Lemberg

About the Author:

Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Sergei Lemberg
  • George

    We have an accountant working on our behalf to resolve previous tax issues with the IRS – the accountant has told us that working with their offices would stop the collection issues and with one exception (NAR Collections) we are working to resolve these issues. However, we have started getting harrassing calls from NAR stating that the call is —- in reference to a petition filed against you for the theft of goods and services — and that you or your attorney must contact your filing party today at 1-817-402-0771. Failure to do so will result in entering a guilty plea on your behalf as well as a suspension of your driver’s license. You have been notified today and good luck —

  • christina s

    I have screen shots of them makong threats leaving voice mails constantly they kept saying I would be arrested!

  • Tina F

    I got a call from them stating that i am under investigation for theft and recieving stolen goods. I will lose my license and going to be found quilty if me or my lawyer does’nt contact them and go to jail

  • Paula M

    They are leaving threatening messages and even left a message stating they have been to her house and her job and the debt they are talking about was paid years ago. As a matter of fact, she is still doing business with the company.

  • Ann

    My message said “this message is solely intended for ____ and I’m calling to inform you that as of today your account is under review regarding the complaint being filed against you this is in connection with the transaction you previously authorized. You or your attorney must contact your filing party today at 1-817-402-0771. Failure to do so will result in entering up a guilty deal ? on your behalf as well as a suspension of your driver’s license. You have been notified today and good luck”. Hello??? who is the NAR Bureau? I don’t even know who the debtor they are saying.

  • Jeraldine N

    Received threatening calls said my Texas Drivers License would be suspended

  • Lynne

    NAR inc has contacted me 3-4 and placed something on me credit report which was already billed and paid for. 2 years ago. This took me numerous hours to fix and now rpthey are contacting me again with incorrect information. They are wasting my time increasing my stresss and have inpacted my credit score.

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