North American Recovery: Who They Are and Your Rights

Type

Collection agency

Also known as

N.A.R., Inc.; N.A.R. Inc.; NAR

Headquarters

West Valley City, UT

Phone numbers it lists

(800) 364-6445

Website

north-american-recovery.com

106 debt collection complaints were sent to the Consumer Financial Protection Bureau about N.A.R., Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is North American Recovery?

N.A.R., Inc. does business as North American Recovery. Its website says its national headquarters is in West Valley City, Utah, and the Better Business Bureau lists it at 1600 W. 2200 S. in the Salt Lake City area. According to the BBB, the business started in September 1993 and was incorporated in 1995. The BBB names David J. Saxton as president. The company's site lists NMLS ID 1475239 and a Nevada compliance manager license, and it says the agency records all collection calls.

The phone number published on its own site is (800) 364-6445.

Why North American Recovery May Be Contacting You

North American Recovery markets its services to businesses that want help collecting receivables. Its site does not list particular industries or clients, so the creditor's name on your notice is the best guide to what the account is. What stands out is its approach to litigation: the site says that, unlike many agencies, it treats going to court as part of its process, and that it has a law firm that "works exclusively" for it. If you receive a notice from NAR and don't respond, a lawsuit may follow.

How to Check a Debt North American Recovery Says You Owe

Because a lawsuit is a realistic possibility, keep a paper trail from the start:

• Keep the validation notice. The FDCPA (15 U.S.C. § 1692g) and Regulation F (12 C.F.R. § 1006.34) require it to name the creditor, itemize the balance and give a dispute deadline.
• Dispute in writing within the validation period, and send it in a way you can prove. NAR must stop collecting until it mails verification.
• Ask for the creditor's records showing the account and the balance, and ask whether NAR is collecting for the original business or for a company that bought the account.
• Check every fee and interest charge against your agreement with the original business.
• Know the limitation period. A Texas suit on most debts must be filed within four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers cannot sue on time-barred consumer debts (Tex. Fin. Code § 392.307). Utah and other states have their own periods.
• If you're served, calendar the answer deadline immediately. A dispute letter doesn't extend it.

What North American Recovery Can and Can't Do

A collection agency is a "debt collector" under 15 U.S.C. § 1692a(6), and so is a law firm that regularly collects consumer debts through litigation (Heintz v. Jenkins, 514 U.S. 291 (1995)).

• It, and the lawyers it uses, must file suit where you live or where you signed the contract (15 U.S.C. § 1692i).
• It may not threaten a lawsuit that it doesn't intend to file or that is time-barred (15 U.S.C. § 1692e(5); 12 C.F.R. § 1006.26(b)).
• It may not seek attorney's fees or interest that your agreement or state law doesn't allow (15 U.S.C. § 1692f(1)).
• Seven calls in seven days about the same debt is presumed to be harassment (12 C.F.R. § 1006.14(b)(2)).

We did not find a CFPB enforcement action against North American Recovery. If you've been sued, read what to do first or contact our FDCPA attorneys.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If North American Recovery or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• North American Recovery: official site
• BBB business profile: N.A.R. Inc. (facts only)
• CFPB enforcement actions search
• CFPB Consumer Complaint Database: N.A.R., Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that North American Recovery has violated any law. Company details change; tell us if something here is out of date.