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How to Settle Debt With North American Recovery

George Simons | January 31, 2025

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Summary: Being sued by North American Recovery? Respond promptly, verify the debt, and negotiate a settlement. Engage to avoid default judgment and resolve quickly. Use Solo to streamline the process.

Did you just receive a lawsuit in the mail from a company called North American Recovery? Likely, you have never heard of North American Recovery, and thus, you are wondering why this company would be suing you. Do not get nervous. It happens all the time to unsuspecting consumers. More importantly, there is a way to resolve the lawsuit.

If you have defaulted on a credit card or failed to pay your student loans on time, then it is likely that your original creditor has sold your account to North American Recovery. Check your records to see if you have a defaulted debt with a credit card company or student loan servicer (with a name you would recognize) that may have been transferred to a debt collection company (with a name you do not recognize).

Collection calls may be disruptive, but lawsuits are more serious. If you receive a lawsuit notification from North American Recovery, you must respond immediately. You cannot ignore a lawsuit and hope it goes away.

In this article, we will learn who North American Recovery is and how you can respond if you’ve been sued.when it sues you.

Settle debt with North American Recovery

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

Settle with SoloSettle

Who is North American Recovery?

North American Recovery (N.A.R Inc.) is a legitimate third-party debt collection agency. It is not a scam. The Better Business Bureau has recognized North American Recovery since 1993. The company has annual revenue in the $2.2 million range and employs 19 employees.

NAR purchases accounts on which consumers have defaulted—like unpaid credit card or student loan accounts—and then pursues the consumer for the debt.

Below is the company's contact information:

Who does N.A.R, Inc. collect for?

North American Recovery collects debt in the following industries:

  • Student loans
  • Credit card loans
  • Healthcare
  • Telecommunications and others

Consumers whose accounts reach NAR can expect common debt collection practices, such as letters and phone calls. NAR also uses litigation to “do whatever it takes to collect” client accounts.

You can resolve the debt lawsuit by paying it off or offering to settle. Below, we will learn how to do so.

Do not ignore debt collectors

The U.S. has many laws, like the Fair Debt Collection Practices Act, to govern debt collectors. They must be respectful and treat you fairly. Knowing such laws gives you the confidence to reach out to NAR.

Additionally, debt collectors may be more willing to settle a debt than you realize, especially if there are compelling reasons to reconsider. If your financial life is dire, you can work out a repayment plan with lower monthly payments. However, the most crucial step is to engage with North American Recovery. Let's hear what your fellow consumers say about communicating with NAR.

Read North American Recovery reviews online.

One way to learn about a company's interaction with consumers is to read online reviews. North American Recovery reviews are available on the following platforms.

You may be apprehensive about contacting debt collectors. However, some customer reviews show that North American Recovery reps can be helpful. Here is an example:

A consumer named TD Forrest left a 5-star review and had this to say,

“I had a great experience with NAR Thru’ a Collection Rep. Drew S. was great and helped me to take care of a debt I forgot about! Drew offered patience and professional customer service! Above all, I felt his smile Thru’ the phone!! Thanks, NAR, and Especially Thanks, Drew.”

As mentioned, it's best to contact the company to arrange a way to resolve the debt. Fortunately, some NAR representatives are helpful and want to help you recover your financial health.

Respond to the lawsuit to protect your rights in court

You likely feel that the deck is stacked against you. You have a debt you could not pay, and now you are facing a lawsuit against a company with seasoned lawyers. You can resolve the lawsuit, even if you do not have money to hire a lawyer.

Responding to the lawsuit is the key. If you don’t answer, you risk losing the case without a chance to defend yourself. A careful review of the debt documentation can reveal ways to protect yourself. For example, you may find that the statute of limitations has expired on a debt or the values are incorrect.

North American Recovery should furnish the debt details if you request them to do so. The details will tell you who the original creditor is, how much debt you have paid so far, when NAR acquired your account, and so on.

On top of that, there is a time limit – called a “statute of limitations” – that gives debt collectors only so long to try to collect a debt. Many times, debt collectors file a lawsuit after that statute of limitations has run. Thus, on top of the fact that North American Recovery may not be able to prove its case, it may have filed the case too late to begin with.

Respond to a debt collection lawsuit in 15 minutes with Solo.

Sued by North American Recovery? Respond to the lawsuit

Respond to a North American Recovery lawsuit by filing an Answer before the deadline. You have 14-35 days to file the response, depending on where the lawsuit is filed. In that Answer, you need to simply “admit” or “deny” the statements in the numbered paragraphs of the North American Recovery complaint.

You then have the opportunity to assert your “Affirmative Defenses.” That is where you can say things like the debt has been forgiven, the debt has been paid off, or it is so old that North American Recovery's lawsuit is too late (i.e., in violation of the statute of limitations).

Watch this video to learn how to respond to a debt collection lawsuit.

Responding to the lawsuit is just the beginning. While you await court dates, you can work with NAR to find an out-of-court solution, such as a debt settlement.

How to settle a North American Recovery debt collection lawsuit

NAR will sue you if they think you can fully pay your debt. Sometimes, they get it wrong because you may be experiencing financial hardship. If you cannot pay the whole amount, a viable option is to request NAR to let you off the hook if you pay a lump sum settlement amount.

A 50% settlement is common, but if that's all you can afford, you should start negotiations lower to leave room for upward negotiations. Here are some specific steps you can take to settle debt with North American Recovery:

  1. Calculate how much you can raise to pay off the debt. You reach this amount by totaling your income and savings and then deducting your mandatory expenses for that period. You can also raise additional funds by disposing of items you do not need.
  2. Contact NAR and ask them to consider settling the debt for less than you owe. You should explain why you are unable to fulfill your financial obligations. Reaching out demonstrates your willingness to do your best to honor your agreement. Make an offer slightly lower than the amount you got in Step 1 because NAR will likely counter it, and you should be able to increase your offer.
  3. If NAR accepts your offer, make sure you receive a settlement agreement that captures each party's obligation. For example, it should state how much you will pay and the payment date. Also, document the debt collector's promise to close the account and drop the lawsuit. Both of you should sign the contract.
  4. Pay the settlement on time to avoid defaulting, which could breach the agreement and revert the debt to its original amount.

Use Solosettle to negotiate debt settlement online.

If NAR settles the debt, they will report the debt to your credit report as settled. Settled accounts are not ideal compared to those paid in full, but they are better than collections accounts. Settling debts for less allows you to repair your credit and stop collection calls.

Solo is a step-by-step web app that will ask you all the necessary questions to complete your Answer to a complaint. When finished, pay Solo a small fee to file it for you. We will have an attorney review the document before filing.

Consumers can also use SoloSettle to negotiate a debt settlement. The web app allows you to communicate and make payments from the comfort of your home.

Watch the following video for attorney tips and tricks on negotiating with debt collectors to settle your debt:

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