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Debt collectors like North American Recovery cannot harass you over a debt. You have rights under the law, and we will stop the harassment once and for all.

THE BEST PART IS…

If violated the law, you will get money damages and will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. Plus, some of our clients also receive debt relief and cleaned-up credit reports. You have nothing to lose!Call us today at 888-572-0176 for a free consultation.

Who is North American Recovery?

North American Recovery is a medical billing/debt collection agency based in West Valley City, Utah (also listed as Salt Lake City, Utah). Founded in 1993 (according to the BBB), is not accredited by the Better Business Bureau and has received nearly 30 negative reviews and complaints via the BBB in the past three years for attempting to collect fraudulent debts, wrongfully placing collections on consumers’ credit reports, and other billing/collection problems.

North American Recovery’s Address, Phone Number, and Contact Information

North American Recovery is located at 1600 W. 2200 South, Suite 410, West Valley City, UT 84119, and its P.O. box is P.O. Box 271014, Salt Lake City, UT 84127. The toll-free telephone number is 800-364-6445 and the Salt Lake City number is 801-364-0777. The main website is www.north-american-recovery.com/

Phone Numbers Used by North American Recovery

Like many debt collection agencies, North American Recovery may use many different phone numbers to contact debtors. For an advanced search, visit www.agrussconsumerlaw.com/ and click “Number Search” in the “Lookup” dropdown menu. Here are some phone numbers may be calling you from:

  • 801-236-3749
  • 801-236-7580
  • 801-236-7582
  • 801-236-7584
  • 801-236-7585
  • 801-236-7587
  • 801-236-7589
  • 801-236-7594
  • 801-364-0777
  • 801-364-0778

North American Recovery Lawsuits

If you want to know just how unhappy consumers are with North American Recovery, take a look at the lawsuits filed against the agency on the Public Access to Court Electronic Records (“PACER”). PACER is the U.S.’s federal docket which lists federal complaints filed against a wide range of companies. A search for the agency will display over 30 lawsuits filed across the U.S., most of which involve violations of consumer rights and/or the Fair Debt Collection Practices Act (FDCPA).

North American Recovery Complaints

The Fair Debt Collection Practices Act (FDCPA) is a federal law which applies to everyone in the United States. In other words, everyone is protected under the FDCPA, and this Act is a laundry list of what debt collectors can and cannot do while collecting a debt, as well as things they must do while collecting debt. If is harassing you over a debt, you have rights under the FDCPA.

The Telephone Consumer Protection Act (TCPA) protects you from robocalls, which are those annoying, automated, recorded calls that computers make all day long. You can tell it’s a robocall because either no one responds on the other end of the line, or there is a delay when you pick up the phone before a live person responds. You can receive $500 per call if violates the TCPA.Have you received a message from this agency that sounds pre-recorded or cut-off at the beginning or end? These are tell-tale signs that the message is pre-recorded, and if you have these messages on your cell phone, you may have a TCPA case against the agency.

The Electronic Fund Transfer Act (EFTA) protects electronic payments that are deducted from bank accounts. If took unauthorized deductions from your bank account, you may have an EFTA claim against the agency. , like most collection agencies, wants to set up recurring payments from consumers; imagine how much money it can earn if hundreds, even thousands, of consumers electronically pay them $50 – $100 or more per month. If you agreed to this type of reoccurring payment, the agency must follow certain steps to comply with the EFTA. Did continue to take electronic payments after you told them to stop? Did they take more money from your checking account than you agreed to?  If so, we can discuss your rights and potential case under the EFTA.

The Fair Credit Reporting Act (FCRA) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We’ve handled many cases in which a debt collection agency reported debt on a consumer’s credit report to obtain leverage over the consumer. If is on your credit report, they may tell you that they’ll remove the debt from your credit report if you pay it;this is commonly known as “pay for delete.”If the original creditor is on your report rather than the debt collector, and you pay off the debt, both entities should accurately report this on your credit report.

Several states also have laws to provide its citizens an additional layer of protection. For example, if you live in California, Florida, Michigan, Montana, North Carolina, Pennsylvania, Texas, or Wisconsin, you may be able to add a state-law claim to your federal law claim above.  North Carolina, for example, has one of the most consumer-friendly statutes in the country: if you live in NC and are harassed over a debt, you may receive $500 – $4,000 in damages per violation. We work with a local counsel in NC and our NC clients have received some great results in debt collection harassment cases. If you live in North Carolina and are being harassed by a debt collector, you have leverage to obtain a great settlement.

How do we Use the Law to Help You?

We will use state and federal laws to immediately stop ’s debt collection. We will send a cease-and-desist letter to stop the harassment today, and if violates the FDCPA, EFTA, FCRA, or any state law, you may be entitled to money damages. For example, under the FDCPA, you may receive up to $1,000 in damages plus actual damages. The FDCPA also has a fee-shift provision, which means the debt collector will pay your attorneys’ fees and costs. If you have a TCPA case against the agency, we will handle it based on a contingency fee and you won’t pay us a dime unless you win.

THAT’S NOT ALL…

We have helped thousands of consumers stop phone calls and we know how to stop the harassment and get you money damages. Once again: you will not pay us a dime for our services. We will help you based on a fee-shift provision and/or contingency fee, and the debt collector will pay your attorneys’ fees and costs.

What if North American Recovery is on my Credit Report?

Based on our experience, some debt collectors may credit-report, which means one may mark your credit report with the debt they are trying to collect. In addition to or instead oft he debt collector, the original creditor may also be on your credit report in a separate entry, and it’s important to properly identify these entities because you will want both to update your credit report if or when you pay off the debt.

THE GOOD NEWS IS…

If is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly: along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or even being a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute it, and my office will help you obtain your credit report and dispute any inaccurate information.

REMEMBER…

If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (FCRA), you may be entitled to statutory damages up to $1,000, and the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision, which means the credit reporting agency will pay your attorneys’ fees and costs. You won’t owe us a dime for our services. We have helped hundreds of consumers fix inaccurate information on their credit reports, and we’re ready to help you, too.

Complaints against North American Recovery

If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by North American Recovery. Here are some of theBBB reviews and complaints against :

  1. The company, in which I currently hold no contract with nor have received services from, reported a collection account against my SSN in the amount of $1,028.18 with Transunion, Experian, & Equifax credit reporting agencies. I have requested verification of the debt and the account, however, adequate proof was not provided…Considering that the business does not have a contract with me for goods and services, they have not provided adequate proof that I am obligated to pay.”
  1. has placed a collection on my Equifax, Experian and Transunion credit reports. I have NO CONTRACT with , therefore this collection should be removed from my credit report and should not be sold to another collection agency.”
  2. This company calls and calls at all hours of the day, but never leaves a message. Then they somehow find your neighbors and call them to get a message to you. This is not right and I am not even sure if it is legal. I have emailed asking about my supposed account and asked them to NOT contact my neighbors, but have not heard back. I am not only embarrassed, but very angry that they have done this. How do they even get the information of my neighbors? Scary and unethical!!!”

Based on 33 reviews on Google, receives a 1.4-out-of-5 rating. Here are some of the reviews on Google:

  1. If I could give this company no stars, I would. My husband and I filed bankruptcy and we told them this and they still have refused to take it off our credit report multiple times of telling them this. We have to fight with them about it and it’s just plain ridiculous. We have contacted our attorney to get let him know that it hasn’t been taken off. We will have to see this afternoon if they actually take it off this time after I gave them our case number for our bankruptcy.”
  2. Dishonest practices. Dishonest people. Stay away from and avoid using them to collect your debts and avoid them like the plague. Zero ethics and zero integrity. They use fear and deceitful collection practices. I have offered to settle with reasonable, realistic, and fair terms but they refuse and claim that a 300% markup of a debt along with $250 in late fees is fair because they are ‘operating within state and federal laws.’ Very unethical. This business should be unable operate in the US. Just one more rip-off operation scamming away in the state of Utah and across the country.”
  3. NAR are a bunch of crooks, thieves, and dishonest greedy people. This business should be shut down and not be allowed to operate in the US. I empathize with any unfortunate citizens that have had to deal with this this company. Marking up a medical debt after having a baby by 300% and filing a lawsuit is just not right. I was unaware of the debt. I was never contacted…I have offered to pay multiple times the original debt and even willing to pay reasonable late fees to make this go away. $250 for each late or missed payment is robbery. This folks are jerks and are unwilling to compromise. They brag on their website newsletters to their clients about how they aim to collect 2-3 times the debt. What is wrong with our world today? Stay away from (NAR), Mountain West Anesthesia, and Olson Shaner attorneys. They have a system working together.”

Cases We’ve Handled against North American Recovery

I think you’ll agree when we say that threats and harassment from collection agencies can be pretty intimidating. However, we can stop the harassment and get you money damages under the law, and the collection agency will pay your attorneys’ fees and costs. Here is one case we’ve handled against :

  1. Michael v. North American Recovery – In December 2017, Michael of Jefferson County, Colorado, filed a claim against for violations of the Fair Debt Collection Practices Act (FDCPA). Complaints consisted of harassing phone calls, threats to take actions that could not legally be taken, placing collection calls to the plaintiff’s relatives, and falsely representing the legal status of a debt. The case was resolved in March 2018.

What Our Clients Say about Us

Mike Agruss Law has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 125 five-star reviews on Google. Here’s what some of our clients have to say about us:

“Michael Agruss handled two settlements for me with great results and he handled them quickly. He also settled my sister’s case quickly and now her debt is clear. I highly recommend Michael.”

“Mike Agruss Law was very helpful, they helped me solved my case regarding the unwanted calls. I would highly recommend them. Thank you very much Mike Agruss!

“Mike Agruss Law was very helpful to me and my veteran father! We were harassed daily and even called names for a loan that was worthless! Agruss stepped in and not only did they stop harassing, they stopped calling all together!! Even settled it so I was paid back for the problems they caused!”

Can North American Recovery Sue Me?

Although anyone can sue anyone for any reason, we have not seen sue consumers, and it’s likely that the agency does not sue because they don’t always own the debt they are attempting to collect, and would also need to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s also likely that the agency collects debt throughout the country, and it would be quite difficult to have lawyers, or a law firm, licensed in every state. However, there are collection agencies that do sue consumers; for example, Midland Credit Management is one of the largest junk-debt buyers, and it also collects and sues on debt. Still, it is less likely for a debt collector to sue you than for an original creditor to hire a lawyer or collection firm to sue you. If has threatened to sue you, contact Mike Agruss Law as soon as possible.

Can North American Recovery Garnish my Wages?

No, unless they have a judgment. If has not sued you, then the agency cannot get a judgment. Barring limited situations (usually involving debts owed to the government for student loans, taxes, etc.), a company must have a judgment in order to garnish someone’s wages. In short, we have not seen this agency file a lawsuit against a consumer, so the agency cannot garnish your wages, minus the exceptions listed above. If has threatened to garnish your wages, contact our office right away.

North American Recovery Settlement

If you want to settle a debt with , ask yourself these questions first:

  1. Do I really owe this debt?
  2. Is this debt within the statute of limitations?
  3. Is this debt on my credit report?
  4. If I pay this debt, will remove it from my credit report?
  5. If I pay this debt, will the original creditor remove it from my credit report?
  6. If I pay this debt, will I receive confirmation in writing from for the payment and settlement terms?

These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay-for-delete, or any other legal issue with , we at Mike Agruss Law are here to help you.

Share your Complaints against North American Recovery Below

We encourage you to post your complaints about . Sharing your complaints against this agency can help other consumers understand what to do when this company starts calling. Sharing your experience may help someone else!

HERE’S THE DEAL!

If you are being harassed by over a debt, you may be entitled to money damages – up to $1,000 for harassment, and $500 – $1,500 for illegal robocalls. Under state and federal laws, we will help you based on a fee-shift provision and/or contingency fee, which means the debt-collector pays your attorneys’ fees and costs. You won’t owe us a dime for our services. We have settled thousands of debt collection harassment cases, and we’re prepared to help you, too. Contact Mike Agruss Law at 888-572-0176 to stop the harassment once and for all.

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Submitted Comments

Jammie
6 months ago
A rental agency charged me over $19,000 for damages to a townhouse I moved out of last year, without providing any receipts or itemized proof. In the process of looking for a lawyer to help me fight that, the rental agency sent my account to NAR. I now owe NAR Close to $30,000. I still have not received a detailed itemized list to prove why I owe such a huge amount.
Rochelle
7 months ago
NAR Received a debt that I had missed a few months payments on. I then never received information from NAR as far as them receiving the debt. They then sent a lawsuit to me. When I contacted them they would never accept any sort of settlements, payments etc. I even tried to set up payments with the lawyer office that sent me the lawsuit and they would never accept payments from me unless I gave them private information of mine which I didn\'t want to give to them. They sent me a letter stating they would set up a payment plan and then next thing they requested a write of execution and now finally the constable is saying he will work with me? It all seems so fishy. The constable that is saying he will work with me is the one that originally served me the lawsuit. I have been communicating with them this whole time. Could you please reach out to me? Thank you for your assistance!