There is nothing illegal about collecting a debt, but the methods used by many collection agencies cross the line. They threaten people, call them on a daily basis and expose their debt situation to their friends, family, and colleagues.
If you’re on the receiving end of such unethical collection tactics, there are steps you can take to protect yourself.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, became law at a time when people were being harassed nonstop by third-party debt collectors. It affected their lives, destroyed marriages, and led to an increase in bankruptcies.
Today, a debt collector can be closed down if they use measures like the following:
- Failing to send a debt validation package within 5 days of initial contact
- Reporting inaccurate information to the credit bureaus
- Refusing to listen when you say that the debt belongs to someone else
- Calling you names
- Discussing your debt with anyone except you, your spouse, or your attorney
- Refusing to prove that they are authorized to collect the debt
Company Profile: N.A.R., Inc.
If you are being called by N.A.R., Inc., a general company overview is below.
N.A.R., Inc., which also does business as North American Recovery, is a debt collection agency located in Salt Lake City, Utah. It opened for business in 1993, has 19 employees, and is managed by its President, David J. Saxton.
An inspection of legal records at the PACER website indicates that consumers who felt that they were being harassed by N.A.R., Inc. escalated the matter the courts.
Alleged Violations against N.A.R., Inc.
According to PACER, on or around May 23, 2012, N.A.R., Inc. sent a collection letter to a Colorado consumer regarding a medical debt. She claimed that the agency called her on a regular basis, sometimes several times a day, and even asked her elderly neighbor to get her to contact them.
When the consumer asked the agency if approaching her neighbor was legal, they allegedly replied that they could do anything they needed to in order to locate her and said it was “skip tracing.”
Feeling harassed by N.A.R., Inc., she hired a consumer attorney and sued the company for allegedly:
- Discussing her situation with third parties
- Using harassing and abusive means to collect a debt
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for N.A.R., Inc. are:
If any of them appear on your caller ID when the phone rings, it means that you are being called by N.A.R., Inc. If they try to make you pay by calling relentlessly and approaching your neighbors, they have broken the law and you can sue. Hire a consumer lawyer and file a claim against N.A.R., Inc.
If the court rules in your favor you could receive compensation of $1,000 per FDCPA violation, so be proactive when protecting your rights.
Case taken from PACER (pacer.gov). File number is Case 1:12-cv-03084-MSK-BNB from the United States District Court for the District of Colorado.
*Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against N.A.R., Inc., or any other third-party collection agency, you may not be entitled to any compensation.