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By Contributing Author: Sergei Lemberg Updated on

Contacted by National Asset Recovery Services?*

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Phone calls or letters from National Asset Recovery Services may require more than just telling these debt collectors to leave you alone. The firm has a poor track record and has been the subject of many consumer complaints. You may need to be aware of your rights under the Fair Debt Collection Practices Act (FDCPA), a federal law designed to protect consumers from abusive, unethical, and harassing debt collection actions.

National Asset Recovery Services

National Asset Recovery Services (NARS), which also does business under the name Integrity Solution Services, Inc., is a debt collection agency with its corporate headquarters in Atlanta, GA. There are branch offices of this business in multiple locations, including St. Louis and Cape Girardeau, Missouri as well as Jamaica and Panama.

Each of these call centers may have various phone numbers associated with them, including 866-616-3671, 636-530-7985, 573-651-3170, 876-979-8779, and 507-366-1900, among others.

NARS handles debt collection services for a wide variety of clients. The collection firm additionally purchases old debts from creditors in an effort to collect on those delinquent accounts. Consumer complaints include attempts to collect non-existent debts or debts for which consumers are not legally responsible. Other common complaints include deceptive techniques, repeated and harassing or abusive phone calls, and failure to verify debts in writing upon consumer request.

If a Collection Agency Contacts You*

Collection agencies are only allowed to use certain tactics in attempting to collect debts. Tactics that cross the line into harassment, abuse, or deception are in violation of federal law under the FDCPA and may also be in violation of state statutes that are designed to protect consumers.

If you have been contacted by a debt collection firm that uses unlawful practices, then you may be able to hold the agency accountable and stop their harassing or abusive methods. A “cease communications” notice is often the first step, and should be sent in writing to the company via certified mail with a return receipt. This provides proof for building a claim against the company, if they continue to contact you in the future.

Keep in mind that a cease communications notice will not eliminate the debt and may also not stop a debt collection agent from calling or writing to you, your family, your employer, or even your neighbors. With persistent debt collectors, sometimes the only thing that gets their attention is the threat of legal ramifications.

Many collection agencies count on consumers not understanding their rights under the FDCPA and other laws. An attorney can help you know what your right are and when a debt collector has crossed the line. He or she can additionally help you build a case against the debt collector and may even be able to get you compensation for incidents where your rights were violated.

*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against National Asset Recovery Services or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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