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What to Do If a Collection Agency Sues You?
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What to Do If National Recoveries, Inc., Sues You*

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As a third-party debt collector, National Recoveries, Inc., is a debt recovery service provider that has recovered more than $1 billion in assets. Helping various businesses – of all sizes – they collect past due loan payments, credit cards, medical bills, and student loans.

The company was established in 1991 and has offices in Minnesota, where they are based. If National Recoveries, Inc., files a lawsuit against you, you should carefully read the lawsuit at its entirety. You will need to enlist the help of an FDCPA attorney and then file a response to the lawsuit.

If you don’t respond, the court will assume that the allegations against you by National Recoveries, Inc., are accurate and they will award them with a judgment. Your FDCPA attorney will determine the best way to proceed with your situation.

How To Respond To A Lawsuit From National Recoveries, Inc.

Just because National Recoveries, Inc., is suing you for a debt, it doesn’t mean that you owe it. You could have already paid the debt off, or you may owe less than they claim, or it might not even be your debt at all.

You should gather up proof of any payments that you have made and gather up all documentation regarding the debt. Ask National Recoveries, Inc., to provide you with proof that you owe the debt. If do owe the debt, then try to negotiate a settlement with National Recoveries.

They will usually settle the account for much less than you owe, and that will save you money and keep the case out of court.

What to Do If National Recoveries, Inc., Sues You*

Damages You Could Receive From National Recoveries, Inc.

If you are being sued by National Recoveries, Inc., they could have violated state and federal collection laws when trying to get you to pay the debt. If the FDCPA was violated, you can hold National Recoveries, Inc., responsible for the damages that you suffered.

Your FDCPA lawyer will review the details of the case and review all the evidence to determine if you can recover damages from the collection agency.

Here are some common damages that you might be able to recover from National Recoveries, Inc.:

  • Physical distress – The harassment from a debt collector can lead to several physical symptoms, such as rashes, muscle aches and pains, migraines, tension headaches, hypertension, stress-induced cardiac conditions, depression, panic attacks, and anxiety. You can recover compensation for any physical distress caused by National Recoveries.
  • Emotional distress – Repetitive threats and phone calls could cause you to suffer damaged relationships, mental anguish, and embarrassment, so you could claim emotional distress.
  • Lost wages – When you suffer severe emotional and physical distress, you may have to miss work. You can ask to be reimbursed for your lost wages.
  • Recovery of wage garnishment – If an FDCPA violation contributed to National Recoveries, Inc., garnishing your check, you can get those wages back.
  • Legal fees – An FDCPA violation could result in National Recoveries being responsible for all court costs, attorney’s fees, and legal expenses.
  • Injunctive relief – If you were harassed by National Recoveries, you can seek injunctive relief. This means that the court could order the debt collector to stop all collections – and they are prohibited from calling you or your associates or from sending written correspondence.
  • Statutory damages – If you don’t recover damages for either emotional distress or physical distress, you can ask for up to $1,000 in statutory damages for the FDCPA violation by National Recoveries, Inc.

Talk To An FDCPA Attorney Today

If you are threatened with a lawsuit by National Recoveries, Inc., you should talk with an FDCPA attorney to ensure your rights are protected and to proceed with the case properly.

Additional Resources

*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 Recoveries, Inc., or any other third-party collection agency, you may not be entitled to receive any compensation.

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