How to Beat North American Recovery in Court

George Simons

April 06, 2021

You can win your case if you make the right defense.

Summary: Are you being sued by North American Recovery? Not sure how you're going to defense your case? Learn everything you need to know about North American Recovery and win in court.

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

If you have defaulted on a credit card or failed to pay your student loans on time, then it is most likely that your defaulted account has been sold from the company with which you got the credit card or student loan (with a name you would recognize) to a debt collection company (with a name you do not recognize).

It is bad enough that you get harassing phone calls from these debt collectors, or you are the victim of aggressive collection tactics that cross the line into illegal conduct under the Fair Debt Collections Act. Yet, if you receive a lawsuit from North American Recovery, you need to respond. You cannot ignore a lawsuit and hope it goes away.

Accordingly, in this article, we are going to tell you who North American Recovery is, and how you can fight back against them. You may be surprised to learn that debt collection companies like North American Recovery love to intimidate consumers by filing lawsuits. Yet, when they are asked to prove their lawsuit – they can't do it. That means you win!

So, once you have gone through this article, consider going right to SoloSuit to get started fighting back against North American Recovery.

Make the right defense with SoloSuit and win your case.

Who is North American Recovery?

North American Recovery is a legitimate debt collection agency. It is not a scam. North American Recovery has been recognized by the Better Business Bureau since 1993. The company has annual revenue in the $2.2 million range, and it employs 19 employees. Accordingly, it is not a one-man operation.

That said, North American Recovery is still a debt collection agency. That means that they purchase accounts on which consumers have defaulted – like unpaid credit card accounts or student loan accounts – and then go after the consumer for the debt.

The U.S. has many laws in place, like the Fair Debt Collections Act, to reign in the aggressive, unscrupulous, abusive, and intimidating tactics of collection agencies. Yet, North American Recovery, like other debt collectors, push the line with their collection tactics anyway. There are cases in which consumers try to settle their debt with North American Recovery, yet North American Recovery still tacks on unspecified costs and fees that often have nothing to do with the original debt owed.

Most significantly, when North American Recovery institutes a lawsuit they will be sure to go after your bank accounts and garnish your wages once they obtain a legal judgment against you. That is why you need to respond to a lawsuit from North American Recovery. Ignoring such a lawsuit would be a mistake.

Don't let debt collectors intimidate you. Respond with SoloSuit.

Respond to the Lawsuit to Beat North American Recovery in Court

You likely feel that the deck is stacked against you. You have some kind of debt that you were unable to pay, and now this company that is represented by a lawyer is going after you in court. You probably assume that you could never beat the odds, especially because you do not have money to hire a lawyer yourself.

We are here to tell you that you need to stop thinking that way. You can fight back.

The key with lots of debt collectors, and North American Recovery is no exception, is that these companies rely on the fact that consumers will feel just like you do. They rely on the fact that consumers, who are unable to get a lawyer, will just give up. They are not set up, however, for a consumer to fight back. That is where you can hit them where it hurts – by actually making them prove their case in court.

So, the key to beating North American Recovery in court is by simply telling them that they need to uphold their burden of proof in the lawsuit they just filed. In non-legal terms, the key to beating them in court is to say, “put up or shut up.”

You see, debt collectors are notorious for not having all of the necessary documentation that proves that they (1) own your account that is in default, and (2) that you owe the amount of money they claim that you owe. And without those two pieces of essential proof – they cannot win the lawsuit they just filed.

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 SoloSuit.

How to Respond to North American Recovery's Debt Collection Lawsuit

The way you respond to a North American Recovery lawsuit is by filing an “Answer” in the allotted time. 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 what are called “Affirmative Defenses.” That is where you can say things like the debt has been forgiven, the debt has been paid off, or that the debt is so old that North American Recovery's lawsuit is too late (i.e., in violation of the statute of limitations).

Now, all of this might seem a bit confusing. But the easiest way to respond to a collections lawsuit, without having to spend lots of money on an attorney, is to get help from SoloSuit.

We know how to respond to collection lawsuits in any jurisdiction in the country, and we can help you take care of your response to a lawsuit right away.

SoloSuit makes it easy to respond to a debt collection lawsuit. SoloSuit is a step-by-step web app that will ask you all the necessary questions to complete your Answer to a complaint. When finished, you can either print the completed forms and mail in the hard copies to the courts. Or, even better, you can pay SoloSuit a small fee to file it for you, and also have an attorney review the document.

Don't let North American Recovery's lawsuit make you feel powerless. Don't throw up your arms thinking that you could never fight back. You can not only fight back, but you can beat North American Recovery in court.

What is SoloSuit?

SoloSuit makes it easy to respond to a debt collection lawsuit.

How it works: SoloSuit is a step-by-step web-app that asks you all the necessary questions to complete your answer. Upon completion, you can either print the completed forms and mail in the hard copies to the courts or you can pay SoloSuit to file it for you and to have an attorney review the document.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James


Get Started


>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to Answer a Summons for Debt Collection Guides for Other States

Here's a list of guides for other states.

All 50 states.

Guides on How to Beat Every Debt Collector

Being sued by a different debt collector? We're making guides on how to beat each one.

Win Against Credit Card Companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get Answers to These FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendant's Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouse's Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

You're Drowning in Debt — Here's How to Swim

Help! I'm Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Here's What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review