April 06, 2021
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.
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.
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.
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.
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.
"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
Here's a list of guides for other states.
Being sued by a different debt collector? We're making guides on how to beat each one.
Is your credit card company suing you? Learn how you can beat each one.
Need more info on statutes of limitations? Read our 50-state guide.
Need help managing your finances? Check out these resources.