North American Recovery


Is North American Recovery hurting your credit score?

Schedule a free credit consultation to find out how you can eliminate inaccurate and questionable negative information from your credit report.

Who is North American Recovery?

North American Recovery, Inc. (NAR) is a debt collection agency located in West Valley City, Utah. Their primary focus is collecting on unpaid debts.

If you notice NAR listed on your credit report as a collections account, this likely indicates that they have purchased or been assigned a debt that you originally owed to another entity.

Who does North American Recovery collect for?

North American Recovery primarily focuses on the collection of medical debt. This type of debt originates from healthcare providers, such as hospitals, clinics, and other medical institutions, when patients fail to pay for the medical services received.

Is North American Recovery legit or a scam?

North American Recovery is a legitimate debt collection company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.

How can I remove North American Recovery from my credit report?

Collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.

However, it is possible to remove a collection account from your credit history before seven years.

(While debt collectors may not want this information to be widely known, it’s your right to be informed.)

Ready to Raise Your Credit Score?

Learn how credit repair professionals can assist you in disputing inaccuracies on your credit report.

Professional credit repair services work with people who want to get their credit back on track.

In addition to collections, they can help you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.

Get started on the path to better credit today: Fill out the form for a free credit consultation.

North American Recovery Contact Information


North American Recovery
1600 W 2200 S Ste 410
West Valley City, UT 84119

Mailing address:

North American Recovery
PO Box 271014
Salt Lake City, UT 84127

Phone number: (800) 364-6445

Should I contact or pay North American Recovery?

Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.

The most effective way to deal with North American Recovery is to work with a credit repair professional. They help remove millions of negative items every year from companies like North American Recovery on behalf of their clients.

Will North American Recovery sue me or garnish my wages?

North American Recovery can potentially sue a debtor for the unpaid debt. If the lawsuit is successful, they may be able to obtain a judgment against the debtor. With this judgment, they could potentially garnish your wages, bank account, or even put a lien on your property, depending on the laws in your state.

However, it’s important to note that not every debt results in a lawsuit. Often, debt collectors prefer to resolve the debt without legal proceedings due to the cost and time involved. The likelihood of being sued can depend on various factors such as the size of the debt, the age of the debt, and state laws.

North American Recovery Complaints

Most collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassing phone calls, or failure to verify a debt. If you find yourself facing any of these situations with North American Recovery, you should also consider filing a complaint.

You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.

Your Rights When Dealing with North American Recovery

Debt collectors must abide by state and federal laws in the United States. For example, the FDCPA prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:

  • It is a violation of federal law for North American Recovery to report inaccurate or incomplete information about you.
  • You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
  • North American Recovery may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
  • North American Recovery must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
  • North American Recovery cannot threaten to have you arrested or imprisoned over unpaid debts.

Remove North American Recovery From Your Credit Report Today!

Credit Saint can assist you in disputing North American Recovery collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.

If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.

They have helped many people in your situation. Fill out the form on their website or give them a call at (855) 281-1510 for a free credit consultation to see what they can do for you.

Ready to Repair Your Credit?

Learn how to get help disputing errors on your credit report that could be hurting your credit score.

Meet the author

Crediful is your go-to destination for all things related to personal finance. We're dedicated to helping you achieve financial freedom and make informed financial decisions. Our team of financial experts and enthusiasts brings you articles and resources on topics like budgeting, credit, saving, investing, and more.