Getting calls or letters from Nathan and Nathan can be stressful. Many people wonder if this is a legitimate company or just another scam. As a credit repair expert, I've helped hundreds of clients deal with Nathan and Nathan collection attempts.
Nathan and Nathan is a real debt collection law firm based in New York. They specialize in collecting unpaid debts for credit cards, medical bills, and personal loans. The company has been operating since 1997 and handles collections nationwide.
What is Nathan and Nathan: Scam or Legitimate Law Firm?
Nathan and Nathan PC is a legitimate debt collection attorney. They're not a scam, but that doesn't mean every call claiming to be from them is real. Scammers often pretend to be well-known collection firms to trick people.
The firm primarily handles:
- Credit card debt collection
- Medical debt recovery
- Personal loan collections
- Deficiency balance collections
- Commercial debt recovery
I want to share a real story with you about something a client experienced recently. Sarah received aggressive calls from someone claiming to be Nathan and Nathan. The caller demanded immediate payment and threatened legal action within 24 hours. When she contacted me, I helped her verify the claim. It turned out the debt was real, but the aggressive tactics violated collection laws.
Why Nathan and Nathan Might Be Contacting You
Nathan and Nathan contacts people for several reasons:
Outstanding Credit Card Debts: If you stopped paying a credit card, the original creditor might have sold your debt to a collection agency. Nathan and Nathan then purchases these accounts and attempts collection.
Medical Bills: Unpaid hospital bills or medical expenses often end up with collection attorneys like Nathan and Nathan. Healthcare debt is one of the most common reasons they contact consumers.
Personal Loans: Defaulted personal loans, payday loans, or installment loans frequently get assigned to Nathan and Nathan for recovery.
Auto Loan Deficiencies: After a car repossession, if the sale doesn't cover the full loan amount, Nathan and Nathan might pursue you for the remaining balance.
Mistaken Identity: Sometimes Nathan and Nathan contacts the wrong person due to similar names, addresses, or phone numbers. Database errors and outdated records can lead to innocent people receiving collection calls for debts they never owed.
Wrong or Outdated Records: Nathan and Nathan might be working with incorrect information from original creditors. Previous addresses, old phone numbers, or clerical errors can result in contacting people who aren't responsible for the debt.
The Federal Trade Commission reports that debt collection is one of the most complained-about industries. In 2024, consumers filed over 70,000 complaints about debt collectors with the FTC.
Don’t let your situation become another statistic—take control of your credit with ASAP Credit Repair.
What To Do When Nathan and Nathan Contacts You
When someone claiming to be from Nathan and Nathan contacts you, understanding their process helps you respond properly:
Clarify the purpose of their contact.
Don't assume you know why they're reaching out. Politely but firmly ask for the specific reason for their call or message. For example, you can say, "Could you please tell me the purpose of this call?" or "What is this regarding?"
This will help you determine if it's a sales call, a legal matter, a survey, or a potential scam.
Verify their identity and legitimacy.
Don't provide any personal or financial information on the first contact. Instead, ask for their full name, their official title, and the company's full name. Ask for a call-back number and a physical address. Explain that you will be contacting them back at a verified number.
Take control of the conversation.
Politely state that you need time to look into the matter and will not be providing any information at this time. End the conversation and then independently research Nathan and Nathan. Look up their official website, contact information, and any public reviews or news articles. This will help you confirm their legitimacy and understand how to proceed.
The key is to remain cautious and proactive. Never provide sensitive information on an unsolicited call, and always verify a caller's identity before engaging further.
How Nathan and Nathan Collection Process Works
Understanding their process helps you respond properly:
Initial Contact: Nathan and Nathan typically sends a written notice within five days of first contact. This notice includes debt details and your rights under the Fair Debt Collection Practices Act (FDCPA).
Phone Calls: They may call during legal hours (8 AM to 9 PM). However, they cannot harass you or call excessively.
Settlement Negotiations: Nathan and Nathan often accepts payment plans or settlement amounts less than the full debt.
Legal Action: If collection attempts fail, they might file a lawsuit. As attorneys, they can represent the creditor in court.
Your Rights When Nathan and Nathan Contacts You
The FDCPA protects consumers from abusive collection practices. Here are your key rights:
Debt Validation: You have 30 days from first contact to request debt verification in writing. Nathan and Nathan must provide:
- Original creditor information
- Amount owed
- Proof you owe the debt
Cease Communication: You can demand Nathan and Nathan stop contacting you by sending a written cease-and-desist letter. They can only contact you once more to acknowledge your request or notify you of legal action.
Dispute the Debt: If you believe the debt isn't yours or the amount is wrong, dispute it in writing within 30 days.
Legal Protection: Nathan and Nathan cannot:
- Call before 8 AM or after 9 PM
- Use abusive language
- Threaten illegal actions
- Contact you at work if you tell them not to
- Discuss your debt with others
How to Deal with Nathan and Nathan Collection Attempts
Don't Ignore Them: Ignoring Nathan and Nathan won't make the problem disappear. They're attorneys and can file lawsuits.
Verify the Debt: Always request debt validation before paying anything. This ensures the debt is legitimate and the amount is correct.
Know the Statute of Limitations: Each state has time limits for collecting debts. In New York, it's generally six years for credit card debt. If the debt is older, you might have a defense.
Document Everything: Keep records of all communications with Nathan and Nathan. Note dates, times, and what was discussed.
Consider Settlement: Nathan and Nathan often accept less than the full amount. Negotiating a settlement might be your best option.
Let me tell you about another client situation that might help you. John owed $8,500 on an old credit card that Nathan and Nathan was collecting. Instead of paying the full amount, we negotiated a settlement for $3,400. He paid it off in three monthly installments, and Nathan and Nathan agreed to delete the collection from his credit report.
How to Stop Nathan and Nathan From Harassing You
Send a Cease and Desist Letter: This legally stops most communication. Send it certified mail and keep copies.
Report Violations: If Nathan and Nathan violates collection laws, report them to:
- Consumer Financial Protection Bureau (CFPB)
- Federal Trade Commission (FTC)
- Your state attorney general
- Better Business Bureau
Block Their Number: While this stops calls, it doesn't resolve the underlying debt.
Negotiate Payment Terms: Working out a payment plan often stops aggressive collection efforts.
Seek Legal Help: If Nathan and Nathan violates your rights, you might have grounds for a lawsuit under the FDCPA.
Nathan and Nathan Lawsuits: What You Need to Know
Nathan and Nathan regularly files lawsuits to collect debts. Here's what happens:
Service of Process: You'll receive legal papers notifying you of the lawsuit. Don't ignore these documents.
Response Deadline: You typically have 20-30 days to respond to the lawsuit, depending on your state.
Default Judgment: If you don't respond, Nathan and Nathan wins automatically and gets a judgment against you.
Court Appearance: You can contest the lawsuit by appearing in court and presenting defenses.
Common defenses against Nathan and Nathan include:
- Statute of limitations expired
- Lack of proper documentation
- Mistaken identity
- Already paid the debt
Dealing with Nathan and Nathan: Professional Help
As a credit repair specialist, I've seen many clients successfully resolve Nathan and Nathan collection attempts. Professional help can make a huge difference in the outcome.
Credit Repair Services: We can help dispute inaccurate information and negotiate with collectors like Nathan and Nathan.
Debt Settlement: Professional negotiators often get better settlement terms than individuals attempting to negotiate alone.
Legal Representation: If Nathan and Nathan files a lawsuit, having an attorney is crucial.
Credit Restoration: After resolving the debt, we help rebuild your credit score and remove negative marks.
Protecting Yourself from Nathan and Nathan Scams
While Nathan and Nathan is legitimate, scammers impersonate them. Watch for these red flags:
- Demanding immediate payment over the phone
- Refusing to send written verification
- Threatening arrest or imprisonment
- Asking for payment via gift cards or wire transfers
- Calling outside legal hours
- Using abusive or threatening language
Always verify any collection attempt by contacting Nathan and Nathan directly using their official phone number, not the number the caller provides.
Your Next Steps with Nathan and Nathan
If Nathan and Nathan is contacting you:
- Don't panic - You have rights and options
- Request debt validation in writing within 30 days
- Review your credit report for accuracy
- Consider your financial situation and ability to pay
- Explore settlement options if the debt is valid
- Seek professional help if needed
Remember, dealing with Nathan and Nathan doesn't have to be overwhelming. With the right approach and knowledge of your rights, you can resolve the situation favorably.
Get Expert Help with Nathan and Nathan Issues
If you're dealing with Nathan and Nathan collection attempts, don't face it alone. As a credit repair expert with years of experience handling debt collection matters, I can help you navigate this challenging situation.
Nathan and Nathan may be persistent, but you have rights and options. Whether you need help verifying a debt, negotiating a settlement, or rebuilding your credit after resolution, professional assistance can make all the difference.
At ASAP Credit Repair, we've successfully helped countless clients resolve Nathan and Nathan collection attempts while protecting their credit scores. Don't let debt collectors intimidate you - take control of your financial future today.
✅ Contact us today for a free consultation and analysis and let us help you deal with Nathan and Nathan the right way.
