Who is Nathan & Nathan and why are they contacting me?

Take Nathan & Nathan seriously.

“What should I do about Nathan & Nathan?”

If you’ve gotten a letter from a firm called Nathan & Nathan, you may be wondering, “Why did I get this call or letter from them?”

Nathan & Nathan is a debt collection law firm based in Birmingham, Alabama.

They file lawsuits all over the state of Alabama, and they represent original creditors, such as Capital One.

They also represent debt collection agencies such as National Collegiate Student Loan Trust, which is a student loan collection agency.

You may also may wonder, “Is it even legal for them to contact me?”

Yes, it’s legal.

As long as they represent the company that’s suing you, it’s legal for them to call you, write you a letter, or sue you.

However, you don’t have to see the contract between the law firm and debt collection agency.

If they don’t represent the collection firm that they say they do, then they’re in big trouble.

Rest assured, if they’re contacting you, they do represent the person that’s suing you.  I’ve dealt with these lawyers for many years — they don’t play games about who they represent.

Take these guys seriously.

Many consumers ignore Nathan & Nathan because they believe that the law firm won’t actually do anything to them.

Those consumers are wrong.

There may be law firms that don’t file lawsuits, but this one does.

I’ve represented plenty of consumer who have been sued by Nathan & Nathan.

They’re real lawyers.

They actually file real lawsuits.

Don’t dismiss Nathan & Nathan.

“What should I do about it?”

Send them a simple dispute letter.

State who you are and why you’re writing them

Make sure you send it by certified mail.

If you’re not sure what you should put in this letter, we have an article on how to go about writing this dispute letter.

“What if they sue me?”

Many consumers do nothing when they’re faced with a collection lawsuit.

Take action!

Once you’re served, you have 14 days to answer in Small Claims or District Court, and if you’re served in Circuit Court you have 30 days,

We cannot emphasize enough how important it is to take Nathan & Nathan seriously.

Contact Us.

If you live in the state of Alabama and you have any questions about what we’ve talked about in this article, give us a call at 1-205-879-2447.

You’re also welcome to fill out a contact form.

I look forward to chatting with you.

Have a great day….

-John G. Watts


  1. Chelsea Litwiller says:

    I am being sued by Cap 1 Nathan and Nathan

    I have 14 days from 11/29 to file my return plea

    I have no idea what I am doing

    My plan was to pay them back during tax time because I figured since it was already a charge off than they took a loss.

    I can’t afford an attorney let alone my amount and their court fees

    Please help

    • John Watts says:


      I’ll be glad to help you think through your options.

      If you will email me (john@wattsherring.com) or fill out our contact form here — https://alabamaconsumer.com/contact-us/ and leave me your phone number and the case number, I’ll be happy to call you either Saturday or Monday.

      Let me know the county you were sued in also.

      Thanks and look forward to talking to you — we’ll help you find the right solution.


  2. Amy Jackson says:

    Hello nathan and nathan have garnished my bank account and I don’t think it was legal for them to do so. I need helping figuring out what I can do and prevent them from garnishing my wages

    • John Watts says:

      Amy — feel free to reach out to us at 205-879-2447 or fill out our contact form here thanks! We’ll be glad to help you see your options. If you have a case number (Nathan needs to have a judgment to garnish) then give that to us when you call us or fill out the form.

      Talk to you soon.


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