If you received a letter, call, or “court-looking” notice tied to Smith Debnam Narron Drake Saintsing & Myers LLP, treat it as a deadline-driven situation, not a pressure moment. Your safest move is to slow down, get the details in writing, confirm who the creditor is, and decide your next step only after the numbers and dates make sense.
Many people search “Smith Debnam Collection” after a voicemail, a mailed notice, or service of a lawsuit because they recognize the original creditor, but not the law firm contacting them. This guide is built for that exact situation: proof first, paperwork second, payment last.
Table of Contents
- Who Is This Firm?
- Why They Might Contact You
- What Harassment Can Look Like
- Is It Breaking the Law?
- Lawsuits and Public Legal Filings
- Contact Information (Phone Numbers + Addresses)
- How to Stop Collection Calls
- What Proof to Request to Verify the Debt
- How to Handle Local Tax or Government-Type Letters
- What to Do If They Mention Legal Action
- Get Help With Harassment
- Success Stories (Realistic Examples)
- Common Questions About
Who Is Smith Debnam Narron Drake Saintsing & Myers LLP?
Smith Debnam Narron Drake Saintsing & Myers LLP is a creditors’ rights law firm that handles collections-related legal work, including consumer collections and litigation, for creditors and other businesses.
In plain English: this is usually not a random “new lender.” It is often a law firm involved after a creditor (or a debt buyer/servicer) decides to pursue collection through letters, settlement outreach, or the court system. The firm publicly describes consumer collections as one of its practice areas.
What makes this firm different from a typical “collection agency”?
A law firm can be involved in formal legal steps, like filing a lawsuit, sending legal notices, or negotiating settlement terms with documentation and deadlines. That is why you should take any “summons/complaint” language seriously and avoid guessing.
Why Does Smith Debnam Narron Drake Saintsing & Myers LLP Contact You?
Smith Debnam Narron Drake Saintsing & Myers LLP usually contacts consumers when a creditor or account owner wants to recover an alleged past-due balance and has escalated the file to legal collections.
Common “why me?” scenarios include:
- You allegedly owe a balance on a credit card, loan, auto deficiency, or another consumer account (the creditor name may differ from what you remember if the account was sold or transferred).
- Your account is in legal collections, meaning the file may be reviewed for lawsuit eligibility or already filed.
- You were served (or attempted service occurred) with a summons/complaint.
- You have an older judgment that someone is trying to enforce (this varies by state and facts).
Fast clarity test (do this before any payment talk):
- Ask: “Who is the original creditor, and who owns the account today?”
- Ask: “What is the account number reference and the date of default/charge-off?”
- Ask for the validation/verification details in writing.
If they cannot clearly answer those basics in writing, treat the situation as unverified until proven.
What Smith Debnam Narron Drake Saintsing & Myers LLP Harassment Can Look Like
Smith Debnam Narron Drake Saintsing & Myers LLP harassment concerns typically come up when contact feels like pressure without clear documentation, or when communication patterns feel excessive relative to the information provided.
Here are real-world patterns consumers often describe (focus on behaviors, not assumptions):
- Repeated calls or voicemails that say “urgent” but do not identify the creditor, amount, or case details.
- Settlement pressure before you receive itemized proof or ownership documentation.
- Confusing letters where the “who/what/when” of the debt is hard to understand.
- Mixed messages (different balances, different creditor names, or unclear dates) across calls vs. letters.
The compliance line that matters in 2026
Federal rules include a call-frequency “presumption” tied to a specific debt (for example, patterns around seven calls in seven days, and calling again after a phone conversation about that debt).
That does not automatically prove a violation in every case, but it gives you a concrete documentation benchmark.
Your best move if you feel harassed: stop debating on the phone and move everything into writing.
Is Smith Debnam Narron Drake Saintsing & Myers LLP Breaking the Law?
Smith Debnam Narron Drake Saintsing & Myers LLP may be a compliance issue only if the facts show deceptive, abusive, or unfair collection conduct. The FDCPA prohibits deceptive or abusive conduct by third-party debt collectors, including repeated calls intended to harass, threats of action not actually contemplated, and improper third-party disclosures.
What you should look for (fact-based):
- Misleading legal threats (for example, “garnishment tomorrow” with no case number or paperwork).
- Pressure to pay without validation (especially if you dispute the debt).
- Contact after you send a written request to limit communications (facts matter and exceptions exist).
- Third-party disclosure (discussing your debt with someone not authorized).
If your situation involves credit reporting, inaccurate reporting can also raise separate issues (again, fact-dependent). The right move is to document first, then escalate.
Lawsuits Against Smith Debnam Narron Drake Saintsing & Myers LLP
Smith Debnam Narron Drake Saintsing & Myers LLP is named in publicly available consumer-protection litigation filings in which plaintiffs alleged Fair Debt Collection Practices Act (FDCPA)–related issues. Two examples commonly cited online include:
- A class action filing describing allegations about a debt collection letter and dispute rights.
- A federal case listing the firm among defendants in an FDCPA-related lawsuit caption (example: Warner v. Midland Funding LLC).
Important: a lawsuit filing is not proof of wrongdoing. It is evidence that allegations were made and the issues were litigated. What matters for you is whether your specific facts match prohibited conduct.
If you were actually sued: do not treat it like a normal “collector call.” Treat it like a deadline.
Contact Information for Smith Debnam Narron Drake Saintsing & Myers LLP
Below are publicly listed phone numbers and addresses associated with the firm, so you can compare them to your letter/voicemail and reduce scam risk.
Phone number list
- 919-835-3325 (Raleigh)
- 704-375-8461 (Charlotte)
- 843-414-2710 (Charleston)
- 919-250-2000 (main number shown on practice page)
- 800-453-8586 (BBB-listed)
Registered/office addresses and mailing address
| Type | Address | Notes |
| Office (Raleigh) | 1001 Wade Ave, Suite 200, Raleigh, NC 27605 | Public listing |
| Office (Charlotte) | 1210 The Plaza, Charlotte, NC 28205 | Public listing |
| Office (Charleston) | 996 Morrison Dr, Suite 401, Charleston, SC 29403 | Public listing |
| Mailing (BBB) | PO Box 2958, Raleigh, NC 27602 | Public listing |
If your caller refuses to identify the creditor in writing, demands unusual payment methods, or pressures “today only,” treat it as high risk until verified.
How to Stop Smith Debnam Narron Drake Saintsing & Myers LLP Collection Calls
The fastest way to reduce stress is to switch from phone pressure to paper proof.
Do this, in order:
- Let unknown calls go to voicemail. Save voicemails and screenshots of call logs.
- Send a written request for validation/verification (mail or email if provided on the notice).
- Request written-only communication if calls feel excessive (keep a copy).
- Do not confirm sensitive details (SSN, banking info, full DOB) until you verify the sender and the debt.
If the volume crosses into a pattern, document it. Federal rules reference specific call-frequency benchmarks tied to a specific debt.
What Proof to Request to Verify the Debt
You are not trying to “argue.” You are trying to force clarity.
Ask for:
- Original creditor name
- Current owner of the debt (who has the legal right to collect)
- Itemized balance (principal, interest, fees)
- Date of default and last payment date
- Account reference that matches your records
- A copy of the agreement or account statements sufficient to show the debt is yours
- If a lawsuit exists: the case number and court
Why this matters: the FTC describes FDCPA protections against deceptive or abusive conduct, and the federal framework expects clear, truthful collection communications.
How to Handle Local Tax Letters and Similar Government-Type Balances
If your notice mentions property tax, municipal fees, tolls, or other government-type balances, slow down even more:
- Confirm whether the letter is from a government office or a third-party collector/law firm acting for an agency.
- Ask for the agency name, tax year/period, parcel/account identifier, and a payoff breakdown.
- Verify using the official agency contact (not the number on a random voicemail).
These accounts can look “official,” which is exactly why you should demand written details before paying.
What to Do If Smith Debnam Narron Drake Saintsing & Myers LLP Mention Legal Action
If the communication suggests a lawsuit, your response should be deadline-first.
Real legal action usually includes:
- Court name and county
- Case number
- Filing date
- A summons and complaint (or equivalent)
Your safe plan:
- Do not ignore court paperwork.
- Confirm the case using the court’s official resources or by contacting the clerk.
- Calendar the response deadline immediately.
- Avoid accidental admissions on recorded calls.
- If you plan to settle, get every settlement term in writing before sending money.
Remember: “legal-sounding” is not the same as “legal-filed.”
Get Help With Harassment
If you believe Smith Debnam Narron Drake Saintsing & Myers LLP harassment has crossed the line, legal support may help you organize your evidence, demand proof correctly, and respond to deadlines without guessing.
Consumer Rights Law Firm PLLC
Consumer Rights Law Firm PLLC helps consumers respond to debt-collection pressure with a proof-first plan. If calls or letters seem excessive, confusing, or aimed at the wrong person, the firm can review notices, voicemails, and credit reports, then help you request validation, dispute inaccurate reporting, and move communication into writing.
When a matter involves a lawsuit threat, older account records, or a fast-moving deadline, they help you understand your options so you do not guess under pressure. They may also evaluate whether the facts support claims under the FDCPA, TCPA, or FCRA, depending on what happened and what evidence exists.
Contact information
Consumer Rights Law Firm PLLC
133 Main Street, Second Floor, North Andover, MA 01845
Phone: +1 877-700-5790
Email: help@consumerlawfirmcenter.com
Success Stories
Thank you so much for this outstanding review. We are thrilled to hear that everything Scott told you came true and that the calls stopped, your credit is being updated, and you were able to receive money back. That is exactly the kind of outcome we work hard to deliver.
We truly appreciate your trust, your recommendation, and your five-star support. If you ever need anything in the future, we are always here to help.
Common Questions About Smith Debnam Narron Drake Saintsing & Myers LLP
1) Why am I hearing from Smith Debnam Narron Drake Saintsing & Myers LLP?
Most often, the firm is involved because a creditor (or account owner) escalated an alleged past-due account to legal collections or litigation.
2) Is Smith Debnam Narron Drake Saintsing & Myers LLP a collection agency?
It is typically described as a law firm handling consumer collections and related creditor work, rather than a standalone “call center” agency.
3) What is “Smith Debnam Narron Drake Saintsing & Myers Phone Number” in public listings?
Public sources list multiple numbers, including Raleigh, Charlotte, and Charleston office lines and a BBB-listed toll-free number.
4) What does “Smith Debnam Narron Drake Saintsing & Myers Debt Collection” usually mean?
It usually means a creditor or account owner is using a law firm process (letters, settlement outreach, or court filings) to attempt to collect an alleged balance.
5) What should I do first if I think the debt is not mine?
Dispute it in writing and request validation details (creditor, dates, itemization, ownership). Keep copies of everything.
6) What if the amount is small and I just want it gone?
Even small balances can be wrong. Verify first, then decide. If you pay, get written confirmation of what the payment does (close, settle, dismiss, etc.).
7) Do they accept credit cards or online payment?
Some debt-related payments can be made by credit card or through a payment link, but you should only use payment methods shown on verified paperwork and insist on written receipts. If a link looks odd, do not click it.
8) Can I stop Smith Debnam Narron Drake Saintsing & Myers LLP calls?
You can request written communication and document call patterns. If the behavior looks excessive, keep your call logs and voicemails.
9) How do I report a scam or abusive collection behavior?
If you suspect fraud, you can report it through the Federal Trade Commission’s reporting tools and keep your documentation.
10) Where can I find the firm’s addresses?
Public listings show offices in Raleigh, Charlotte, and Charleston, plus a mailing address listed through BBB.
