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David J. Saxton, President, CEO, & Owner

David J. Saxton is the Founder, President, CEO, of North American Recovery (NAR), a nationally recognized accounts receivable management firm headquartered in West Valley City, Utah. A respected entrepreneur, security-minded executive, and industry advocate, David has spent more than 35 years building innovative, ethical, and client-focused collection solutions.

David entered the accounts receivable management industry in 1988, gaining valuable experience as a front-line collector and developing a deep understanding of consumer communication, operational excellence, and client service. In 1993, armed with a single client, a borrowed computer, and an unwavering belief in hard work and accountability, he founded North American Recovery. Under his leadership, NAR has grown from a start-up operation into a premier national collection agency serving more than 5,000 clients throughout the United States.

As President and CEO, David has guided the company's growth through a philosophy that balances advanced technology with a steadfast commitment to people. He firmly believes that an organization’s greatest competitive advantage is not its systems or software, but the talented individuals who bring its mission to life each day. This people-first leadership approach has helped establish one of the industry's most respected and innovative operational models.

In addition to leading the organization, David serves as NAR's Chief Information Security Officer (CISO), overseeing the company's Information Security Program, cybersecurity strategy, and risk management initiatives. Working closely with internal security professionals and technology teams, he is responsible for safeguarding sensitive information assets, strengthening operational resilience, and ensuring compliance with an increasingly complex regulatory environment.

David's commitment to advancing the profession extends well beyond his company. In July 2025, he was elected to the Board of Directors of ACA International, the leading trade association representing credit and collection professionals across the United States. Serving a three-year term through 2028, he helps shape industry policy, supports professional development initiatives, and advocates for ethical business practices. Prior to his election, he served as a Board Liaison for ACA International's Asset Buyer Advisory Council, contributing to industry collaboration and strategic planning.

A lifelong Utahn, David graduated from West High School in Salt Lake City and studied Business Management at Salt Lake Community College before leaving school to pursue his entrepreneurial vision. Over the years, he has become known not only as a successful business owner, but also as a speaker, writer, mentor, and advocate for leadership, personal accountability, and continuous improvement.

Outside of work, David is an avid fitness enthusiast, technology enthusiast, and motorsports aficionado with a passion for muscle cars, motorcycles, and high-performance vehicles. He enjoys snowboarding Utah's world-famous mountains, boating on Lake Powell, and spending time with his two daughters, Jorden and Breeanne.

When asked about his career, David often says:

"I love my job. The people I work with are smart, dedicated, and driven. We face challenges together and continually develop solutions that have resulted in one of the most advanced collection models in the industry. It truly is a joy, and I'm honored to work alongside so many caring and talented people every day."

Krista Kristic Peterson is a seasoned legal and recovery professional with more than 25 years of experience in debt collection, creditor rights, litigation support, compliance, and operational leadership. Throughout her career, she has built a reputation for successfully aligning legal strategy with operational excellence, bringing a unique combination of hands-on industry expertise and leadership to every role she undertakes.

Krista began her career as a collector, spending more than eight years developing expertise in account recovery, negotiation, customer relations, conflict resolution, and team development. Her strong performance and leadership abilities led her into coaching and mentoring roles, where she helped drive operational success while fostering a culture of accountability and service.

Over the years, Krista expanded her focus into legal collections and creditor rights, gaining extensive experience in litigation support, judgments, garnishments, settlements, liens, post-judgment remedies, and regulatory compliance. Her background also includes process serving, skip tracing, asset investigations, debtor location services, and recovery strategy development—skills that have proven invaluable in achieving successful outcomes for clients and business partners.

As a leader, Krista has managed complex legal and recovery processes from initiation through resolution, working closely with attorneys, courts, clients, and vendors to ensure compliance, efficiency, and results. Her experience spans vendor management, operational performance, forecasting, audit remediation, client relations, and organizational compliance initiatives.

Today, as Legal Action & Attorney Network Manager for North American Recovery, Krista oversees a nationwide network of attorneys and legal professionals, helping optimize recovery strategies, strengthen partnerships, and enhance operational performance. Her diverse background and practical expertise enable her to navigate complex challenges while consistently delivering measurable results.

Known for her integrity, collaborative leadership style, and commitment to excellence, Krista is passionate about building strong professional relationships, driving continuous improvement, and helping clients achieve successful outcomes through effective legal recovery solutions.

 Patricia is a results-driven operations and finance professional with over a decade of progressive leadership experience across retail management, multi-site operations, and accounts receivable. Her career has been defined by a strong focus on team leadership, process improvement, and delivering consistent operational excellence.

 

She began her career with Walmart, where she spent three years as an Assistant Manager in a high-volume retail environment. In this role, she developed a solid foundation in leadership, employee development, and customer service. Her experiences there strengthened her ability to lead diverse teams, maintain efficiency under pressure, and drive results in a fast-paced setting. Building on that foundation, she transitioned into the self-storage industry, where she served for seven years as an Area Manager. In this capacity, she managed multiple locations simultaneously, with full responsibility for operational performance, compliance, revenue growth, and staff supervision. Her role required strong organizational skills, attention to detail, and the ability to mentor and motivate teams to meet and exceed performance goals.

 

She then joined North American Recovery as an Accounts Receivable Clerk. Through strong performance, attention to detail, and a proactive approach to improving workflows, she was promoted in six months to her current role as Clerical Team Manager.

 

As a Clerical Team Manager, she oversees daily clerical operations, ensures proper data-entry, supports accounts receivable functions, and leads a team responsible for maintaining accuracy and efficiency across administrative processes. She focuses on streamlining workflows, improving team productivity, and ensuring compliance with company policies and financial standards. She is committed to developing her team, fostering a collaborative work environment, and driving continuous improvement in both processes and performance.

 

Throughout her career, she has built a reputation for reliability, adaptability, and strong leadership, with a consistent ability to deliver measurable results, but never more so than here at North American Recovery.

 

In speaking of work, Patricia says, “I love it here! I’ve never worked at a company so driven to supporting their team and seeing everyone succeed. My work here is rewarding and I enjoy making an impact for our clients and the North American Recovery team.”

 

Wendy Carrasco, Collections Department Assistant Trainer

 

I have been with NAR for five years and am truly grateful for the opportunities I’ve had to grow both personally and professionally within the organization. I began my career here as a collector and, after three years, earned the opportunity to advance into my current role. Since then, I have continued to expand my skills, deepen my knowledge, and take on new challenges.

 

Kyle Wilson, Collection Department Assistant Trainer

Kyle Wilson joined North American Recovery in November 2024 as a Collector and has quickly become a standout performer. He earned Employee of the Month in January and May 2025 and has received it twice in 2026.

With over 15 years of sales leadership and client success experience, Kyle spent over a decade at CenturyLink where he ranked in the top 20% of B2B sales professionals, won the Circle of Excellence three times (top 3%), and advanced through multiple promotions into key management roles—In these positions, he successfully led teams, built strong client relationships, drove significant sales growth, and managed large revenue portfolios.

Kyle brings proven strengths in customer focus, solution design, team coaching and development, training, and a highly effective customer service approach to his work at NAR.

Kyle truly loves the culture at North American Recovery. From day one, he has been impressed by the professionalism, collaboration, and genuine commitment to both clients and employees. He especially enjoys his role as a trainer and is excited to contribute his extensive leadership experience and energy to a team that values excellence, integrity, and making a positive impact every day.

Outside of work, Kyle is married with four children. He comes from a large family and enjoys family history research, traveling, and spending time with family and friends and the North American Recovery team.”

 

 

 

 

 

I have been with NAR since August of 2008, and it has been an adventure! I began as a Data Entry agent and moved around in varies positions in the Operations department. I moved over to the Client Service department in November 2017 and relish the chance to use all the knowledge and experience I gained to helping our clients. I really appreciate the work that I do and enjoy the people I work with.

 

In my spare time, you can find me hanging out with family and friends. 

Brittany Andrade, Client Relations Specialist

I joined NAR in May 2025 and have thoroughly enjoyed my experience so far. I began as a Receptionist and was soon given the opportunity to transition into our Client Service Department. It has been amazing to work with such a dedicated team, and I look forward to continuing to support our clients and contribute to their growth and success.

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Department Managers

North American Recovery has three distinct divisions: Operations, Sales & Client Service, and Collections. Each department manager brings his or her unique and successful leadership style in directing the individual departments. Together they form a cohesive group, which keeps everyone on the same page and ensures a high level of professionalism throughout the entire company.

Each of our managers started in a non-management position. Then, through months—and sometimes years—of outstanding job performance and by displaying natural leadership abilities, all were promoted to their current positions. Each manager has proven to be an outstanding leader in his or her own right. We are proud that each member of our management team has the unique perspective of having started in the tren