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National Credit Adjusters or NCA started business in 1959, and incorporated in Kansas in 2002. This debt collection agency is also known as NCA and 4 Sum Inc., and is affiliated with International Homes. Based in Hutchinson, Kansas, National Credit Adjusters also has offices in Chandler, Arizona, and Peoria, Arizona. Their main focus is handling retail and credit card debt, though they have also been involved in collecting payday loans.
National Credit Adjusters is a legitimate debt collection agency with an extensive history of harassing consumers over debts. In 2015 they settled an enforcement action brought by the New York City Department of Consumer Affairs that required the debt collection agency to cease collection activities in New York City and pay $350,000 in fines. New York City charged NCA with illegally collecting payday loans, using deceptive practices, and threatening to sue consumers. The settlement included provisions for paying restitution to consumers and deleting negative information from consumers’ credit reports. It also prohibited NCA from selling the debts.
If you’ve suffered from NCA debt harassment, you do have options. Under the law you can recover up to $1,000 for violations of the FDCPA, and $500 to $1,500 for each cell phone robocall.
As of April 2017, the Better Business Bureau reported 202 closed National Credit Adjusters complaints within the previous three years, including 53 closed complaints within the previous 12 months. The BBB gives National Credit Adjusters a B+ rating. In addition, Justia lists 21 NCA complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, and one alleging violations of the Telephone Consumer Protection Act. Furthermore, the Consumer Financial Protection Bureau (CFPB) lists 125 closed complaints for 2016.
Sample Case Filed in Federal Court
In 2014, a judge in U.S. District Court, Eastern District of Missouri, denied National Credit Adjusters’ motion to dismiss Williams v. National Credit Adjusters for alleged violations of the Missouri Merchandising Practices Act. According to the judge’s decision, the consumer alleged that National Credit Adjusters attempted to collect a payday loan it had purchased, and that a NCA debt collector used racial epithets, abusive language, threats of arrest, and deception. National Credit Adjusters argued that the alleged activities weren’t covered by the MMPA, but the judge cited a recent Missouri Supreme Court decision required that NCA’s motion be denied.
National Credit Adjusters, LLC
327 W. 4th Avenue
Hutchinson, KS 67501
Phone Number: 888-768-0674
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely NCA would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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You sure can. Here are some past Press Releases of cases filed on our clients’ behalf at no fee to them:
December 2, 2015. It’s holiday season, which means many of us will be spending more time with our families. This can be uncomfortable even under the best circumstances. Imagine how stressful it would be if your extended family were privy to your finances? That is what happened to our client.
Like many of us, our client had some debt in collection. Debt collection agency National Credit Adjusters was trying to collect. Instead of keeping her debt information confidential like debt collectors are supposed to do, our client says that NCA called her mom in order to try to collect on the debt. In the process, NCA disclosed to our client’s mom information about our client taking out a loan. Can you imagine how humiliating that would be?
Our behalf of our client, Lemberg Law recently filed suit in the U.S. District Court, Middle District of North Carolina, against National Credit Adjusters. The suit charges National Credit Adjusters with violating the Fair Debt Collection Practices Act (FDCPA) by revealing debt information to third parties; by engaging in harassing behavior; and by using unfair and unconscionable means to collect a debt. The debt collectors are also charged with violations of the North Carolina Fair Debt Collection Practices Act (NCFDCPA) by communicating with someone other than the debtor or his or her attorney; and by using a form of communication to convey prohibited personal information which would ordinarily be heard by someone other than the debtor.
National Credit Adjusters is also charged with violating the North Carolina Unfair Trade Practices Act (NCUTPA) because the unfair or deceptive acts occurred in commerce. The suit asks for statutory damages of $1,000 for violations of the FDCPA, and statutory damages of $4,000 for violations of the NCFDCPA, plus other relief.
November 14, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Eastern District of Wisconsin. The case, against National Credit Adjusters, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages, plus other relief.
Few people have jobs where they’re allowed to take personal calls. Even if they can take a personal call now and then, it can interfere with their work. That’s why the Fair Debt Collection Practices Act includes a provision saying that debt collectors can’t call you at your workplace if you tell them you can’t take calls at work or it’s inconvenient to take calls at work.
Our client says that NCA called her at work, and that she told them that the calls were inconvenient and prohibited by her employer. Nevertheless, National Credit Adjusters continued to call her at work.
This lawsuit charges that National Credit Adjusters violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by calling at a place and time known to be inconvenient to our client; by contacting our client as her workplace, knowing that her employer prohibited such calls; and by using unfair and unconscionable means to collect a debt.
November 10, 2015. On behalf of our client, Lemberg Law recently filed a complaint in U.S. District Court, Northern District of Georgia. The case, against National Credit Adjusters, charges the debt collection agency with violating federal law and asks for $1,000 in statutory damages, plus other relief.
These days, more and more people are working from home. Sometimes folks have an employer and work remotely, and other times they are self-employed. Either way, it’s usually important that the person’s phone line stay available to take work-related calls.
Our client works from home. She says that NCA called her during the day, and that she told the debt collector that she uses her home phone for business and couldn’t accept personal calls before 7:00 at night. How did the NCA debt collector respond? She says that they told her that would continue calling her until the debt was paid.
Our client disputed the debt and requested that the debt collector send her validation of the debt. How did they respond? By threatening to take legal action against her if she didn’t pay. But to this day, they’ve never filed suit against her.
This lawsuit charges that National Credit Adjusters violated the Fair Debt Collection Practices Act (FDCPA) by engaging in harassing behavior; by contacting our client at a place and time known to be inconvenient; by using false, deceptive, or misleading representation in connection with the collection of a debt; by threatening to take legal action without actually intending to do so; by employing false and deceptive means to collect a debt; and by using unfair and unconscionable means to collect a debt.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Consumers have reported this agency harassing them from the following numbers:
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call 844-685-9200 NOW.
What Our Clients are Saying
“Thank you, thank you, thank you! I couldn’t be happier with all the hard work your office has done for me. I feel throughout the whole process I was kept informed, and my questions were always answered completely. The calls have stopped, I no longer have a mountain of junk bills piling up, and I owe it all to Lemberg Law.”
“I was so excited when you told me about the positive outcome of the lawsuit. If the need ever arises again, I will not hesitate to call your office or recommend your law services to a friend in need.”
“We are writing to express our sincere thanks and to convey how very pleased we have been, from first contact, with the services provided by your firm – in particular by the attorney who handled our case, Vlad Hirnyk.”
Chances are good that we can help. Call us today and we’ll explain.
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