National Credit Systems or NCS, is a third party collection agency located in Atlanta, Georgia. Launched in 1991, they specialize in collecting on behalf of the apartment market. National Credit Systems boasts that it is the largest collector at the multifamily housing section. They seem to be a one-stop service, offering pre-collection applications and standard collection services, in addition to initiating wage garnishments for legal conclusions, suing tenants, and purchasing bad debt. NCS claims to have a dozen agents across the nation and relations to a law firm with employees dedicated to working for National Credit Systems and its customers.
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National Credit Systems is a legitimate debt collection agency based in Atlanta, GA. Apartment collections are over 98% of their business. They boast that their clients have placed $1.5 billion in accounts. NCS has 125 employees and a long history of harassing consumers over debt.
If you’ve suffered from NCS 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 360 closed National Credit Systems complaints over the previous few decades, including 129 closed National Credit Systems complaints over the past 12 months. The BBB provides NCS a B- rating.
National Credit Systems Collection Agency Address
National Credit Systems, Inc. hides from view. It lists the following PO Box as its address.
PO Box 312125
Atlanta, GA 31131
But in reality the company is located at:
3750 Naturally Fresh Blvd
Atlanta, Georgia 30349-2964
Phone Number: 800-367-1050
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely NCS 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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Absolutely. Here’s an example of a case filed in federal court.
In 2011, a judge in U.S. District Court, District of Arizona, granted a Customer’s motion for summary judgment in Smith v. National Credit Systems for alleged violations of the Fair Debt Collection Practices Act. According to the judge’s conclusion, when National Credit Systems known as the consumer, the customer disputed the debt. The debt collector didn’t indicate the consumer’s file as contested, and the debt collection agency sent the customer a collection letter. The correspondence contained language about a consumer’s right to dispute. Two days later, National Credit Systems sent another letter saying his dispute was investigated, but that the debt collection agency could not find any evidence to confirm his claims, and that it was up to the consumer to supply National Credit Systems with documentation. A bit more than a month later, the debt collection agency sent a letter stating they had been reporting the debt to the 3 big credit agencies. A few months later, the customer received another letter stating that the debt had already been reported to the credit reporting agencies. In actuality, the debt was not reported until four days after the letter was sent. National Credit Systems claimed that it had made a mistake (a bona fide error defense is permissible under the FDCPA). The judge ruled that it hadn’t fulfilled the criteria for a bona fide error defense, said that the agency had violated the FDCPA in different ways, and allowed the customer’s motion for summary judgment.
Here are some past Press Releases of Lawsuits Brought On By Lemberg Law Against National Credit Systems
November 24, 2015. Dealing with debt collectors can be tricky. Negotiating debt settlements can be even more so. Our client tells us that National Credit Systems contacted her this past May. The National Credit Systems debt collector told her that she could settle the debt for 50 percent of the balance. Our client told the debt collector that she could pay that amount within two months. The National Credit Systems debt collector told our client that they would send her a letter detailing the payment arrangement.
When our client got the letter, though, it said that she’d “failed to make suitable arrangements,” and didn’t even mention the payment plan. So our client talked to the National Credit Systems debt collector again. He accused her of refusing to pay the debt. When she said she’d pay 50 percent to settle it, as they’d previously agreed, he told her that National Credit Systems had never agreed to settle for 50 percent, and instead demanded she pay the debt in full.
When our client asked the NCS debt collector what she had to do to settle the debt, he told her that she could settle for 75 percent of the balance, but that she had to pay by the end of the day or National Credit Systems would file a lawsuit against our client. National Credit Systems never did file that lawsuit.
Our client’s case, which was recently filed in U.S. District Court, District of Connecticut, charges National Credit Systems with violating the Fair Debt Collection Practices Act by engaging in harassing behavior; by using false, deceptive, or misleading representation in connection with the collection of a debt; by threatening to take legal action without 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. It asks for statutory damages of $1,000, plus other relief.
Understand Your Debt Collection Rights
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.
Phone Numbers Employed by National Credit Systems
Consumers report getting debt collection calls 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 receiving 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.
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