National Credit Systems, also known as NCS is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might calling, and how you can stop them.

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What is National Credit Systems – NCS?

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.

Have questions? Call us now at 844-685-9200 for a Free Case Evaluation.

Our services are absolutely FREE to you.

The harassing company pays our fees.

Is National Credit Systems a scam?

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.

How many Complaints are there against National Credit Systems – NCS?

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
Website: https://www.nationalcreditsystems.com/

Can National Credit Systems Sue Me or Garnish My Wages?

It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely National Credit Systems 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!

Click 844-685-9200 ☎ NOW to call us or go ahead and fill out our Contact Form. Our services are absolutely FREE to you

Can you help me file a No Fee Lawsuit against National Credit Systems – NCS?

Absolutely. Here’s an example of a case filed against National Credit Systems 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 National Credit Systems 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.

National Credit Systems Calling You?

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:

3035157261
4042144984
4042144988
4044191460
4044191462
4044191463
4044191473
4044191474
4044191476
4044191477

Want to Stop National Credit Systems Debt Collection Harassment Now?

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

“I can’t start to tell you how happy this makes me. It is actually comforting to know that there are people ready to do the things you have done. I am really blessed to have found you guys, and was not worried about anything. I think that at the end was the best part for me, reassurance. I’ve got the release here and have signed it, I will fax it over the hour.”

The Lemberg company and everyone we dealt with were true professionals. Michael and I’m very pleased at the final outcome of all our cases. The settlements we received were honest and the activities against the agencies to stop the harassment were swift.”

“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”

Can You Help Me Delete National Credit Systems from My Credit Report?

Odds are good that we can help. Contact us now and we’ll clarify.

 

11 COMMENTS
  • Hani Hanna

    needd help against same company helping landlord imposing fraudulent charges on me continuous ahrraseemnt phone and mail ruining my credit score and my life

    • Catina Franklin

      > I’m needed help with National Credit Systems they won’t give me a letter saying that I’m going to pay them off and this is what we did agree to settle up on it want me to send money to them MoneyGram they won’t give me a receipt I need help please they are rude talking about a lawsuit with me and everything I just need help I can’t get another apartment because of these people

  • Catina Franklin

    > I’m needed help with National Credit Systems they won’t give me a letter saying that I’m going to pay them off and this is what we did agree to settle up on it want me to send money to them MoneyGram they won’t give me a receipt I need help please they are rude talking about a lawsuit with me and everything I just need help I can’t get another apartment because of these people

  • Jeremy Wattenbarger

    Major issues with National Credit Systems. I was forced to pay them off because I have a security clearance. They never validated the debt that I actually owed them or proved that I owed them. To make matters worse they refused to speak to the security clearance investigator and validate that the amount they said I owed was paid. I just had to pay and they were NASTY to the max. I have asked them numerous times through credit disputes to remove the collections from my credit report they refused. They even kept reporting the collection monthly till I called the credit bureaus and they sent a letter for them to to provide a reason for monthly reporting. They stopped and reset the date, but the report still shows two collections from them even though the accounts were merged. Again I cannot get any documentation or proof. I have zero defense against them because I was forced to pay or lose a security clearance. No idea to this day if I actually owed or if the amounts were correct.

  • Brian Hessler

    National Credit Systems (NCS) is simply asking me to pay a debt that I do not owe. NCS has never sent me any documentation that demonstrates that the debt is valid and that the debt is mine. Just incredibly frustrating….

  • Crenshaw-Thorne

    These vultures are the worst of the worst. Insisting my husband and I owe more than $300 when the landlord did not follow Virginia’s landlord/tenant law on security deposits. The documentation they sent verifies that they didn’t follow the law. Thank God for law degrees because I am taking them to court as soon as they KNOWINGLY place false information on either of our credit reports. I won’t be intimidated and I won’t be fleeced out of my money.

  • Tracy

    I have a previous eviction and the property management company sold the debt to NCS. I was never contacted by then by phone, email or mail in regards to setting up a payment plan. I received a notice from my employer of a wage garnishment issued by them. To this day I have no documentation from them in regards to what they are taking.

  • Tom

    I have a Collection from them of almost $3000 for a fridge (yes a fridge) from an old apartment. Its been almost 3 years, and they have not contacted me, but I want this crap off. I know if I hold off in 3 more years, that thing will drop off. Was trying to see should I attack them, or just lay low

  • Gilbert

    I want to know why it takes NCS only 2 minutes to take your money, but it takes 2 entire business days just to receive a receipt showing you paid your debt. I still haven’t received a receipt for my full payment I called to ask them if there is anything I can do to speed up the process, but they hung up the phone on me. Unbelievably rude staff at NCS.

  • Linda Catalano

    I was found guilty of traffic accident w/o auto insurance (1st time in my life)
    I am retired, 69 yrs old – I am
    Trying to make agreement/settlement with NCS, but gear they won’t work with me & will file Judgment against me-
    What can I do?
    Linsa Catalano

  • Voncile

    Back on 2014 I earned some bad debt on my credit it was $2400 i paid these credit people 1800 they sent me a Clarence letter I called them almost every day for a year from different phones they some how blocked my number and this is still not removed mind you this debt came from me breaking my lease and moving to a more affordable apartment complex I always paid my rent on time but I signed documents saying if I broke my lease I would pay two months worth of rent witch my financial status had change well 2years later 2016 I made agreement to pay 1800 which was paid and this bull crap is still on my credit and they keep reporting it to all credit bureaus what can I do

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