National Credit Adjusters Phone Harassment?
Is National Credit Adjusters (NCA) calling you? Stop National Credit Adjusters phone harassment. Do they threaten to take legal action or garnish your wages? Are they calling you at all hours or several times a day? Are they telling your family and neighbors that you owe a debt? If so what they are doing is illegal and needs to stop. You have the legal right to stop NCA phone harassment and to demand that they stop calling you. If a collection agency violates the FDCPA, you may be eligible to receive up to $1000.00 in statutory damages, along with covering your attorney fees. You may also be entitled to recover money for harassing calls, and the debt collector may be required to pay your legal costs.
Is National Credit Adjusters a Scam?
According to the Better Business Bureau website, National Credit Adjusters is a legitimate company that operates as a debt collection agency. National Credit Adjusters has been in business as a company for 60 years. There have been 147 complaints filed against NCA with the BBB.
National Credit Adjusters Better Business Bureau
Who is National Credit Adjusters?
National Credit Adjusters is a third party debt collector and is one of many debt collection companies operating in the industry, located in Hutchinson, Kansas. NCA has been a party to a Federal Court case over 690 times. They have been accused of violating consumer’s rights and illegal and harassing communication tactics to attempt to coerce a payment from the harassed consumer.
While some companies in the industry are known as junk debt buyers—purchasing debts outright and then pursuing collection—National Credit Adjusters is not a junk debt buyer but acts as a third-party collector. NCA is part of a broader group of debt collection agencies that collect debts on behalf of original creditors.
Address: 300 N Madison St
Hutchinson, KS 67501-4857
Phone: (800) 286-5427
National Credit Adjusters Collection Tactics
If National Credit Adjusters engages in any of the following tactics, or if they attempt to collect a debt in an aggressive or inappropriate manner (which is not allowed when collecting debt), you may have a case:
- Engaging in an aggressive or inappropriate manner when collecting debt
- Calling you repeatedly or at odd hours
- Using abusive or threatening language
- Contacting you at work after being told not to
- Discussing your debt with third parties
- Misrepresenting the amount you owe
- Threatening legal action they cannot take
National Credit Adjusters Phone Numbers
800-286-5427, 620-662-4433, (800) 286-5427, (620) 662-4433, 8002865427, 6206624433
If the answer is yes, then you are receiving calls from a known NCA number and are being contacted by National Credit Adjusters. You may be a victim of NCA phone harassment. If you have been called or contacted by National Credit Adjusters, the list above is not all the numbers that NCA uses. The calls can be from a different number and it still be National Credit Adjusters calling you. Contact our office right away so we can start the process to stop NCA from calling you illegally. National Credit Adjusters contacting you repeatedly may constitute harassment. Above all, no one should live with harassment!
Is NCA a scam? No, National Credit Adjusters has been in business for 60 years.
Can National Credit Adjusters garnish my wages? Yes, NCA can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts. This typically happens after a lawsuit is filed and a judgment is obtained by the creditor or original creditor.
Can NCA sue me? Yes, NCA can sue you so long as the debt is within the statute of limitations. However, while National Credit Adjusters can sue consumers, they rarely do so. Most lawsuits are filed by the original creditor or specialized debt buyers rather than NCA itself.
Is National Credit Adjusters likely to sue me? It is uncommon for National Credit Adjusters to sue consumers directly. Although national credit adjusters sue in rare cases, most suing for debt collection is done by the original creditor or a debt buyer after purchasing the account. If you are sued, it is important to respond and consider filing the correct paperwork with the court.
Can NCA report my debt to the collection bureaus? Yes, both the original creditor and National Credit Adjusters can report the original debt and any overdue debt to credit bureaus. This means your credit report may show entries from both the original creditor and the collection agency.
What types of debts does NCA collect? National Credit Adjusters collects a variety of debts, including loans, payday loans, and debts purchased from a credit card company. They often pursue overdue debt that has been charged off by the original creditor or other creditors.
How can I resolve my debt with NCA? You can settle, pay, or make payments to resolve your debt with NCA. Paying or settling the debt may improve your credit over time, but even after the debt is paid, it may still appear on your credit report as a paid collection.
What should I do if I believe the debt is not mine? If you believe the debt is not yours, you should send a notice to dispute the debt, request to verify the debt, and consider sending a cease and desist letter to stop collection calls. If you are sued, filing the correct paperwork is important to protect your rights.
Can NCA arrest me?
These common questions have been answered for your convenience.
The following is a sample list of complaints filed against National Credit Adjusters in the past and can be found on Pacer.org.
These cases are part of the public records, and reviewing such records can help consumers understand the legal history of National Credit Adjusters. Filing a complaint against National Credit Adjusters creates a legal record that can be referenced in future disputes.
2:10-cv-08330-SVW-AJW Paglia v. National Credit Adjusters
3:17-cv-00884-DMS-BGS Tuck v. National Credit Adjusters
6:10-cv-01632-JA-DAB Elisma v. National Credit Adjusters
3:15-cv-00305-MCR-EMT Smith v. National Credit Adjusters
9:10-cv-80079-KAM Bilz v. National Credit Adjusters
Consumer Rights Law Firm, PLLC is a law firm that represents clients and acts on their behalf to stop harassment from debt collectors in any form, including telephone communication. Our attorneys can help clients recover more money for harassment and illegal collection practices. We also assist clients with issues related to inaccurate information or identity theft on their credit reports, working with credit bureaus to correct these problems. The firm helps clients understand their options regarding bankruptcy, settlements for pennies on the dollar, and managing payments. Rather than suffer alone, contact our office to begin the process to stop the National Credit Adjusters harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are interested in learning more about how to safeguard yourself and prevent harassment from National Credit Adjusters, call us at 855-385-8182 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Debt Relief and Settlement Options
If you’re dealing with National Credit Adjusters, you have several debt relief and settlement options to consider. Under fair debt collection practices and federal laws, you have the right to request a debt validation letter from any debt collection agency, including National Credit Adjusters. This letter requires the collection agency to prove that the debt is legitimate and that they have the authority to collect it. If the debt is inaccurate, outdated, or not yours, you can dispute it and potentially have it removed from your credit report, protecting your credit score from further damage.
When it comes to settling a debt, National Credit Adjusters may be willing to accept less than the full amount owed, especially since collection agencies often purchase debts for a fraction of their original value. You can negotiate a lump-sum payment or set up a manageable payment plan that fits your budget. It’s important to get any settlement agreement in writing before making a payment to ensure your rights are protected.
Working with a reputable law firm or credit repair team can help you navigate the debt collection process, understand your legal options, and avoid further harassment. By taking advantage of your rights under fair debt collection laws, you can regain control of your finances, resolve your debt, and move forward with confidence.
Protecting Your Assets
When National Credit Adjusters or any debt collection agency contacts you, it’s crucial to know how to protect your assets from aggressive collection tactics. Debt collectors may attempt to collect debts through persistent phone calls, letters, or even legal action, but state and federal laws—including the FDCPA—offer important protections for consumers.
Your bank account, wages, and personal property are not automatically at risk just because a debt collector is contacting you. National Credit Adjusters must follow strict legal procedures before they can garnish wages or seize assets, and only after obtaining a court judgment. Understanding your rights can help you prevent unauthorized access to your accounts and avoid unnecessary financial hardship.
If you’re concerned about your assets, consider consulting with a law firm or credit repair professional who can advise you on the best course of action. They can help you respond to collection calls in a way that protects your interests and ensures that National Credit Adjusters complies with all applicable laws. By staying informed and proactive, you can deal with debt collectors confidently and safeguard your financial future.
