National Credit Audit Corp Phone Harassment?
Is National Credit Audit Corp (NCAC) calling you? Stop National Credit Audit Corp 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 NCAC phone harassment. 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.
Is National Credit Audit Corp a Scam?
According to the Better Business Bureau website, National Credit Audit Corp has been in business for 29 years. National Credit Audit Corp is an authorized and licensed debt collection agency, which demonstrates its legitimacy and compliance with relevant laws. Read more here: National Credit Audit Corp Better Business Bureau.
Who is National Credit Audit Corp?
National Credit Audit Corp is a third party debt collector located in Peoria, Illinois. National Credit Audit Corp acts on behalf of the original creditor to recover overdue payments. Once NCAC takes on a debt, they assume responsibility for collecting the outstanding balance. NCAC is responsible for complying with all relevant debt collection laws. NCAC has been a party to a Federal Court case over 55 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.
🏛️ Address: Peoria, IL 61614
📞 Phone: (309) 692-3441
National Credit Audit Corp Collection Tactics
If National Credit Audit Corp engages in any of the following tactics, you may have a case:
- ➤ Using profanity or abusive language
- ➤ Calling you before 8:00 a.m. or after 9:00 p.m.
- ➤ Calling you multiple times per week
- ➤ Talking to others about your debt
- ➤ Calling your workplace
- ➤ Threatening to sue you, harm you, or destroy your credit
- ➤ Telling you or anyone else that you’ve committed a crime
- ➤ Calling repeatedly for the wrong person
- ➤ Failing to notify you of your right to dispute the debt
- ➤ Trying to collect more than legally allowed
National Credit Audit Corp is responsible for collecting overdue debts and must follow all legal regulations, such as the FDCPA, during the collecting process.
National Credit Audit Corp Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- ☎️ 309-692-3441
- ☎️ (309) 692-3441
- ☎️ 3096923441
If the answer is yes, then you are receiving calls from a known NCAC number. Many individuals have reported being called by National Credit Audit Corp about debts, sometimes related to previous apartment leases or other obligations. You may be a victim of NCAC phone harassment. The list above is not all the numbers that NCAC uses. The calls can be from different phone numbers and it still be National Credit Audit Corp calling you. Contact our office right away so we can start the process to stop NCAC from calling you illegally. Above all, no one should live with harassment!
Collection Agency Regulations
When dealing with collection agencies like National Credit Audit Corporation, it’s important for consumers to understand the laws that protect them. The Fair Debt Collection Practices Act (FDCPA) sets strict guidelines for how debt collectors can contact and interact with you. Under this law, debt collectors are prohibited from using unfair, deceptive, or abusive tactics when trying to collect a debt. This means National Credit Audit Corp cannot make false statements about the amount you owe, threaten you with actions they cannot legally take, or overwhelm you with repeated calls.
In addition to the FDCPA, the Fair Credit Reporting Act (FCRA) plays a crucial role in how your credit information is handled. The FCRA requires that any information National Credit Audit Corporation reports to credit bureaus must be accurate and up-to-date. If you notice an error on your credit report related to a debt National Credit Audit is trying to collect, you have the right to dispute it. The credit bureaus and the collection agency are then required to investigate and correct any inaccuracies.
If you are contacted by National Credit Audit Corp or any other collection agency, you have the right to request written proof of the alleged debt. By sending a dispute letter via certified mail, you can require the debt collector to provide documentation that you actually owe the debt before they can continue collection efforts. During this process, collection activity must be paused until you receive the requested proof.
Consumers also have the right to request that a debt collector stop contacting them. This request must be made in writing, and once received, National Credit Audit Corp is legally obligated to cease most forms of communication, except to notify you of specific actions like filing a lawsuit.
It’s also important to remember that collection agencies must comply with both federal and state laws regarding debt collection and consumer protection. If you believe National Credit Audit Corp has violated your rights—whether through unfair collection practices, inaccurate credit reporting, or harassment—you can file a complaint with the , your state attorney general, or seek help from a consumer protection attorney.
Understanding your rights under the FDCPA and FCRA empowers you to take control of your financial life. By staying informed and proactive, you can ensure that your credit report remains accurate and that you are treated fairly throughout the debt collection process. If you ever feel overwhelmed or unsure about how to handle a debt collector’s calls or letters, don’t hesitate to seek professional advice to help resolve the situation and protect your rights.
Complaints Filed Against National Credit Audit Corp
The following is a sample list of complaints filed against National Credit Audit Corp in the past and can be found on Pacer.org.
- 🔗 6:18-cv-01638-RRS-PJH Narcisse v.
- 🔗 3:90-cv-00153-EBB Murdoch v.
- 🔗 3:90-cv-00697-PCD Gullans v.
- 🔗 2:11-cv-01811-PGR Taylor v.
- 🔗 2:15-cv-02607-DJH Neff v.
About Us
Consumer Rights Law Firm PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors in any form, including telephone communication. Rather than suffer alone, contact our office to begin the process to stop the National Credit Audit Corp harassment. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
If you are unable to resolve your dispute or need further assistance, do not hesitate to speak with a supervisor or representatives at National Credit Audit Corp to address your concerns.
If you are interested in learning more about how to safeguard yourself and prevent harassment from National Credit Audit Corp. call us at 877-700-5790 for immediate assistance or visit our website.
Success Stories
- 🏆 “I had been getting calls from a debt collection agency for months, even after I asked them multiple times to stop. They were calling during work hours, on weekends, and even using different numbers to trick me into picking up. I finally had enough and contacted Consumer Rights Law Firm PLLC. From the very first consultation, they were professional, clear, and reassuring. They explained exactly how the collectors were breaking the law and took immediate action. Within weeks, the calls stopped and I received a settlement for the harassment. I highly recommend them to anyone facing this kind of stress.”
- 🏆 “What stood out to me about Consumer Rights Law Firm PLLC was how compassionate and responsive they were. I had reached out to other firms, but no one followed up — this firm got back to me the same day. I was dealing with constant robocalls from a company that refused to take me off their list. The attorneys reviewed my case for free and handled everything from start to finish. I didn’t even have to go to court. They truly understand consumer protection laws and helped me feel like I had a voice. I would absolutely use their services again.”
- 🏆 “When I first heard about Consumer Rights Law Firm PLLC, I wasn’t sure what to expect. But after weeks of being harassed by a collector over an old medical bill, I decided to give them a try — and I’m so glad I did. They took my complaint seriously, asked for call logs and voicemails, and handled the case quickly. I didn’t owe them anything upfront, and they ended up helping me win compensation for the harassment. Their communication was excellent and they truly went above and beyond to make sure I was treated fairly.”
Common Questions
Is NCAC a scam?
No, National Credit Audit Corp has been in business for 29 years.
Can National Credit Audit Corp garnish my wages?
Yes, NCAC can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can NCAC sue me?
Yes, NCAC can sue you so long as the debt is within the statute of limitations.
Can NCAC report my debt to the collection bureaus?
Yes, Debt collectors are allowed to place the collection account on your credit report
Can NCAC arrest me?
Debt collectors don’t have the authority to have you arrested for a debt. However, if you violate a court order, e.g. an order to appear in court, the judge can issue a warrant for your arrest. Depending on the laws in your state, you may be arrested for certain debts like unpaid child support or traffic tickets.
