National Credit Services Phone Harassment?
*Is National Credit Services (NCS) calling you?*Stop National Credit Services 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 NCS 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. Consumers also have the option of filing a complaint against the agency for harassment.
Is National Credit Services a Scam?
According to the Better Business Bureau website, National Credit Services has been in business for 24 years. National Credit Services is considered a legitimate company, although it has received some consumer complaints. There have been 25 complaints filed against NCS with the BBB.
National Credit Services
Who is National Credit Services?
National Credit Services is a third party debt collector located in Bothell, Washington, and is one of many debt collection agencies operating in the U.S. NCS has been a party to a Federal Court case over 120 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: 2525 220th St SE Ste 200
Bothell, WA 98021-4440
Phone number: (425) 486-0468
It is important to have the correct phone number for National Credit Services when verifying their identity or disputing a debt.
National Credit Services Collection Tactics
If National Credit Services 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 (You have the right to request that National Credit Services stop making personal calls to your workplace. Notify them in writing to prohibit such calls.)
- 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 Services Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
425-486-0468, 800-324-7564, (425) 486-0468, (800) 324-7564, 4254860468, 8003247564
These numbers are often called by consumers to verify if they are speaking with National Credit Services.
If the answer is yes, then you are receiving calls from a known NCS number. You may be a victim of NCS phone harassment. The list above is not all the numbers that NCS uses. The calls can be from a different number and it still be National Credit Services calling you. Contact our office right away so we can start the process to stop NCS from calling you illegally. Above all, no one should live with harassment!
Protecting Yourself from Harassment
Dealing with debt collectors can be overwhelming, but understanding your rights under the Fair Debt Collection Practices Act (FDCPA) is the first step to protecting yourself from harassment. Federal law strictly prohibits debt collectors from using abusive language, making excessive calls, or employing unfair practices to collect debts. If you receive debt collector calls, it’s important to know that you have the legal right to demand fair treatment and to stop collection calls that cross the line.
When a debt collector contacts you, always request a written notice detailing the amount owed, the name of the original creditor, and your right to dispute the debt. This written notice is your first line of defense and should arrive within five days of the initial contact. If you believe the debt is not yours or the amount is incorrect, you can dispute the debt in writing. Sending a written request via certified mail (with return receipt) not only ensures your request is received but also requires the debt collection agency to provide written verification before they can continue contacting you.
Recognizing the signs of harassment is crucial. If you experience excessive calls, threats of wage garnishment, or aggressive tactics such as being contacted at work after you’ve asked them to stop, these are violations of the collection practices act FDCPA. You have the right to file a complaint with the Federal Trade Commission (FTC), your state’s Attorney General, or the Better Business Bureau. In cases where the debt collector violates your rights, you may be entitled to statutory damages and attorney fees.
To further protect yourself, consider reaching out to a nonprofit credit counselor or seeking legal assistance from an attorney experienced in debt collection practices. These professionals can help you understand your options, negotiate with debt collectors, and develop a payment plan that fits your financial situation. Checking the collection agency’s record with the business bureau or Better Business Bureau can also alert you to any patterns of unfair tactics or filed complaints.
Keep detailed records of all communications with debt collectors, including dates, times, and the content of each call or text message. This documentation can be invaluable if you need to file a complaint or take legal action. If a debt collector contacts you at your workplace, you can send a written request instructing them to stop contacting you there—by law, they must comply.
Remember, you have the right to regain control over your financial situation. By asserting your rights, demanding written verification, and seeking professional help when needed, you can stop collection calls and protect yourself from further harassment. Don’t hesitate to take action—your peace of mind and financial well-being are worth it.
Common Questions
These questions relate to the collection of unpaid debts and your rights as a consumer.
Is NCS a scam? No, National Credit Services has been in business for 24 years.
Can National Credit Services garnish my wages? Yes, NCS can garnish your wages on a Federal Student loan or if they obtain a judgment from the courts.
Can NCS sue me? Yes, NCS can sue you so long as the debt is within the statute of limitations, but whether you can be sued also depends on state laws regarding debt collection.
Can NCS report my debt to the collection bureaus? Yes, Debt collectors are allowed to place the collection account on your credit report. NCS typically reports unpaid debts to credit bureaus.
Can NCS 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.
The following is a sample list of complaints filed against National Credit Services in the past and can be found on Pacer.org.
3:89-cv-00551-AHN McDaniel v. National Credit Serv
3:97-cv-00375-PCD Shapiro v. National Credit Serv
2:99-cv-00227-RGS Clark v. National Credit Svc
4:96-cv-02740-SBA Lewis v. National Credit Svc
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 Services harassment. We offer a free consultation to discuss your case and provide guidance. Our office has been assisting consumers since 2010. We have an A+ rating with the Better Business Bureau.
Consumer Rights Law Firm Better Business Bureau
If you are interested in learning more about how to safeguard yourself and prevent harassment from National Credit Services. call us at 855-385-8182 for immediate assistance or visit our website at www.consumerlawfirmcenter.com
Success Stories
“I would highly recommend the Consumer Rights Law Firm to anybody that has been harassed! They were very professional and straightforward about my rights”.
“I had the pleasure of dealing with Consumer Rights Law Firm PLLC on 2 different occasions the staff were very courteous and helpful, and they were familiar with the Collection Agency’s in question and the harassment calls stop, I was even compensated. I would recommend this company to anyone going thru this type of harassment a very satisfied customer”.
“Because of a lie from a third-party debt collector that threatened me financially I nearly made the mistake of paying the debt collector money I couldn’t afford. I learned how important it is to verify debts before making any payments, especially since some collectors use illegal tactics to pressure you to pay immediately or with untraceable payments. The people here were friendly, knowledgeable and settled my case quickly. THANK YOU SO MUCH!!”
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