National Credit Systems Phone Harassment?
Is National Credit Systems (NCS) calling you? Stop National Credit Systems 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. Millions of Americans experience similar issues with debt collection agencies.
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. Consumer protection laws such as the FDCPA exist to protect individuals from abusive practices. Consumers can file a complaint or claim against National Credit Systems if their rights are violated, and filing a complaint is an important step in holding debt collectors accountable.
Is National Credit Systems a Scam?
According to the Better Business Bureau website, National Credit Systems has been in business for 27 years. National Credit Systems is a legitimate company, although it has received many complaints. The agency is often called or referred to by various names in consumer reports and communications. There have been 437 complaints filed against NCS with the BBB. These complaints are often reported to the Better Business Bureau and other consumer protection agencies. Read more here: National Credit Systems Better Business Bureau.
Who is National Credit Systems?
National Credit Systems is a third-party debt collector located in Atlanta, Georgia. National Credit Systems often acts on behalf of landlords and property managers to recover unpaid debts. The company’s main business is collecting debts from consumers across the country. NCS has been sued in Federal Court over 570 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. NCS has also been accused of attempting to collect debts through aggressive tactics, including lawsuits. Some consumers may seek debt relief or legal assistance to resolve their accounts with NCS. It is important for customers to have the knowledge to protect their rights when dealing with debt collectors like NCS.
🏛️ Address: 3800 Camp Creek Pkwy SW Bldg 1800-110 Atlanta, GA 30331-6050
📞 Phone: (404) 629-9595
Understanding Credit Systems and Reports
Navigating the world of debt collection starts with understanding how credit systems and credit reports work. Your credit report is a comprehensive record of your financial history, including your debts, payment patterns, and any accounts sent to collections. Credit bureaus compile this information, and it plays a crucial role in your ability to secure loans, rent an apartment, or even get a job.
The Fair Credit Reporting Act (FCRA) is a federal law designed to protect consumers from inaccurate or misleading credit reporting. Under the FCRA, third-party debt collectors like National Credit Systems must ensure that any information they report to the credit bureaus is accurate and up to date. If National Credit Systems reports a debt to your credit report, you have the right to review that entry and dispute any inaccurate information. This is especially important if you believe the debt is not yours, has already been paid, or contains errors in the balance or dates.
Consumers are entitled to request a free copy of their credit report from each of the major credit bureaus every year. By regularly reviewing your credit report, you can spot any mistakes or signs of identity theft early. If you find inaccurate information related to National Credit Systems or any other debt collector, you have the right to file a dispute and request a correction. Taking these steps helps you protect your credit, your financial reputation, and your peace of mind.
National Credit Systems Collection Tactics
When dealing with National Credit Systems, it’s important to be aware of the collection tactics they may use. As a debt collection agency, National Credit Systems often attempts to collect debts through persistent phone calls, mailed notices, emails, and by reporting collection accounts to the credit bureaus. While their goal is to collect payment, they are required by law to follow fair debt collection practices.
The Fair Debt Collection Practices Act (FDCPA) prohibits debt collectors from using abusive, deceptive, or unfair tactics. If you are contacted by National Credit Systems, you have the right to request debt validation. This means the agency must provide you with written proof of the debt, including details such as the original creditor, the contract, payment history, and the current balance. If National Credit Systems cannot provide this information, you can dispute the debt and request that it be removed from your credit report.
If you decide to resolve the debt, you can negotiate a settlement or payment plan. Always ensure that any agreement with National Credit Systems is in writing and clearly states whether the debt will be marked as “paid” or “settled” on your credit report. This protects you from future disputes and helps restore your credit standing. By understanding your rights and the tactics used by debt collectors, you can take control of your financial situation and protect yourself from harassment and unfair practices.
National Credit Systems Phone Examples
If National Credit Systems 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
- ➡️ Failure to provide proper documentation or bills, which can lead to inaccurate reporting on your credit report
- ➡️ Trying to collect more than legally allowed
If you are contacted by NCS, always verify any debt claims they make to avoid inaccurate reporting on your credit report. You should also determine whether NCS’s collection tactics are within the limits of the law. Certain actions by NCS, such as wage garnishment, are limited by federal and state laws.
National Credit Systems Phone Numbers
Are you receiving any harassing phone calls from any of the following numbers?
- ☎️ 404-629-9595
- ☎️ 800-367-1050
- ☎️ 404-629-2728
- ☎️ 404-629-9595
- ☎️ (404) 629-9595
- ☎️ (800) 367-1050
- ☎️ (404) 629-2728
- ☎️ (404) 629-9595
- ☎️ 4046299595
- ☎️ 8003671050
- ☎️ 4046292728
- ☎️ 4046299595
If the answer is yes, then you are receiving calls from a known NCS number. You may be a victim of NCS phone harassment. These calls may be about an unpaid bill or a collection account that NCS is trying to recover. If you are unsure about the validity of the account being referenced, you should request written verification from NCS. The list above is not all the numbers that NCS uses. The calls can be from different phone numbers and it still be National Credit Systems 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!
Complaints Against National Credit Systems
The following is a sample list of complaints filed against National Credit Systems in the past year and can be found on Pacer.gov.
- 📋 1:12-cv-01099-TDS-LPA Durham v.
- 📋 1:07-cv-03367-JBS-JS Thompson v.
- 📋 2:18-cv-02556-MSG Snowden v.
- 📋 2:10-cv-02108-SLB Bussey v.
- 📋 2:12-cv-02632-JHE Brown 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 Systems 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 Transworld, Inc. call us at 877-700-5790.
Success Stories
- 🏆 “I was receiving constant phone calls from a debt collector — sometimes multiple times a day. It was affecting my work and sleep. A friend recommended Consumer Rights Law Firm, and I’m so glad I reached out. From the first call, they were professional and compassionate. They explained my legal rights, filed the necessary complaints, and within a week, the calls completely stopped. I finally feel like I have my life back.”
- 🏆 “Before contacting CRLF, I had no idea I could actually fight back against harassment from debt collectors. They walked me through the process step-by-step, gathered all the details about my case, and immediately took action. Not only did the calls stop, but they also made sure I knew what to do if it ever happened again. Their team is efficient, professional, and genuinely cares about protecting consumers.”
- 🏆 “The harassment from a certain collection agency had been going on for months. They would call early in the morning, during work hours, and even on weekends. I felt trapped until I found Consumer Rights Law Firm. The attorneys took my case seriously, collected all the call records, and dealt with the collectors directly. Within days, the calls ended, and I could finally relax. I’m so grateful for their dedication and fast action.”
Common Questions
Is NCS a scam?
No, National Credit Systems has been in business for 27 years.
Can National Credit Systems 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.
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.
