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National Enterprise Systems Phone Harassment?

Updated by Attorney Derek DePetrillo on March 27, 2024

Are you being harassed by National Enterprise Systems? Do they call you to demand payment over your delinquent debts? What you should know about National Enterprise Systems is that they reserve the right to call you over the payment of your delinquent debts. You should also know that National Enterprise Systems is not permitted to harass you under any circumstance.

With the rate of unemployment and underemployment in America today, the issue of debts and debt collection is one that affects a very large number of people. Finances are not always available in surplus and people fall into debts. Sometimes they fall so badly behind that it is difficult to pick themselves back up and debt collectors hardly give any room for excuses, this is why it is pertinent that as a consumer in the context of debt collection, you are aware of your rights.

As we mentioned earlier, National Enterprise Systems debt collection agency is allowed to contact you over the non-payment of your debts, but they are not allowed to harass you in any way.

This is so because the Fair Debt Collection Practices Act is a federal law that protects your rights as a consumer in the context of debt collection. If NES harassed you because of a debt, they may be violating the FDCPA, and you should ask them to stop or you will file a complaint against them. If they fail to stop harassing you, you can choose to sue them and get awarded up to $1,000 in statutory damages, plus they are responsible for paying your attorney fees.

One of the common ways debt collectors harass people is through disturbing phone calls. If you’re experiencing National Enterprise Systems phone harassment, you can get it to stop by filing a complaint.

How do debt collection agencies work?

Debt collectors are agencies whose job is to pursue debtors on behalf of a first-party creditor and attempt to get them to pay their debts.

If you are getting calls from a debt collector or you think you may be getting calls from them soon because of a debt that you have, you will need to understand how debt collection agencies work. Understanding this will give you a better idea of the aim and interests of a debt collector and how their minds usually work, helping you to be better prepared for their calls, to communicate better with them, and make informed decisions.

There are different types of debts, collections, and collection agencies, but there is a general sequence.

When you default on your regular debt payments, the original creditor will try to use their best effort to attempt to collect their debt from you usually within about 3 to 6 months.

However, if for whatever reason they’re not successful, they can choose to outsource it to a collection agency. The collection agency then begins to pursue the debt like they’re the original creditor.

If you owe money to an XYZ bank for example, for the first 6 months, they will be the ones calling you. After 6 months, the calls may still come, but it may be from a debt collector. The caller may still say they’re from XYZ bank, but he may actually be from ABC collection agency. The creditor pays the collection agency a commission when they collect the debt.

Commissions for collection agencies have considerably come down over the years because credit card companies and banks have been squeezing them to try to get a reduction in the amount of money, they spend in trying to collect bad debt. Therefore, the commission rate could be anywhere from 10 to 20 percent.

As a general rule, as the debt gets older – for example, if it goes past the statute of limitations period, and it can’t be settled in court – the commission rate for the collection agency goes higher. It might be as high as 40 or 50 percent of whatever they collect.

Another option for some creditors explores is to sell off the debt. Sometimes, the creditor can sell off the debt completely to a collection agency for pennies on the dollar, depending on the type of debt it is.

The debt buyer can in turn choose to get another debt collector to pursue the debt for them or pursue it by themselves. Debt collection involves several ordeals and layers of interactions, depending on the type of debt, how old it is, and the decision of the original creditor.

If you’re getting calls about a debt, it may not be from your original creditor, but rather from the debt collector who they have enlisted to collect it.

You should make proper inquiries about the debt and ask questions about the original creditor to confirm that the debt is actually yours and see what options are available for you to pay up. The FDCPA allows you to ask questions about the debt, the amount, and the original creditor.

National Enterprise Systems phone harassment

Did you know that if a debt collector calls you multiple times in a day, it is termed debt collection harassment?

There’s more…

According to the FDCPA, a debt collector should not call you before 8 am and after 9 pm daily. Any debt collector who does this is violating the FDCPA.

If you are experiencing National Enterprise Systems phone harassment, (if National Enterprise Systems is calling you many times with the intention to annoy, threaten, or harass you), they are violating your rights under the FDCPA. The first thing to do about National Enterprise Systems phone harassment is to verbally ask the debt collector to stop communicating with you via phone calls as they are beginning to violate your rights. The debt collector can continue contacting you in written form. If the harassment persists, you can file a complaint.

What to do if NES files a lawsuit against you

When debt collectors are not able to recover debts and cannot reach an agreement with the debtor, they may choose to file a lawsuit. Many lawsuits end in favor of the debt collector. This is usually because the debtors do not know what to do in such situations and end up not showing up in court. If a debt collector files a lawsuit against you and you fail to show up, that gives them an automatic judgment against you which can lead to Wage Garnishment

Do the following if you get a lawsuit summons from a debt collector.

  • Don’t panic
  • Go through your records and confirm details on the debt. Confirm the amount, agency owed, or if you even owe at all.
  • Consult an attorney and get the necessary knowledge
  • Show up in court
  • Enter into a payment agreement: To avoid the judgment being in the favor of the debt collector, propose a payment plan. If you are able to assure a debt collector that you will pay within a reasonable period of time, they may dismiss the case
  • Negotiate: Try negotiating with your debt collector for a lower payment plan

Who are National Enterprise Systems (NES)?

Based out of Solon, Ohio, National Enterprise Systems debt collection agency, also known as NES, is a licensed debt collection agency in all 50 states. They collect for creditors in the automotive, retail, financial, higher education, and telecommunications industries. As a debt collection agency, National Enterprise Systems makes a profit from the money they recover from consumers often by attaching late fees or additional charges to the original amount owed.

In May of 2018, NES settled a class-action lawsuit filed in New York Federal Court. That lawsuit accused NES of misleading consumers by requiring consumers to dispute debts only in wiring, which is against the law. Before the case could go to judgment NES settled the case for an undisclosed amount.

National Enterprise Systems contact information

Address: 29125 Solon Road, Solon, OH 44139
Phone: (440) 542-1360
Toll Free: (800) 973-0600
Fax: (330) 963-0210

Is NES a Scam?

According to the Better Business Bureau website, NES has been in business for 32 years. NES collects on debts that are past due on behalf of its portfolio of clients nationwide. There have been 48 customer complaints against them which include billing/collection issues.

If you have any additional questions than please visit our FAQ page: FAQ | Consumer Rights Law Firm PLLC (

If you are not sure of the name of the collection agency that is contacting you than feel free to visit our list of collection agencies List of Collection Agencies in United States Consumer Rights Law Firm PLLC (

National Enterprise Systems Debt collection scams

It is a huge mistake to assume that every debt collector who contacts you is legit. There have been numerous cases where people were contacted by debt collectors who eventually turned out to be scammers.

This is why you must be cautious in your communication with “debt collectors”. It is always advised that you ask as many questions as possible about the debt to be sure the debt collector is genuine. You should also refrain from giving out your personal financial information to a debt collector. Many unsuspecting individuals have been victims of debt collection scams due to ignorance.

With this information, if you are being contacted by a debt collector claiming to be NES, you should immediately begin to be suspicious about National Enterprise systems scams.

Although not accredited by the Better Business Bureau, National Enterprise Systems debt collection is a legit process. The company has been in business for 33 years.
NES is a debt collection company, and they provide financial services, retail, telecommunication, and higher education debts.

If you get a call from either of these numbers: 1-440-542-1360 or 1-800- 973-0600, you are getting called by the National Enterprise Systems because those are the National Enterprise Systems customer service numbers.

If you get a call from someone claiming to be from National Enterprise Systems and you suspect that it is a scam, you can verify by asking the following questions:
1. The name of the debt collector
2. The address of the debt collector
3. The name of the debtor they’re calling (Your full name)
4. Who the original creditor is, and the debt amount
5. A debt validation letter

Making thorough inquiries by asking the above questions will help you if you’re suspicious about NES scams.
You can also reach the National Enterprise Systems customer service by using any of the National Enterprise Systems customer service numbers to contact them directly and confirm if the call you’re getting is from them.

You can reach National Enterprise Systems customer service on +1 440-542-1360 and 800-973-0600

Facing harassment from these NES numbers?

National Enterprise Systems Phone Harassment can be quite annoying!  Are you receiving harassing phone calls from any of these numbers?

6145044039, 9412194850, 2012444671, 2012524935, 2012974797, 2012974800, 2012974801, 2013454539, 2016764903, 2019772425

614-504-4039, 941-219-4850, 201-244-4671, 201-252-4935, 201-297-4797, 201-297-4800, 201-297-4801, 201-345-4539, 201-676-4903, 201-977-2425

(614)504-4039, (941)219-4850, (201)244-4671, (201)252-4935, (201)297-4797, (201)297-4800, (201)297-4801, (201)345-4539, (201)676-4903,

(201)977-2425, 800-626-0305, 214-390-2418, 800-973-0600, 800-261-3182, 440-542-1360, 800-261-3182, 201-676-2587, (877) 603-7165,

734-325-1588, 800-260-5834, 800-899-5582, 603-483-3121, 603-483-3586, 603-760-7013, 800-973-0600

If the answer is yes and you are receiving calls from a known National Enterprise Systems number, contact a legal professional immediately.  CRLF, Pllc will start the process to stop the National Enterprise Systems NES phone harassment. No one should live with the harassment! Regain your peace of mind while ensuring the debt collectors pay for their willful act of violation. Contact a professional to understand debt harassment laws better and to stop NES from contacting you illegally.

Questions you may ask yourself

Q: Does National Enterprise Systems scam consumers?

A: From our experience, NES Collections do not or are not involved in scamming consumers.

Q: Is NES Collection Agency a legit company?

A: Yes, NES Collection Agency is a real company that is licensed as a professional debt collection agency out of Solon, Ohio.

Q: Can NES garnish wages?

A: Yes, NES collection agency can garnish wages on Federal Student loans or if they obtain a judgment from the courts, they in fact can.

Q: Does NES have complaints FILED AGAINST THEM?

A: Yes, according to they have many civil complaints.

Is NES Student Loans a real thing?  Yes, NES collects on Private Student loans.

The following is a sample list of complaints filed against National Enterprise Systems in 2018 and 2019 and can be found on
National Enterprise Systems, Inc. (dft)1:2017cv06502Markistic v. National Enterprise Systems, Inc. et alNew York Eastern District Court02/22/2019
National Enterprise Systems, Inc. (dft)2:2018cv04362Carcamo v. National Enterprise Systems, Inc.New York Eastern District Court08/01/201802/07/2019
NES2:2018cv04315MINOR v. NATIONAL ENTERPRISE SYSTEMSPennsylvania Eastern District Court10/05/201801/08/2019
NES0:2017cv05376Shefelbine v. National Enterprise Systems, Inc.Minnesota District Court12/07/201712/12/2018
NATIONAL ENTERPRISE SYSTEMS, INC. (dft)3:2018cv02292RICCIO v. NATIONAL ENTERPRISE SYSTEMS, INC. et alNew Jersey District Court02/16/201812/07/2018
National Enterprise Systems Inc (dft)2:2018cv01215Bower v. National Enterprise Systems IncWisconsin Eastern District Court08/07/201812/04/2018
NES1:2018cv05742O’Connor v. National Enterprise Systems, IncIllinois Northern District Court08/22/201811/21/2018
National Enterprise Systems, Inc. (dft)7:2018cv07868Tabak v. National Enterprise Systems, Inc. et alNew York Southern District Court08/28/201810/31/2018
NATIONAL ENTERPRISE SYSTEMS (dft)2:2018cv02623TILLISON v. NATIONAL ENTERPRISE SYSTEMSPennsylvania Eastern District Court06/21/201810/22/2018
National Enterprise Systems, Inc. (dft)2:2018cv01520NOT USEDNevada District Court08/15/201809/11/2018
NES1:2018cv01970Banham v. National Enterprise Systems et alNew York Eastern District Court04/02/201808/30/2018
National Enterprise Systems, Inc. (dft)2:2018cv02730Lockett et al v. National Enterprise Systems, Inc.New York Eastern District Court05/08/201808/10/2018

Consumer Rights Law Firm, PLLC is a law firm that specializes in helping clients who are facing harassment from debt collectors. If you suspect that your debt collection rights are being trampled upon, contact our office to begin the process to stop the harassment you may currently be receiving from NES. Our office has been assisting consumers since 2010, and we have an A+ rating with the Better Business Bureau.

Call us at (877)700-5790 for immediate assistance.

Success Stories

Do you need encouragement in your own case of debt collection harassment? Do you want to share your success story? Click here.

You can also file a complaint directly with the following government entities: Please click on the links below.

Federal Trade Commission

Ohio Attorney General

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