What rights do I have if NCC Business Services is harassing me?

Under the FDCPA, you have the right to request written validation of the debt, to be free from harassment (e.g., repeated calls, threats, obscene language), and to send a cease‑and‑desist letter. If NCC violates these, you can file a complaint or sue for damages.

Can NCC Business Services call me repeatedly or at odd hours?

No. Debt collectors cannot place repeated calls intended to harass, and they may only call between 8 a.m. and 9 p.m. Repeated calls or off‑hour contact may violate the FDCPA.

Is NCC Business Services allowed to threaten me with arrest or lawsuit?

No. NCC cannot threaten to arrest you or take legal action unless they legally intend to and it’s legitimate. Using false threats violates the FDCPA.

Can NCC Business Services contact my family or employer about my debt?

They may contact third parties only to get your contact information (like your phone or address). But they cannot reveal details of your debt to family, friends, or coworkers.

How do I make NCC Business Services stop calling me?

You can request debt validation and then send a written cease‑and‑desist letter. After that, NCC must stop calls except to notify you of legal action.

Can I sue NCC Business Services for harassment?

Yes. If they violate the FDCPA—for example, through repeated harassment, false threats, or unauthorized third‑party disclosure—you can sue and recover up to $1,000 in statutory damages plus any actual harm and attorney’s fees.

Does NCC Business Services affect my credit report?

Yes. They can report a debt to credit bureaus, which can lower your score. You have the right to dispute inaccuracies.

What should I do if I'm not sure I owe NCC Business Services a debt?

Request a debt validation letter within 30 days of first contact. It must include the creditor’s name, amount, and your rights. If they can’t validate, you don’t owe and they must stop collection.

Are robocalls from NCC Business Services legal?

Not without your prior consent. Unsolicited robocalls—especially automated or prerecorded—may violate the TCPA in addition to FDCPA rules.

What steps can I take if NCC Business Services reports inaccurate information to the credit bureaus?

You can file disputes with each credit reporting agency, attaching any validation or evidence. If the information is incorrect, the bureau must investigate and correct it.

NCC Business Services Debt Harassment?

Are debt collectors contacting your family, friends, or co-workers about debts you supposedly owe?
Is a debt collector demanding payment without providing proof that the debt is valid?
If so, we’ll take immediate action to stop the harassing calls!
You could be eligible for up to $1,000 in statutory damages.
Remember, you won’t be responsible for any legal fees.

Free Case Review, you will never be charged legal fees. We will respond within 15 minutes via text or email.

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NCC Business Services Debt Collection Harassment? Stop the Calls!

Are you tired of NCC Business Services Debt Collection Harassment? Do you wish there was a way to make them stop? If NCC Business Services constantly calls and harasses you, or they call your relatives unnecessarily, they are overstepping their boundaries and they need to be stopped. Furthermore, if they are demanding payment from you for a debt you owe, they do not have to go about it in an aggressive way. NCC Business Services debt collection process does not have to be a threat to your peace of mind. You can stop NCC Business Services phone harassment.

Debt collectors may attempt to reach you through persistent efforts, including multiple calls or messages, in order to collect a debt. Being contacted repeatedly by NCC Business Services can be a sign of harassment, and consumers should be vigilant when receiving calls from numbers associated with NCC Business Services, as this can indicate collection harassment.

The Fair Debt Collection Practices Act, also known as the FDCPA, protects consumers’ rights in the context of debt collection. In other words, NCC Business Services debt collection must align with the set of rules laid down by the FDCPA for debt collectors who are pursuing consumers who owe money. The FDCPA also prohibits debt collectors from using false representation, such as making misleading statements about the amount, nature, or legal status of a debt. If NCC Business Services debt collection violates the FDCPA, you can sue them in court. The law allows consumers who have been victims of harassment from debt collectors to get the calls to stop in addition to recover statutory damages of up to $1,000, plus attorney fees and court costs.

Things that NCC Business Services should not do to you

Knowing the exact things debt collectors are not allowed to do to you will help you easily identify and spot a case of NCC Business Services phone harassment or any other form of harassment early. This will help you take appropriate action on time.

Debt collectors should not call your relatives and tell them about your debt.
Debt collectors cannot call you anytime they want. According to the FDCPA, any call outside of the hours of 8 am to 9 pm (except in cases where you have told them to call you outside the recommended hours) is NCC Business Services phone harassment.
Debt collectors should not call you with the intention of annoying or harassing you.
When you send a cease and desist letter to NCC Business Services, all forms of contact should cease immediately.
Debt collectors must inform you of your right to restrict communications, especially regarding your work environment.
Debt collectors should not lie to you or bully you in any way. A debt collector may tell you that you will be arrested or jailed if you fail to pay. The first thing wrong with this is that you can’t be arrested simply for being unable to pay a debt. Debts are a civil matter, not a criminal one. The debt collector may go as far as impersonating a police officer or an FBI agent. But law enforcement agents do not collect debts. The debt collector may poise as a law enforcement agent and claim that a felony has been committed or a warrant has been issued. It is important to know that you can not be arrested simply because you did not pay a debt. If someone calls you and claims to be an officer of the law, ask for their name, agency, and badge number.
Debt collectors should not mount pressure on you for a debt that is or isn’t yours.
Debt collectors should not threaten to send you to jail.

Is NCC Business Services a scam?

According to the Better Business Bureau website, NCC Business Services has been in business since 1986. America NCC Business Services is a debt collection agency with a long history and is frequently scrutinized under the Fair Debt Collection Practices Act (FDCPA) for its collection practices. There have been 185 complaints closed in the last 3 years and 56 complaints closed out in the last 12 months. Read more about it here: NCC Business Services Better Business Bureau

Who is NCC Business Services?

NCC Business Services is a third-party debt collector located in Jacksonville, Florida. The company offers recovery services, debt collection services, and consulting services to clients within the United States.

Contact Information

Address: 9428 Baymeadows Rd Ste 200 Jacksonville, FL 32256-7912 Phone: (888) 880-6020 Fax: (904) 733-2777.

NCC Business Services Phone Numbers

Are you receiving any harassing phone calls from any of these numbers?

888-880-6020, 502-493-5008, 571-499-4407, 703-245-1954, 703-813-1426, 866-227-9324, 877-301-7021, 888-880-6022, 904-733-3033, 703-245-1934,

NCC Business Services may use a variety of telephone numbers to contact consumers, so it is important to recognize these telephone numbers when dealing with potential harassment.

If so, you may be a victim of NCCBusiness Services debt collection harassment. Do not hesitate to reach out to us for help by calling 877-700-5790 if you are being harassed or coerced into paying off your delinquent debt.

Credit Report and Debt Collection

When it comes to debt collection, NCC Business Services, as a collection agency, has the ability to report outstanding debts to credit bureaus. This action can have a significant impact on your credit report, potentially lowering your credit score and affecting your ability to secure loans, credit cards, or even housing. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors like NCC Business Services are required to follow strict guidelines to ensure that all information they report to credit reporting agencies is accurate and not misleading.

If you notice that NCC Business Services has reported a debt to your credit report, it’s crucial to verify the legitimacy of the alleged debt. Consumers have the right to dispute any errors or inaccuracies with the credit bureaus. By contacting the credit reporting agencies directly, you can initiate an investigation into the debt. The credit bureau will then reach out to NCC Business Services to confirm the details. If the debt cannot be verified or is found to be incorrect, it must be removed from your credit report, protecting your financial reputation.

Regularly monitoring your credit report is one of the best ways to catch any unauthorized or inaccurate entries from NCC Business Services or any other debt collector. If you find something suspicious, act quickly by filing a dispute and keeping detailed records of all communications, including phone calls, letters, and payment receipts. This documentation can be invaluable if you need to escalate your complaint or seek legal assistance.

In cases where NCC Business Services engages in debt collection harassment, such as repeated phone calls, misleading representations, or other unfair debt collection practices, you may be entitled to statutory damages, attorney fees, and other compensation under federal law. A law firm experienced in debt collection harassment can guide you through the process of filing a complaint, pursuing legal action, and recovering damages.

The Better Business Bureau (BBB) is another valuable resource for consumers dealing with NCC Business Services. You can check the company’s rating, read consumer reviews, and file a complaint if you believe your rights have been violated. The BBB and other consumer protection agencies can offer guidance on how to handle collection harassment and ensure that NCC Business Services is held accountable for any violations.

NCC Business Services operates as a nationwide credit corporation, collecting debts for a variety of clients, including banks, credit unions, and healthcare providers across America. However, the company must always comply with federal law and respect your consumer rights. If you believe NCC Business Services is attempting to collect a debt without proper verification, or if you suspect a scam, you have the right to send a desist letter demanding that the company cease all contact. If the harassment continues, legal action may be necessary to stop NCC Business Services and determine the validity of the debt.

Remember, you are not alone in dealing with debt collection practices. By understanding your rights, keeping thorough records, and seeking assistance from a reputable law firm or the Better Business Bureau, you can protect yourself from debt collector harassment and ensure fair treatment by NCC Business Services. If your rights have been violated, you may be entitled to money damages, including statutory damages and attorney fees, helping you recover from the stress and impact of unfair debt collection practices.

Common Questions:

Is NCC Business Services a scam? No, NCC Business Services has been in business since 1986.

Can NCC Business Services seize my property? NCC Business Services can’t seize your property, but there are some exceptions. If the debt was tied to the property the collector may be able to repossess it. Or, if the collector has sued and obtained a judgment against you, the debt collector may be able to take certain property as permitted by the court.

Can NCC Business Services sue me? Yes, NCC Business Services can sue you so long as the debt is within the statute of limitations. If a debt remains unpaid, legal action may result in wage garnishment or other consequences, and paying the debt can help you avoid these outcomes.

Can NCC Business Services report my debt to the collections bureaus?

Can NCC Business Services 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 NCC Business Services and can be found on Pacer.org.

8:19-cv-00576-PSG-PJW Mohamed Elhendi v. NCC Business Services, Inc. et al

3:19-cv-00303-TJC-JRK Peacock v. NCC Business Services, Inc. et al

2:18-cv-00222-KHR Petzold et al v. NCC Business Services Inc

2:18-cv-04183-JAT McCarthy v. NCC Business Services Incorporated et al

8:18-cv-02659-VMC-JSS Nobles v. NCC Business Services, Inc. et al

When communicating with debt collectors or disputing a debt, it is important to send your correspondence via certified mail to ensure you have official documentation for legal disputes.

CONSUMER RIGHTS LAW FIRM, PLLC

is a law firm that specializes in helping clients who are facing harassment from debt collectors. Our team is determined to assist clients in stopping debt collection harassment and navigating legal procedures. 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 NCC Business Services. 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.

Check out the links below for more information:

Florida Attorney General

Attorney Derek DePetrillo

Attorney Derek DePetrillo graduated from the Massachusetts School of Law in 2007 and was admitted to practice law in the State of Massachusetts in 2007. Mr. DePetrillo is also licensed in many federal jurisdictions across the United States.

Mr. DePetrillo has been assisting consumers with consumer protection since 2010. Mr. DePetrillo’s main area of practice is under the Fair Debt Collection Practices Act, the Telephone Consumer Protection Act, and the Fair Credit Reporting Act. Mr. DePetrillo has filed countless lawsuits and arbitration claims against debt collectors and banks. Mr. DePetrillo fights for the little people who have had their rights violated and need a helping hand to guide them through the stressful times of debt collection.