Debt collection companies, like National Credit Adjusters, LLC, cannot harass you over a debt. You have rights under the law. We will stop the harassment once and for all.
THE BEST PART IS…
If violated the law, you will get money damages and will pay our fees and costs. You will not pay us a penny for our time. Plus, some of our clients also receive debt relief and cleaned up credit reports. You have nothing to lose! Call us today at 888-572-0176 for a free consultation.
Who is National Credit Adjusters?
National Credit Adjusters is a third-party collection agency, headquartered in Hutchinson, KS, and started its business locally in about 2001.
National Credit Adjusters is a limited liability company.
According to the Better Business Bureau (“BBB”), started its business in 1959. The BBB also lists alternate business names, such as International Homes (affiliated business), NCA, 4 Sum Inc., and maybe operated under a different business name when it started in 1959.
It appears that collects on debts owed to third parties. Unlike some collection agencies, NCA does not appear to be a junk-debt buyer. For example, some collection agencies buy debt for pennies on the dollar, and then collect on it. Based on what we know, NCA does not buy debt—it simply collects on it on behalf of third parties. NCA collects on various debts.
We’ve helped a lot of consumers deal with when NCA is collecting on payday loans. For example, here are the names of some popular payday loan companies:
CashNetUSA
Check Into Cash
Speedy Cash
TitleMax
LoanMart
Finova Financial
TMG Loan Processing
Ace Cash Express
Advance America Cash Advance
One Click Cash
Mobiloans
According to the Consumer Financial Protection Bureau, “[w]hile there is no set definition of a payday loan, it is usually a short-term, high cost loan, generally for $500 or less, that is typically due on your next payday. Depending on your state law, payday loans may be available through storefront payday lenders or online.” We have seen work with or for Summit Receivables, which is another third-party debt collector that collects on payday loans.
National Credit Adjusters Address, Phone Number, and Contact Information
National Credit Adjusters is located at:
327 W 4th
P.O. Box 3023
Hutchinson, KS 67504
According to the BBB, NCA is headquartered at 300 N Madison St, Hutchinson, KS 67501-4857.
The main telephone numbers for are 888-768-0674 and 800-268-5427.
Their website is http://www.ncaks.com/
National Credit Adjusters’ fax number is 620-664-5947.
You can also contact NCA at https://ncaks.worldsecuresystems.com/contact.htm If you’re having a hard time getting something in writing from NCA, let us know and we’ll contact them for you.
Phone Numbers Used By National Credit Adjusters
National Credit Adjusters likely has dozens, if not over 100, phone numbers it calls from. Here are a few phone numbers NCA may be calling you from:
- 314-930-3933
- 321-319-3808
- 620-728-0100
- 208-297-7531
- 866-964-5262
- 281-661-8851
- 832-941-1951
- 601-718-1301
- 239-214-2458
- 313-202-9574
- 714-782-0500
- 404-220-7480
National Credit Adjusters Lawsuits
If you want to know just how unhappy consumers are with NCA, take a look at the number of lawsuits filed against on the Public Access to Court Electronic Records (“PACER”). PACER is the federal docket throughout the country that lists federal complaints filed against NCA. When you do a search for , there are over 400 lawsuits filed against NCA. Most of these lawsuits involve consumer rights’ violations.
National Credit Adjusters Harassment
The Fair Debt Collection Practices Act (“FDCPA”) is a federal law that applies to everyone in the United States. In other words, everyone is protected under the FDCPA. The FDCPA is a laundry list of what can and cannot do while collecting a debt, as well as things debt collectors must do while collecting a debt. If NCA is harassing you over a debt, you have rights under the Fair Debt Collection Practices Act.
The Telephone Consumer Protection Act (“TCPA”) protects you from robocalls. Robocalls are those annoying, automated, recorded calls that a computer makes to you all day long. You can tell it’s a robocall because either no one is on the other end of the line or there’s a delay when you pick up the phone before a live person comes on the line. You can get $500 per call if NCA violates the TCPA. Have you received a message from NCA that sounds pre-recorded? Or, maybe the message you received from NCA is cutoff at the beginning or the end? These are tell-tale signs that the message is pre-recorded. If you have these messages on your cell phone, you may have a TCPA case against National Credit Adjusters.
The Electronic Fund Transfer Act (“EFTA”) protects electronic payments that are deducted from bank accounts. If took unauthorized deductions from your bank account, you may have an EFTA claim. NCA, like most collection agencies, wants to set up reoccurring payments from consumers. Imagine how much money NCA gets if hundreds, if not thousands, of consumers electronically pay them $50-$100, or more, per month. If you agreed to this type of reoccurring payment, NCA must follow certain steps to comply with the EFTA. Did NCA continue to take electronic payments after you said stop? Did NCA take more money from your checking account than you agreed to? If so, let’s talk about your rights under the EFTA.
The Fair Credit Reporting Act (“FCRA”) works to ensure that no information reported to your credit report is false. In essence, it gives you the right to dispute those inaccuracies that you find on your credit report. We handled a lot of cases recently where reported debt on a consumer’s credit report. NCA likely reports on credit reports to obtain greater leverage over the consumer. If NCA is on your credit report, they may tell you if you pay the debt, they’ll remove it from your credit report. This is commonly known as pay for delete. You pay NCA, and they delete the debt from your credit report. Even if NCA is not on your credit report, maybe the original creditor is. If you pay off the debt to NCA, then the original creditor, and NCA, should accurately report this on your credit report. For example, if is working with, or on behalf of, Summit Receivables, and you pay either party the full amount, or a settlement in full, this payment should be reflected on your credit report.
Several states also have laws that provide its citizens an additional layer of protection. For example, if you live in California, Texas, Florida, North Carolina, Wisconsin, Michigan, Montana, or Pennsylvania you may be able to tack on a state-law claim with your federal law claim above. North Carolina, for example, has one of the most consumer-friendly statutes in the country. If you live in NC, and you’re harassed over a debt, you may get $500.00 – $4,000.00 in damages per violation. We work with a local counsel in NC. Our NC clients have receive some great results in debt collection harassment cases. If you live in NC, and is harassing you, you have tons of leverage to get a great settlement.
HOW CAN WE USE THE LAW TO HELP YOU?
We will use state and federal laws to immediately stop debt collection. We will send a cease and desist letter to get the harassment to stop the same day. If NCA violates the FDCPA, EFTA, FCRA, or any state laws, you may be entitled to money damages. For example, under the FDCPA, you can get up $1,000.00 in damages plus actual damages. The FDCPA has a fee-shift provision. This means, NCA pays our attorney’s fees and costs. If you have a TCPA case against NCA, we will handle it based on a contingency fee.
THAT’S NOT ALL…
We have helped hundreds of consumers stop NCA phone calls. We know how to stop the harassment and get you money damages. ONCE AGAIN, you will not pay us a penny for our time. We will help you based on a fee-shift provision and/or based on a contingency fee. That means, NCA pays our attorney’s fees and costs.
What If National Credit Adjusters Is On My Credit Report?
Based on our experience, NCA does credit report. That means, NCA will mark your credit report with the debt they are trying to collect on. In addition to , the original creditor may be on your credit report. For example, if you owe Great Plains on a payday loan, and NCA is collecting on it, both Great Plains and NCA may have separate entries on your credit report. This is important because you will want both parties to update your credit report if you pay off the debt.
THE GOOD NEWS IS…
If NCA is on your credit report, we can help you dispute it. Mistakes on your credit report can be very costly. Along with causing you to pay higher interest rates, you may be denied credit, insurance, a rental home, a loan, or even a job because of these mistakes. Some mistakes may include someone else’s information on your credit report, inaccurate public records, stale collection accounts, or maybe you were a victim of identity theft. If you have a mistake on your credit report, there is a process to dispute them. My office will help you pull your credit report and dispute any inaccurate information.
REMEMBER…
If a credit reporting agency violates its obligations under the Fair Credit Reporting Act (“FCRA”), you may be entitled to statutory damages up to $1,000.00, plus the credit reporting agency will be required to fix the error. The FCRA also has a fee-shift provision. This means, the credit reporting agency pays your attorney’s fees and costs. Therefore, you will not pay me a penny for my time. We have helped dozens of consumers fix inaccurate information on their credit reports.
National Credit Adjusters Complaints against
If you’re on this page, chances are you are just like the hundreds of consumers out there being harassed by National Credit Adjusters. The complaints on the Better Business Bureau (“BBB”), various consumer websites, Google Reviews, and even the complaints on this page (below) are endless. NCA is not accredited by the BBB. There are nearly 200 customer complaints on the BBB.Here are some of the many BBB complaints regarding National Credit Adjusters:
- “Calling for an employee who no longer works for the CU. We have asked them multiple times to stop calling. When the phone is answered, there is an immediate hang up. Call is received multiple times a day followed by the hang up.”
- “Wrongfully reporting on my credit reports. I spoke with a rep. at NCA that confirmed they could no longer collect and the debt was paid in full. I called NCA yesterday and was directed to leave a voicemail. This debt was deducted from my dad’s account via debit. There has been more than sufficient time to update this information. Instead the frequent reporting of incorrect debt has hurt my score further.”
- “ are calling me repeatedly for months regarding a past debt that has been paid to them in full.”
- “Attempt to collect invalid debt. Have been notified before not to call me anymore.I have told this organization not to call, the debt is not a valid debt, will not be honored by me. They continue to call me on cell phone and place of business.”
Google Reviews do not get any better for National Credit Adjusters. Out of 22 reviews on Google, NCA has an average of 1.7 stars. Here’s what people on Google have to say about NCA:
- “Extremely rude and the most unprofessional staff I have ever dealt with!”
- “Rude and nasty people will not work with you on your debt.”
- “They have the wrong number, but call my phone several times a day. When I answer, they hang up. If I call back, I can’t get a real person on the phone.”
Cases We Have Handled Against National Credit Adjusters
I THINK YOU’LL AGREE WITH ME WHEN I SAY…
Threats and harassment by collection agencies can be pretty intimidating. Well, it turns out we can stop the harassment, attempt to get you money damages under the law, and the collection agency will have to pay us our fees and costs. Here are some of the cases we’ve handled against NCA:
Randall F. v. National Credit Adjusters, LLC.
In this case, NCA attempted to collect a RISE personal loan from our client. NCA called our client on his cell phone and on his work phone. NCA called 714-782-0500, which is one of NCA’s phone numbers. Our client told NCA to stop calling, but NCA continued to call. Our client also alleged NCA left him voicemail messages that did not have the proper disclosures. Randall alleged that Summit Receivables violated the Fair Debt Collection Practices Act.
Holly O. v. National Credit Adjusters, LLC.
Holly lives in Colorado, and NCA was calling our client on her cell phone. NCA called from 719-281-2699 and 719-281-2681, both of which are numbers belonging to NCA. Our client alleged she told NCA to stop calling. We even sent NCA a cease and desist letter. Despite our client’s efforts, and our cease and desist letter, NCA continued to call Holly in an attempted to collect a debt. We sued NCA in federal court and alleged NCA violated the Fair Debt Collection Practices Act.
Jalesa H. v. National Credit Adjusters, LLC.
Here, NCA was attempting to collect on a debt allegedly owed to Kay Jewelers. NCA called our client from 769-235-2209, and spoke with our client a few times. Each time, our client told NCA the debt had been paid. Our client also told to stop calling. Despite already paying the debt, we alleged NCA continued to call and harass our client. In this case, our client alleged violated the Fair Debt Collection Practices Act.
Here’s What Our Clients Say About Us
Mike Agruss Law, has over 900 outstanding client reviews through Yotpo, an A+ BBB rating, and over 125 five-star reviews on Google. Here’s what some of our clients have to say about us.
“A student loan servicer called me all day long. Mike Agruss Law stopped the calls and got me money. Great job!”
“I was being harassed by debt collectors that were over 10 years old, threatening to take me to court put me in jail on taking money directly from my checking account or savings account. I did a little bit of research online and came up with Mike Agruss Law. He was very helpful and explained everything in detail. If it was not for him I would still be getting the harassing calls. Thank you so much for your help and patience.”
“Awesome team, very quick, always kept in touch to let me know what was going on, and very nice people. I would recommend them anytime.”
Can National Credit Adjusters Sue You?
Although anyone can sue anyone for any reason, we have never seen sue consumers. It’s likely NCA does not sue because they are not a junk-debt buyer. Also, NCA would have to hire a lawyer, or use in-house counsel, to file a lawsuit. It’s likely NCA collects debts through the entire country. Therefore, it would be very difficult to have lawyers, or a law firm, licensed in every state. There are collection agencies that do sue consumers. For example, Portfolio Recovery Associates is one of the largest junk-debt buyers. Portfolio Recovery Associates collects on debt and also sues on debt. So, it would be very unusual if NCA sued you. The original creditor, on the other hand, may hire a collection firm, or lawyer, to sue you. If has threatened to sue you, call us. We can help.
Can National Credit Adjusters Garnish Your Wages?
No, not unless they have a judgment. If has not sued you, then NCA cannot get a judgment. If does not have a judgment, then NCA cannot garnish your wages. Minus limited situations (usually dealing with debts owed to the government for student loans, taxes, etc.), in order to garnish someone’s wages, you need a judgment first. In short, we have not seen file a lawsuit against a consumer. So, NCA cannot garnish your wages, minus the exceptions listed above. If has threatened to garnish your wages, contact our office right away.
National Credit Adjusters Settlement
If you want to settle a debt with National Credit Adjusters, ask yourself these questions first:
- Do I really owe this debt?
- Is this debt within the statute of limitations?
- Is this debt on my credit report?
- If I pay this debt, will remove it from my credit report?
- If I pay this debt, will the original creditor remove it from my credit report?
- If I pay this debt, will I get something in writing from confirming the payment and settlement terms?
These are not the only things to consider when dealing with debt collectors. We are here to help you answer the questions above, and much more. Whether it’s harassment, settlement, pay for delete, or any other legal issue with , the folks at Mike Agruss Law are here to help you.
Share Your Complaints About National Credit Adjusters Below
Post your complaints about NCA. Sharing your complaints about NCA will help other consumers know what to do when NCA starts calling. Sharing your experience may help someone else.
HERE’S THE DEAL!
If you are being harassed by over a debt, you may be entitled to money damages. Get up to $1,000 for harassment, and $500-$1,500 for illegal robocalls. Under various state and federal laws, we will help you based on a fee-shift provision and/or based on a contingency fee. That means, the collector pays your attorney’s fees and costs. You won’t pay us a penny. We have settled thousands of debt collection harassment cases. Let us help you today. Contact Mike Agruss Law at 888-572-0176 to stop the harassment once and for all.
