ByHow to Stop NCA Debt Collectors in 3 Steps
There are a lot of debt collection agencies. Some work in one small region of the county. Others, such as the will take on collections for or from anyone across the country.
Debt collectors can be fearless with their approaches to collecting a debt. What you need to know is there is help available. The Fair Debt Collections Practices Act (FDCPA) and rules within your state can help to limit their sometimes-ruthless harassment. And DoNotPay can stop some debt collectors in their tracks.
What Is NCA Debt Collectors?
NCA started purchasing and servicing delinquent accounts in 2002, according to its website. It claims to "bring integrity and the highest standards of compliance to debt servicing." While that may be true, their agents may still harass you.
The company also claims to be a leader in the industry, which could mean that it is good at collecting debt. But that doesn't mean you can't negotiate or stop them altogether.
The company is licensed in South Carolina, although its mailing address is in Hutchinson, Kansas.
It is certified by the Receivables Management Association but is not accredited by the Better Business Bureau. There are, however, five one-star reviews by customers.
- One complaint was about how rude the agent was.
- Others complained about the company dinging people's credit reports seemingly without reason.
You can contact NCA through this information:
| Company | National Credit adjusters |
| Mailing Address | PO Box 3023 Hutchinson, KS 67504 |
| Phone Number | (888) 768-0674 |
| Email or Contact Form | Email Address |
| Fax | (620) 664-5947 |
Dealing With NCA Debt Collectors
Learning how to cope or deal with debt collectors is difficult for anyone.
Do It in Writing
One important thing to remember is that with or any debt collector you should refuse to talk over the phone. Instead, communicate through writing either via e-mail or the traditional mail service.
Some facts you need to know or verify could include:
- Complete contact information for NCA including the name of the agent who contacted you
- The source of the original debt
- The date of the original debt and when it was sent to collections
- The original debt amount along with interest and collection costs when applicable
- Confirmation that you are the debtor by having the debt company verify your name, address, and social security number
NOTE: Do NOT provide any identifying information to them.
Was the Original Debt Legitimate?
If you do not recognize the original creditor and/or if you have been falsely identified as the individual owing the debt, you will need to write a dispute letter.
You Can Fight Debt Collection Even if You Owe
But even if you do recognize the original creditor as legitimate, you may be able to negotiate a settlement. You can try to deal with on your own, but there is an easier and less abrasive way. Use DoNotPay.
Can NCA Debt Collectors Harass You Forever?
No. Each state has its statute of limitations on how long creditors can hound a person for debt payment. Some states limit collections to only three years, while others such as Pennsylvania, allow debt collectors to pursue you for up to 10 years.
Good grief! Ten years? DoNotPay to the rescue!
Have DoNotPay Write Your Dispute Letter or Negotiate with NCA Debt Collectors for You
In just a few simple steps, DoNotPay can write your dispute letter or enter negotiations for you. It will save you a lot of time and mental anguish. Here's all you need to do:
- Search “debt collection” on DoNotPay.
- Answer a series of questions about the debt collectors, including when you were contacted and how you were contacted, so we can determine if they have violated any debt collection laws.
- Decide which course of action you want to take based on our guidance, such as filing a debt verification request, demanding for the collectors to stop contacting you, or reporting them to the CFPB.
You're done! It is so easy! DoNotPay will file your dispute letter or mail your request. You can also file a complaint to the Consumer Financial Protection Bureau if you feel NCA debt collectors are practicing unfair or shady debt collection practices.
What if the NCA Debt Collector Threatens to Take You to Court?
A creditor or collection agency has the right to sue for a legitimate claim. But chances are unless the debt is high, above $5,000, they won't.
Still, if you receive a notice to appear in small claims court or civil court, you should do so. A failure to appear will likely go in the debt collector's favor and the court may allow the company to levy funds from your bank account or garnish your wages.
Note, however, any government-issued stimulus check is off-limits. NCA nor any other debt collector can touch your stimulus funds.
DoNotPay Will Help With Any Form of Collections and Help Your Credit
If you are worried about other debt cropping up, DoNotPay isn't limited to just . DoNotPay can help you negotiate with any debt collectors including ERC debt collectors and any medical debt collections. DoNotPay Will Help With Any Form of Collections and Help Your Credit
DoNotPay can also help your credit rating by cleaning up your credit report and applying for a credit line increase with one of your accounts.
Do You Have Other Needs DoNotPay Can Help With?
Oh, yes you do! DoNotPay can help with so many small and not-so-small everyday tasks such as:
- Helping with the chore of paying the bills
- Dealing with identity theft
- Filling an insurance claim following an accident
- Getting free trials without being charged
Honestly, the possibilities of ways DoNotPay can help you are endless and all for one low monthly fee. The DoNotPay app will reduce your professional and legal expenses saving you tons of money. Check out the DoNotPay app now.