How to Protect Yourself Against National Enterprise Systems (NES) Debt Collectors

In the United States, about 28% of people with a credit file have their debt collected by a third-party debt collector. Some of these third-party services are not creditable, and they may not abide by the law when collecting their debts. In the Federal Trade Commission's (FTC) database of consumer complaints, complaints have increased in recent years. Similarly, these complaints are also leading and on the rise in the Consumer Financial Protection Bureau (CFPB) database.

Many consumer complaints have been made against National Enterprise Systems (NES), alleging that the agency has infringed the Fair Debt Collection Practices Act (FDCPA). Such complaints include unethical conduct, improper sharing of personal information, and threatening to take measures they legally can't. DoNotPay is the best platform when it comes to dealing with such companies. Read through the article to find out how it can help stop debt collectors from harassing you.

What is National Enterprise Systems (NES)?

National Enterprise Systems is a legitimate debt collection agency in Ohio. It works with consumers and business corporations across the United States to resolve outstanding debt balances. The different companies that use National Enterprise Systems services include:

• Government Agencies
• Automotive industry
• Universities and Colleges
• Financial and banking services
• Retail

Here is their contact information:

Your Rights When Dealing with National Enterprise Systems

The Fair Debt Collection Practices Act (FDCPA) protects people from deceptive, unjust, and abusive debt collection practices. If you feel pressured that NES is constantly contacting you for payments, you should understand that you have more power than you know. Getting to know and understand your rights can help if you find yourself in this situation. Here are six things to know about your rights when dealing with a debt collection agency such as NES:

• You have a right to receive a letter explaining your debt in detail- The FDCPA articulates that the debt collector should explain your debt in detail within the first five days of contacting you. These details include the amount of debt and the name and address of the creditor.
• You have a right not to be harassed- The FDCPA states that debt collectors have no right to use abusive and harassing language as well as threaten you to take action that is not legal.
• Right to privacy of your personal information- Collection debt agencies don't have a right to inform the details of your debt to friends and family.
• Right to dispute inaccurate debt- If you find yourself being contacted for a debt you believe is incorrect, you have up to 30 days to write a letter to the agency that disputes the debt.
• Debt collection agencies are also not allowed to call you at unusual times or places.
• Debt collectors should also respect requests to cease calling people regarding their debts.

How to Deal with National Enterprise Systems on Your Own

If National Enterprise Systems have contacted you regarding some dues, you may respond in the following process:

1. Read through the validation letter and confirm whether the amount you owe, the creditor, what the debt was for and the collector's identity make sense to you.
2. If you believe the debt is not yours, you have up to 30 days to dispute it by filing a debt verification request. In case the statute of limitations of the debt is close to its expiry, it would be best if you wait it out.
3. Once you have confirmed that the debt is indeed yours, then you have a few options:

• Settle the debt in full
• Ask the debt collector to stop calling you. You have a right to do so. However, the debt collector may escalate the situation by filing for legal action against you.
• If you believe they have violated the FDCPA, you can report them to the FTC and CFPB.

How to Deal with National Enterprise Systems with The Help of DoNotPay

Dealing with debt collection agencies such as NES on your own can at times prove to be a hassle. You may be required to go through a long, tedious, and time-consuming process. With DoNotPay, this process becomes super easy.

Here's how it works:

1. Search “debt collection” on DoNotPay.

2. 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.

3. 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.

And that’s it! Once you choose the course of action you want to take, DoNotPay will handle the rest. We’ll deliver your request directly to the debt collectors via first-class mail, or file your complaint automatically with the CFPB so that they’re no longer able to use unfair debt collection practices.

You can also check out our other credit products, including Credit Limit Increase and Clean Credit Report!

Why Use Donotpay to Help You Deal with National Enterprise Systems Debt Collectors

You don’t have to endure harassment from National Enterprise Systems debt collectors. DoNotPay is the best choice to protect your rights because we are:

• It is Fast- You don't have to spend hours trying to solve the issue.
• It is Easy- You don't have to struggle to fill out tedious forms or keep track of all the steps involved in solving your problem.
• It is Successful- You can rest assured knowing we'll make the best case for you.

What Else Can DoNotPay Do?

Not only can we stop debt collectors from hounding you, but we also have a host of other products which may help you:

• Cancel subscriptions or services
• Write financial aid appeal letters
• Get help with your bills
• Claim that missing money

Conclusion

Why wait? Use DoNotPay today and let us help you deal with third-party debt collectors such as NES.