Who is National Credit Adjusters?
National Credit Adjusters, LLC (NCA) is a debt collection agency located in Hutchinson, Kansas. NCA has been purchasing and servicing delinquent debt since 2001.
You may see National Credit Adjusters listed on your credit report as a collections account. This can happen if you didn’t pay a bill.
Who does National Credit Adjusters collect for?
National Credit Adjusters collects consumer loans and debts for auto loan lenders, credit card companies, and other financial companies.
Is National Credit Adjusters legit or a scam?
National Credit Adjusters is a legitimate company. However, they may repeatedly spam call, text, or email you.
How can I remove National Credit Adjusters from my credit report?
NCA collections can hurt your credit score and remain on your credit report for up to seven years regardless of whether you pay it or not. Unfortunately, paying the collection could even lower your credit score.
However, it is possible to remove a collection account from your credit history before seven years.
(While debt collectors may not want this information to be widely known, it’s your right to be informed.)
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, Lexington Law can work with you to challenge other inaccurate, unfair, or unsubstantiated information on your credit report. These items include inquiries, late payments, charge-offs, foreclosures, repossessions, bankruptcies, and more.
Call Lexington Law now to learn more: (800) 220-0084
National Credit Adjusters (NCA) Contact Information
National Credit Adjusters, LLC
327 W 4th Ave
Hutchinson, KS 67501
Phone number: (888) 768-0674
Should I contact or pay National Credit Adjusters?
It’s best to avoid speaking to a debt collection company on the phone. And making payments on the debt will reset the clock. As a result, it could harm your credit rather than improve it. Of course, there are times when it’s best to negotiate a debt settlement, especially if it’s new and you’re sure that it’s legit.
The most effective way to deal with National Credit Adjusters is to work with a credit repair professional. They help remove millions of negative items every year from companies like National Credit Adjusters on behalf of their clients.
And they may be able to help you too.
Will National Credit Adjusters sue me or garnish my wages?
It’s possible that National Credit Adjusters will resort to litigation when attempting to collect a debt, but if you work with a law firm like Lexington Law, you have nothing to worry about.
They will help you dispute the National Credit Adjusters debt with the credit bureaus and possibly get it removed from your credit report. It’s also quite possible that you will never hear from or have to deal with National Credit Adjusters again.
Call Lexington Law to learn how they can help you.
Some states allow wage garnishment, while others do not. If you are in a state that does not allow wage garnishment, it is illegal for a debt collector to threaten to garnish your wages.
It is also illegal for National Credit Adjusters to make any claims they cannot or will not follow through on. This includes threatening to sue you or foreclose on your home.
Is National Credit Adjusters hurting my credit score?
Any derogatory item on your credit report, including a collections account, may harm your credit score.
Debt collectors often buy and sell debt from one another. This can lead to multiple collections on your credit report for the same account.
If you don’t dispute each account with the credit bureaus and get them removed, they can damage your credit score.
National Credit Adjusters, LLC Complaints
Most debt collection agencies have numerous complaints filed against them with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most consumer complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you find yourself facing any of these situations with National Credit Adjusters, you should also consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). Lexington Law knows that you have rights, and National Credit Adjusters does too.
Your Rights When Dealing with National Credit Adjusters, LLC
There are strict regulations about what debt collection agencies can and cannot do in the United States. For example, the Fair Debt Collection Practices Act prevents the use of abusive or deceptive tactics to collect a debt. In addition, the FDCPA provides you with many rights to ensure that debt collection companies don’t take advantage of you. In particular:
- It is a violation of federal law for National Credit Adjusters to report inaccurate or incomplete information on your credit report.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. By law, they have 30 days to prove to you that the debt is really yours and the total amount is accurate.
- National Credit Adjusters may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- National Credit Adjusters must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection company both orally and in writing.
- National Credit Adjusters cannot threaten to have you arrested or imprisoned over unpaid debts.
Avoid the phone. Never talk to a debt collector on the phone. The less they know about you, the better.
Politely tell National Credit Adjusters it’s your policy to deal with everything in writing. Ask for a letter with details about the original debt, then hang up. If they keep calling, send them a cease and desist letter.
Record their phone calls. If you must deal with a debt collection agency on the phone, record them. Thirty-five states and the District of Columbia allow you to record your phone conversations secretly.
In the other 15 states, you can record with the other party’s permission. If you tell the debt collector you intend to record, and they keep talking, consider it permission. They will usually hang up.
Don’t believe what they say. Debt collectors are known to make false threats, lie, and tell you whatever they need to tell you to get you to pay the debt.
Don’t attempt to hide money. Hiding money or assets from a legitimate debt collection company is illegal if you owe them. However, bank account and credit card information should be kept private.
Don’t ignore them. You can do things on your terms, but ignoring the situation will not make National Credit Adjusters go away. Ignoring them sets you up for a possible lawsuit.
Know Your State’s Statute of Limitations. Each state has a statute of limitations on debt. Once your debt reaches a certain age, it is considered “zombie debt,” and you are no longer legally obligated to pay it. The age limit varies from state to state, but it’s typically around 4-6 years.
A collection agency is still allowed to contact you about these debts, but they can no longer sue you for them, and you are not required to pay them.
Remove National Credit Adjusters From Your Credit Report Today!
Lexington Law can assist you in disputing National Credit Adjusters collection accounts. They have over 18 years of experience and their clients saw over 6 million removals on their clients in 2021 alone.
If you’re looking for a reputable company to assist you with inaccurate collection accounts and repair your credit, consider working with Lexington Law.
They have helped many people in your situation. Give them a call at (800) 220-0084 for a free credit consultation to see what they can do for you.
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