Who is NCB Management Services?
NCB Management Services, Inc. is a debt collection agency and debt buyer based in Trevose, Pennsylvania. The company purchases debt portfolios typically from banks, credit card companies, and other lenders, often for cents on the dollar.
If you find NCB Management Services listed on your credit report, it usually indicates an unpaid debt that the company has either been tasked to collect or has purchased.
Who does NCB Management Services collect for?
NCB Management Services specializes in purchasing and collecting unsecured consumer debt. This encompasses debt categories such as credit cards, personal loans, and auto loans.
Is NCB Management Services legit or a scam?
NCB Management Services, Inc. is a legitimate company. They are authorized to collect debts on behalf of their clients. However, it’s important to verify any debts they claim you owe before making any payments.
How can I remove NCB Management Services from my credit report?
NCB Management 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.)
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NCB Management Services, Inc. Contact Information
NCB Management Services, Inc.
One Allied Drive
Trevose, PA 19053
Phone number: (800) 828-1110
Should I contact or pay NCB Management Services?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Sometimes, credit reports contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock. As a result, it could harm your credit rather than improve it.
The most effective way to deal with NCB Management Services is to work with a credit repair professional. They help remove millions of negative items every year from companies like NCB Management on behalf of their clients.
Will NCB Management Services sue me or garnish my wages?
NCB Management Services has the legal right to sue you in court if you refuse or fail to pay a legitimate debt. If they win the lawsuit and obtain a judgment against you, depending on the laws in your state, they may be allowed to garnish your wages or levy your bank account to recover the debt.
However, taking legal action is typically a last resort for most debt collectors due to the time, effort, and cost it requires. Most debt collectors prefer to establish a payment plan or reach a settlement.
NCB Management Services, Inc. Complaints
Most 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 a debt collector is harassing you, you may want to consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include the ability to dispute credit reporting errors and to be treated fairly and respectfully by debt collectors.
Your Rights When Dealing with NCB Management Services, Inc.
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a collection agency from using abusive, unfair, or deceptive practices. In addition, it provides you with many rights to ensure that collection agencies don’t take advantage of you. In particular:
- It is a violation of federal law for NCB Management Services to report inaccurate or incomplete information about you.
- 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.
- NCB Management Services may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- NCB Management Services must be honest about who they are and what they are attempting to do. They must notify you that they are a debt collection agency both orally and in writing.
- NCB Management Services cannot threaten to have you arrested or imprisoned over unpaid debts.
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Credit Saint can assist you in disputing NCB Management Services collection accounts. With years of experience at their disposal, these professionals have a proven track record of effectively removing incorrect entries for countless clients.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
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