Who is NCSPlus Incorporated?
NCSPlus Incorporated is a debt collection agency based in New York, New York. They are involved in the recovery of unpaid debts, often purchased from original creditors or other financial institutions.
If you see NCSPlus on your credit report, it signifies that you have a delinquent debt that the agency is trying to collect.
Who does NCSPlus collect for?
NCSPlus collects on delinquent accounts for over 25,000 companies, institutions, and medical practices in the U.S.
The specific clients that NCSPlus serves are not specified but considering the extensive number of companies they serve, it could be from various industries including healthcare, utilities, retail, and more.
Is NCSPlus legit or a scam?
NCSPlus Incorporated is a legitimate company. However, like many debt collectors, they may employ persistent methods to attempt to collect the debt, including repeated phone calls, text messages, and emails.
How can I remove NCSPlus from my credit report?
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.)
Ready to Raise Your Credit Score?
Some clients have raised their credit scores
by 100 points* or more.
Lexington Law is a professional credit repair law firm that works with people who want to fix their credit.
In addition to collections, they 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.
Get started on the path to better credit today: Fill out the form for a free credit consultation.
NCSPlus, Inc. Contact Information
Address:
NCSPlus, Inc.
117 East 24th Street 5th Floor
New York, NY 10010-2937
Phone number: (800) 363-7215
Should I contact or pay NCSPlus, Inc.?
It’s best to avoid speaking to a collection agency 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. However, sometimes it’s better just to pay the collection account, especially if it’s new, and you’re certain that it’s legit.
The most effective way to deal with NCSPlus is to work with a credit repair professional. They help remove millions of negative items every year from companies like NCSPlus on behalf of their clients.
Will NCSPlus, Inc. sue me or garnish my wages?
NCSPlus, Inc. does have the legal right to sue for unpaid debts. If the agency chooses to sue and the court rules in their favor, they might be awarded a judgment that can potentially lead to wage garnishment, a lien on your property, or a levy on your bank account.
However, suing for unpaid debts is usually a last resort for most collection agencies. It’s a lengthy and expensive process and there’s no guarantee they will recover the full amount, even if they win the case.
NCSPlus, 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 NCSPlus Incorporated
Debt collectors must abide by state and federal laws in the United States. For example, the Fair Debt Collection Practices Act prohibits a debt collector from using abusive, unfair, or deceptive practices. In addition, the FDCPA 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 NCSPlus 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.
- NCSPlus may not threaten or harass you, call you repeatedly, swear at you, or publicly publish a list of debtors.
- NCSPlus 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.
- NCSPlus cannot threaten to have you arrested or imprisoned over unpaid debts.
Remove NCSPlus From Your Credit Report Today!
Lexington Law can assist you in disputing NCSPlus collection accounts. With more than 18 years of experience, they achieved over 6 million removals for their clients in 2021 alone.
If you’re tired of dealing with debt collectors and want to improve your credit, consider working with a trusted credit repair company.
They have helped many people in your situation. Fill out the form on their website for a free credit consultation to see what they can do for you.
Ready to Repair Your Credit?
Some clients have raised their credit scores
by 100 points* or more.
