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By Contributing Author: Sergei Lemberg Updated on

Are You Being Called By National Credit Audit Corporation?

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Thousands of people across the country are struggling with debt. If you are being contacted by collection agencies about overdue obligations, remember that they have to be professional when communicating with you. To intimidate, or deceive you is illegal.

Your Rights Under the FDCPA

The Fair Debt Collection Practices Act, or FDCPA, protects consumers from abusive debt collection practices. Tactics like those below are illegal when used to bully or deceive a consumer into paying a debt.

● Using profane and obscene language
● Calling before 8:00 a.m. and after 9:00 p.m.
● Threatening action they cannot legally take
● Threatening to damage your credit rating
● Demanding amounts that are not supported by law
● Failing to identify themselves as debt collectors

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Company Profile: National Credit Audit Corporation

If you are being called by National Credit Audit Corporation, here are some company details.

National Credit Audit Corporation, which also does business as NCAC and Resident Data, is a collection agency in Dallas, Texas. It was founded in 1998, has fewer than 10 employees, and is managed by Mike Davis. It has an F rating at the Better Business Bureau. Records at the PACER website show that those who felt that they were being harassed by National Credit Audit Corporation chose to take their case to court.

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Alleged Violations against National Credit Audit Corporation*

According to PACER, on or around November 15, 2011, National Credit Audit Corporation called a Colorado consumer to collect a debt. When he called back, he told the agency that he did not believe the debt was his and that he would contact the original creditor. During a subsequent conversation on November 17, the consumer disputed the debt.

When he later called the company to obtain an address and account number in order to send a dispute letter, company employees allegedly refused to provide him with that information. When he finally sent a letter, there was no response, but he allegedly received more calls made by an autodialer.

Feeling harassed by National Credit Audit Corporation, the consumer sued the company for:

● Failing to validate the debt
● Using harassing and unconscionable means to collect a debt

The case was later resolved.

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Hire a Consumer Lawyer

The phone numbers for National Credit Audit Corporation are:

● 1-469-621-0464
● 1-800-779-4894

If you see them on your caller ID at home or work, it means National Credit Audit Corporation is calling you. If they refuse to validate the debt and try to harass you into paying, hire a consumer lawyer and file a claim against National Credit Audit Corporation. You could receive $1,000 per FDCPA violation. Any collection agency can be penalized when they fail to respect your rights.

*Case taken from PACER ( File number is Case 1:12-cv-00142-MSK-KLM from the United States District Court for the District of Colorado.

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Additional Resources

Disclaimer: The content of this article serves only to provide information and should not be constructed as legal advice. If you file a claim against National Credit Audit Corporation or any other third-party collection agency, you may not be entitled to any compensation.

About the author:

Contributing Author: Sergei Lemberg

Sergei Lemberg is a consumer rights attorney, practicing since 2006, whose practice focuses on consumer law, class actions and personal injury litigation. He is known for a United States Supreme Court case (Facebook v. Duguid) defending consumers from autodialers under the Telephone Consumer Protection Act of 1991 to send unsolicited text messages. He is also the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.

See more posts from Contributing Author: Sergei Lemberg
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