Many people wake up wondering how they are going to get through their way without being shouted at, deceived, or otherwise abused by a debt collector. If you have reached this point, the collection agency has gone too far.
Learn more about the rights that you have under the law, which include the right to make them stop.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, was passed in 1977 to prevent third-party debt collectors from hounding consumers into bankruptcy. This important piece of legislation gives you the right to demand that the debt collector stop calling you and sue them if they don’t comply.
- Yelling at you over the phone and making threats
- Trying to collect more than you legally owe
- Threatening to garnish your wages when they have not gotten a court order
- Leaving misleading voice messages that conceal their purpose
- Chasing you for a debt discharged in an earlier bankruptcy
- Threatening to destroy your credit
Company Profile: National Credit Services, Inc.
If you are being called by National Credit Services, Inc., a detailed overview of the company’s management and operations are below.
National Credit Services, Inc., which also does business as Northland Credit Control and NCC, is a debt collection agency located in Minneapolis, Minnesota with a branch office in Iowa. It opened for business in 1955, has fewer than 10 employees, and is managed by its President, Igor Furman.
Litigation files archived at the PACER website reveals that consumers who felt that they were being harassed by National Credit Services, Inc. refused to be intimidated into paying.
Alleged Violations against National Credit Services, Inc.
According to PACER, on or around August 5, 2009, National Credit Services, Inc. allegedly called a Minnesota consumer to collect an education-related debt. He alleged that the collector contacted him at work and demanded immediate payment of the debt.
When the consumer responded that he could not take such calls at work, the collector was allegedly rude and abrasive and accused him of lying. The collector also allegedly declared that he was out of patience and “done” with the consumer.
Then he demanded the consumer’s new home phone number and, when it wasn’t forthcoming, allegedly said that he was going to have the sheriff show up at the consumer’s workplace and embarrass him there.
Feeling harassed by National Credit Services, Inc., the consumer reacted by suing the company for the following FDCPA violations:
- Calling the consumer at work
- Using unfair and unconscionable means to collect a debt
- Using false, deceptive, and misleading means to collect a debt
- Using harassing and abusive means to collect a debt
- Threatening to take legal action, without actually intending to do so
The matter was later settled.
Hire a Consumer Lawyer
The phone numbers for National Credit Services, Inc. are:
Their presence on your caller ID is an indicator that National Credit Services, Inc. is trying to contact you about a debt it is trying to collect from you. If they verbally abuse you and threaten legal consequences if you don’t pay, hire a consumer lawyer and file a claim against National Credit Services, Inc.
Their actions are illegal under the FDCPA and you could be awarded $1,000 per violation plus legal costs. You have everything to gain by fighting back.
Case taken from PACER (pacer.gov). File number is CASE 0:10-cv-00427-RHK-AJB from the United States District Court for the District of Minnesota.
*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 Services, Inc., or any other third-party collection agency, you may not be entitled to any compensation.