Judging from the headlines, abuse by debt collectors is at an all-time high. More and more consumers are being threatened and chased for debts they don’t owe or are legally uncollectible, or are over-inflated by illegal collection charges.
Not all of them know that they have rights that prohibit such mistreatment.
Your Rights Under the FDCPA
The Fair Debt Collection Practices Act, or FDCPA, protects consumers from being deceived, abused, or otherwise mistreated by third-party debt collectors. Any agency that uses tactics like those below to make you pay can be closed down.
- Using profane or obscene language
- Contacting you directly even after you’ve hired an attorney
- Leaving voice messages that do not identify the collector and the reason for their call
- Misleading you on your dispute rights
- Calling you outside of the hours of 8:00 a.m. – 9:00 p.m.
- Reporting inaccurate information to the credit bureaus
Company Profile: NCSPlus, Inc.
If you are being called by NCSPlus, Inc., more information about the agency is below.
NCSPlus, Inc. is a debt collection agency located in New York, New York. It was founded in 2015, has 43 employees, and is managed by its President and CEO, Christopher Rehkow.
Court files viewable at the PACER website suggests that consumers who felt that they were being harassed by NCSPlus, Inc. acted on their right to sue.
Alleged Violations against NCSPlus, Inc.
According to PACER, on or around 2011, NCSPlus, Inc. allegedly entered into a payment agreement with a New York consumer. The consumer claimed that he paid the entire debt under the terms of the arrangement but the agency continued to report the debt as delinquent to the credit bureaus.
He also said that the debt collectors did not always identify themselves properly on the phone and that on one occasion, they threatened to sue him.
Feeling harassed by NCSPlus, Inc., the consumer sued the agency for allegedly violating: his rights by:
- Threatening legal action that could not be taken
- Harassing him by phone
- Using false, deceptive, and misleading means to collect a debt
- Failing to identify themselves as debt collectors in all communications
The matter was later dismissed
Hire a Consumer Lawyer
The phone numbers for NCSPlus, Inc. are:
Their presence on your caller ID is a warning that you are being called by NCSPlus, Inc. If you pay off the debt and they don’t update the credit bureaus accordingly or they issue threats to sue you, don’t be intimidated. Hire a consumer lawyer and file a claim against NCSPlus, Inc.
If you win your case, you could be awarded $1,000 per violation, so taking action can be the best way to resolve the matter.
Case taken from PACER (pacer.gov). File number is Case 1:11-cv-02788-VM from the United States District Court for the Southern District of New York.
*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 NCSPlus, Inc., or any other third-party collection agency, you may not be entitled to any compensation.