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Debt Settlement Letter By Collection Agency
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Debt Settlement Letter to NCB Management Services, Inc.*

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It starts with a letter from a debt collection agency demanding you take care of an outstanding credit card or personal loan balance. Then, daily phone calls from the third party debt collector disrupt your personal and professional lives.

How do you respond to the letter and phone calls? Do you pretend the debt never existed or do you take proactive measures by sending the bill collector a debt settlement letter?

The answer is to be proactive, but most consumers have no idea how to craft a legally binding debt settlement letter. You have to get a debt collection agency such as NCB Management Services, Inc. to agree to your debt settlement terms, which includes the amount of the debt settlement and how you plan to erase the delinquent debt from your credit report.

Consumers must also establish a timeline for third party debt collectors to respond, as well as make sure their credit scores reflect the debt settlement terms. All the legal wrangling requires the services of a licensed consumer protection lawyer.

Why You Should Hire a Lawyer

Facing the debt collection process creates considerable anxiety for consumers. The answer to the stress of dealing with a bill collector like NCB Management Services, Inc. is to work with an experienced consumer protection lawyer.

Writing a compelling debt settlement letter involves avoiding the use of emotionally charged language that goes against the intent of the debt settlement request.

An accomplished consume protection lawyer will decide how much you can afford to pay for taking care of the outstanding debt, as well as determine whether you can afford a lump sum payment or require several months to whittle the debt down to zero.

By hiring a consumer protection lawyer, you also gain every legal protection mandated by the monumental federal law called the Fair Debt Collection Practices Act (FDCPA).

The FDCPA grants consumers the right to dispute alleged debts and file an order that invokes the state statute of limitations for collecting consumer debts. Other legal protections covered by the FDCPA include the prohibition of aggressive debt collection, such as using abusive language and issuing threats to file a lawsuit in civil court.

Debt Settlement Letter to NCB Management Services, Inc.*

How to Craft a Debt Settlement Letter for NCB Management Services, Inc.

The FDCPA lawyer you hire to write a debt settlement letter will follow a template that clearly states the debt settlement terms.

Here is an example of a persuasive debt settlement letter:

Your debt collection agency sent me a letter demanding payment for an outstanding debt I owe on a Best Buy account. I have attached a copy of the letter your company sent.

I am writing to inform your company that I cannot afford to pay off the entire balance of the Best Buy credit card. Instead, I propose to send you a check of $3,000 to remove the $6,000 delinquent credit card balance from my credit report.

My FDCPA lawyer has advised me to request you sign and date this letter to confirm your acceptance of my debt settlement terms.


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Speak with a highly rated FDCPA lawyer today to draft and send a debt settlement letter that wipes the slate clean for you on a credit card or personal loan account.

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 NCB Management Services, Inc. or any other third-party collection agency, you may not be entitled to any compensation.

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