Coaches and managers of sports teams have the right to dispute questionable calls in a manner acceptable to the governing league.
Under a groundbreaking federal law, you enjoy a similar right to dispute the validity of a claim made by a debt collection agency that you owe money for an outstanding credit card or personal loan balance.
The right to dispute a consumer debt is a powerful legal tool. After a third party debt collector such as NCB Management Services, Inc. receives a dispute letter, the company must cease all debt collection activities until it can confirm the legitimacy of the delinquent debt in question.
If NCB Management Services, Inc. cannot prove the validity of an alleged debt, the agency must abide by a federal statute that requires it to never communicate with you in any form.
Drafting a Legally Binding Letter for NCB Management Services, Inc.
When a bill collector contacts you for the first time, you need to operate with a sense of urgency to prevent further letters and/or phone calls. Under the Fair Debt Collection Practices Act (FDCPA), a debt collection agency has five days after the initial phone call or letter to send you information about the amount of the alleged debt, as well as the name and contact data for the original creditor.
A third party debt collector like NCB Management Services, Inc must also provide you with information that explains you have 30 days after receipt of the initial letter to contest the debt in question.
Hiring a FDCPA lawyer not only helps you draft an effective dispute letter, it also allows you to seek monetary damages for violations of the FDCPA. The FDCPA limits civil damages to $1,000, but you have the right to seek actual damages for emotional duress that exceed $1,000.
A licensed FDCPA lawyer will thoroughly investigate your case to determine whether NCB Management Services, Inc. used illegal aggressive tactics in attempts to force you to pay what you do not owe.
Your lawyer will also make sure the bill collector abided by the restrictions placed on debt collection agencies on the time of day to call consumers.
Actual Sample Dispute Letter
The dispute letter you send to NCB Management Services, Inc. should include your contact information at the top of the letter. Your lawyer will draft a dispute letter that looks something like this:
On November 25, 2018, I received a letter from your debt collection agency informing me I owe money on an outstanding credit card balance. I am sending you this letter to dispute your claim that I am legally responsible for taking care of the debt in question.
Under the Fair Debt Collection Practices Act, you must submit to me the amount of the alleged debt and the complete contact information for the original creditor. You also must provide me with evidence that I am legally liable for the outstanding debt, as well as documentation that proves your company is licensed to collect debts in the state where I reside.
Since I have sent this letter within 30 days of receiving your initial notification, you must stop contacting me in regards to the alleged debt until you can prove that I am legally obligated to pay off the outstanding debt.
When you deal with a debt collection agency such as NCB Management Services, Inc., you can expect the company to collaborate with a seasoned team of litigators. Speak with an experienced consumer protection lawyer today to ensure you enjoy all the legal protections granted by the FDCPA.
*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.