At first, a single phone call from a debt collection agency does not alarm you. After a few days, the single phone call turns into multiple phone calls every day.
The anxiety caused by having a third party debt collector such as NCB Management, Inc. hound you can take a toll on personal and professional relationships. Do you have a legal recourse to fight back against a bill collector?
The answer is yes, but not because the debt collection agency calls your home frequently.
Although you have the right to ask a third party debt collector to stop calling you, the legal fact remains the calls can continue at a frequent pace unless you invoke one or more provisions of a powerful federal consumer protection law.
Simply ignoring phone calls from NCB Management, Inc. does not pass the financial muster, as eventually, an outstanding credit card or personal loan account can show up on your consumer credit report.
You need to take immediate action, which means using one or more methods to stop phone calls from NCB Management, Inc.
Methods that Can Stop Phone Calls from NCB Management, Inc.
You have several options to stop NCB Management, Inc. from calling you at home. By settling a debt for a percentage of the entire amount, you can eliminate the annoying phone calls.
You can dispute the validity of an alleged delinquent debt or explain to the debt collection agency the statute of limitations has expired on the outstanding credit card or personal loan account in question.
When you work with a licensed consumer protection lawyer, you might send a cease and desist letter to a third party debt collector to end all forms of communication with the company.
Another method for stopping bill collector phone calls involves filing a lawsuit in civil court. Under the groundbreaking Fair Debt Collection Practices Act (FDCPA) of 1977, debt collection agencies like NCB Management, Inc. are prohibited from threatening consumers, as well as calling consumers at home between the hours of 9pm and 8am.
Creditors and third party debt collectors are not allowed to use deception to trick consumers into paying off outstanding debts. If you experience one or more violations of the FDCPA, your attorney will end all phone calls from NCB Management, Inc. by filing a lawsuit in civil court.
![How Many Times Can NCB Management, Inc. Call You?*]()
Types of Damages Awarded in FDCPA Cases
The types of damages awarded in FDCPA cases depend on the type of financial loss suffered by a consumer. Emotional distress such as fear and anxiety triggered by frequent harassing debt collection agency phone calls can lead to financial recovery in civil court.
Other professionally diagnosed emotional ailments caused by aggressive debt collection tactics include intense depression and violent mood swings.
Consumers also have the legal right under the FDCPA to recover all lost wages caused by the actions of a third party debt collector. One of the most common ways consumers lose wages is from wage garnishment orders carried out by employers.
If you win a FDCPA case and your wages were garnished, your lawyer will request the court to order the defendant to compensate you for all garnished wages.
The aggressive tactics implemented by a bill collector should motivate you take control of your finances. Speak with an experienced FDCPA attorney today to determine if you have a strong enough case to file a lawsuit in civil court.
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, Inc. or any other third-party collection agency, you may not be entitled to any compensation.