Are you aware that debt collection agencies like National Commercial Services Ltd. cannot pester you endlessly about a debt you may or may not have? They are quite legally entitled to contact you on behalf of their commercial clients if you owe money, but they cannot do so unless evidence of the debt is provided.
Anti-social hours, e.g. before 8 a.m. and after 9 p.m. at night, should not be used to contact you. These restrictions are contained in the Fair Debt Collection Practices Act (FDCPA), a federal law that has been in force with some modifications since the 1970s.
If a debt collection agency does break the law, you can sue them for up to $1,000 within 1 year of the date of the infringement.
National Commercial Services Inc. – Company Profile
National Commercial Services Inc. is a debt collection agency based in Van Nuys, California. It was first established in 1996 and employs 55 people. It is not yet accredited to the Better Business Bureau, but the BBB has already given it a rating of B- based on customer comments and complaints.
The BBB has received 43 complaints made against the company in the last 3 years, many of which are about disputed claims, disputed amounts of debt or threatening language.
What Is a Debt Validation Letter? And Why Do You Need It?
One of the most important things that a debt collection agency must do is to provide you with a debt validation report. This gives details of the debt you supposedly owe, including the amount, who you owe it to, what the debt is for and any other details.
If you have been contacted but have not received a debt validation report, you should send a letter requesting one. Take a note of the date you sent the letter, as according to the FDCPA the debt collector must respond within 5 days of receipt of your request.
Any attempt to ignore the FDCPA could end with you filing a lawsuit against the agency. The law allows you to claim up to $1,000 in damages on top of legal costs, including attorneys’ fees and court costs.
Talk to An Attorney Today
It’s not a good idea attempting legal action against a sophisticated corporation over a failure to obey rules and restrictions imposed on them. You should talk to a consumer services attorney with experience in FDCPA abuse.
The attorney can help you with legal advice and suggest how to find evidence that the FDCPA has been ignored, including harassment during anti-social hours and a failure to provide a valid debt validation report. Use the Free Case Evaluation form below to be connected with a consumer law attorney who will help you with your case.
*Disclaimer: The content of this article serves only to provide information and should not be construed as legal advice. If you file a claim against National Commercial Services, Inc., or any other third-party collection agency, you may not be entitled to compensation.