If there are bills that you have gotten behind on, or if you are being accused of owing a debt that isn’t yours, you do have resources available to help you. Congress passed the Fair Debt Collection Practices Act (FDCPA) in 1978 to stop the unscrupulous actions of debt collectors and to put an end to the harassment.
There are strict laws in place to protect consumers, but sometimes those laws are disregarded by third-party debt collectors such as NCB Management Services, Inc. If that is the case, you can take legal action against the debt collectors, but you should maintain supporting evidence.
What Is A Debt Validation Letter And Why Do You Need It?
If you don’t think you owe the bill in question, don’t pay any money to NCB Management Services, Inc. You have the legal right to ask for validation of the debt. When you ask for validation of a debt, they have 5 days to respond. They must provide you with details about the original debt, proof that you owe the debt, the current amount you owe, any fees and charges tacked on to the debt, and other specific information that you may need to know about.
If NCB Management Services, Inc., doesn’t respond to your request for validation of the debt, they have violated the FDCPA. You can then file a claim against them and ask for compensation to recover the damages that you have suffered because of their illegal collection practices and harassment.
Damages You May Be Entitled To Recover
If your claim against NCB Management Services, Inc., succeeds in court, you could recover $1,000 in statutory damages. You could recover actual damages, such as damages for your physical and emotional suffering. Any medical issues that you claim should be easily proven and visible, such as migraines, cardiac problems, rashes, and so forth. You will need medical records and medical bills.
The court could order NCB Management Services, Inc. to cover the costs associated with your legal fees. You can claim emotional distress or mental anguish for any stress, anxiety, or depression caused by the harassment. You can ask for lost wages and garnished pay but need to provide proof of the lost earnings. Your attorney will help you gather supporting evidence against NCB Management Services, Inc.
Speak With An FDCPA Attorney
If NCB Management Services, Inc., has failed to respond to your request for debt validation, or if they are harassing you, you may be able to pursue a legal claim against them. You should talk with an FDCPA attorney who knows how to handle such cases. You will need an FDCPA lawyer who handles debt collector harassment cases.
Complete the Free Case Evaluation Form on this page to share the details with an attorney who handles such cases in your area. You don’t have to accept the harassment from NCB Management Services, Inc., any longer. You have rights and there is help available.