Up until September 20, 1977, consumers had little legal protections against unethical third party debt collectors. With the passage of the Fair Debt Collection Practices Act (FDCPA) by the United States Congress, debt collection agencies no longer could use abusive language or issue physical threats in attempts to collect the outstanding balances on credit accounts and personal loans.
The FDCPA also includes provisions that govern the phone calls made by third party debt collectors such as NCB Management Services, Inc.
Debt collection agencies must make phone calls to consumers between the time window of 8:00 am and 9:00 pm. Phone calls made outside of the 13-hour window are considered illegal under the FDCPA.
You also have the right not to answer any of the questions asked by a representative from NCB Management Services, Inc. By speaking with a licensed consumer protection lawyer, you receive the expert legal advice you need to go toe to toe with a NCB Management Services representative over the phone.
What Information Should You Give a Debt Collection Agency?
When a third party debt collector calls you at home or on your cell phone, you can expect the representative to act professionally in order to get you to eliminate the balance you owe a bank or credit card company.
The representative has received extensive training that includes knowing exactly what questions to ask and when to ask the questions.
Unless you have received similar training, the chances are you will need the legal advice of an experienced FDCPA lawyer to deal with a representative from NCB Management Services, Inc. over the phone.
Your lawyer will explain what questions to answer, as well as what information you should never share with a debt collection agency.
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How to Handle Yourself When Speaking with NCB Management Services
One of the first pieces of advice your lawyer will give you involves informing a debt collector you plan to tape record the entire phone conversation. A recorded phone call comes in handy if your lawyer decides to take a third party debt collector to court.
You should also ask a representative from NCB Management Services, Inc. to prove the alleged outstanding debt is legally valid.
What you should never share with a debt collection agency is just as important as the information you decide to share.
Here are some questions you should never answer:
- What is your weekly net pay?
- Does your spouse work?
- Do you have a second job?
- Do you owe money on a car loan?
- How much is your monthly rent or mortgage payment?
- Do you have any outstanding bank loans?
Depending on your personal financial status, the only information you should give a debt collection agency is your name. If you decide to set up a payment plan to take care of an outstanding credit account or personal loan balance, make sure you have the financial resources to make it happen.
Under the FDCPA, you have the legal right to ask NCB Management Services, Inc. to stop calling you at home or on your cell phone. Speak with a licensed consumer protection lawyer to learn how a certified cease and desist letter will end all phone calls from NCB Management Services, Inc.
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.