Wireless technology has made it less embarrassing to field a phone call from a third party debt collector such as NCC Business Services. After all, you do not have to deal with someone in your household taking a call and discovering you are on the financial hook for a substantial amount of money.
However, you still feel the same fear and anxiety you feel when a debt collection agency calls you at home through the land line. A sense of panic sets in that can negatively impact your personal and professional lives.
Under a landmark consumer protection law passed long before use of the first cell phone, you should be able to cope quite well with a phone call from NCC Business Services.
The Fair Debt Collection Practices Act (FDCPA) includes several provisions that address how consumers should handle the phone calls made by third party debt collectors. First, you do not have to answer any questions posed by NCC Business Services.
Second, a debt collection agency can call you only during the hours between 8:00 am and 9:00 pm. A third party debt collector is prohibited from harassing you by using abusive language or making threats in an attempt to collect an outstanding credit card or personal loan balance.
Know what Information to Give NCC Business Services
The key to dealing with NCC business rests primarily on how much information you divulge to the third party debt collector. Debt collection agencies hire polished customer service representatives that receive considerable training to collect delinquent debts.
While you sit on the other end of a wireless connection surprised by an unexpected call from NCC Business Services, the customer service representative will be reading from a carefully drafted phone script.
To counter the seasoned pro on the other end of the line, you should prepare in advance by working with a licensed consumer protection lawyer. An experienced FDCPA will coach you on what to say and what not to say to a representative from NCC Business Services.
How to Act When Speaking with a Debt Collection Agency
You have two phrases at your disposal that should immediately turn a phone call from NCC Business Services into a conversation you control. The first and most important thing for you to do involves explaining to a third party debt collector you plan to record the entire phone conversation.
Ask for a moment to retrieve a tape recorder and then ask the representative from NCC Business Services to repeat identification information that includes the name of the phone caller and the name of the third party debt collector.
The second thing to accomplish is to request the debt collection agency send any evidence of an outstanding debt through the mail to your home address. Make sure to conduct all forms of communication with NCC Business from your home address, as well as through your personal cell phone number.
Receiving a phone call from a debt collection agency can dramatically change your life. By speaking with a highly rated consumer protection lawyer, you will learn about the legal rights 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 NCC Business Services or any other third-party collection agency, you may not be entitled to any compensation.