Have you been unable to raise the cash for your typical monthly bills or has a creditor wrongfully accused you of owing money when you don’t?
If this has happened to you the 1978 Fair Debt Collection Practices Act (FDCPA) prevents third-party debt collectors from coming around to your home and harassing you and your family whenever they choose.
Many debt collectors don’t take the FDCPA seriously.
If you have evidence to prove that National Commercial Services Inc has been threatening you, you may be able to file an FDCPA lawsuit to claim damages for the way you have been treated.
About National Commercial Services Inc.
National Commercial Services, Inc., or NCS, is a third-party debt collection agency located in Southern California that focuses on commercial debt collection.
NCS has been the recipient of numerous consumer complaints according to the Better Business Bureau (BBB) which suggest that the FDCPA has been violated.
This includes threats to take action when there is no legal justification and trying to collect debts from people who do not owe anything.
If you have been contacted by NCS, make sure you understand your rights before responding.
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How to Know What is a Threat
The FDCPA outlines clearly what is considered to be threatening language that debt collectors are not allowed to use when communicating with a debtor. If National Commercial Services, Inc. acts in a way that violates the FDCPA guidelines then you may be able to file a lawsuit claiming compensation.
The threats that are considered unacceptable could be any of the following:
- acting in a violent way even to the point of causing the victim harm or marring his/her reputation;
- uses threats to try to seize your property;
- threatening to garnish your wages;
- uses threats to try to get you arrested because you owe a debt;
- publishing a debtor list and threatening each person on the list with legal action.
You Might Be Entitled to Damages
If you have sufficient evidence as a debtor to prove you have been threatened you can file a lawsuit and expect to be awarded $1,000 for statutory damages.
In addition to that you may be eligible for actual damages, which may include an amount for physical and emotional damage and compensation for loss of wages and wage garnishment.
The at-fault debt collector might be expected to pay the attorney fees. Physical damage awards tend to be for conditions such as rashes, chronic headaches, and cardiovascular problems.
Stress and anxiety are good reasons for an attorney to file a damage claim for emotional distress.
End the Threats Today
If you believe that National Commercial Services, Inc. has threatened you into paying a debt it is breaking the law so you should talk to an FDCPA attorney who specializes in creditor harassment.
S/he will inform you of your rights and what action you should take to stop this threatening behavior learn more about your rights and your ability to stop National Commercial Services, Inc. from threatening you.
Fill out our Free Case Evaluation to be connected with an FDCPA attorney who handles consumer law cases in your state.
Additional Resources
*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.