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Did NCB Management Services, Inc. Threaten You?*

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Falling behind on bills has led to an overwhelming feeling of frustration that you will never climb out of the financial hole. Frustration quickly turns into stress and anxiety when a debt collection agency such as NCB Management Services, Inc. contacts you regarding an outstanding personal debt. After several failed attempts to collect on the debt, the third party debt collector resorts to using the intimidating tactic of threatening you with a lawsuit.

Did NCB Management Services, Inc. threaten you and if the answer is yes, do you have any way to get the bill collector off your back?

About NCB Management Services, Inc.

Accredited by the Better Business Bureau (BBB) since 2011, Pennsylvania-based NCB Management Services, Inc. operates several locations across the United Stated dedicated to collecting delinquent consumer debts. The company has been in business for nearly 25 years, with its focus on collecting consumer debts in the bank card and personal loan niches. Although NCB Management Services, Inc. has received accreditation from the BBB, the company has earned a reputation for providing false information to two of the three primary consumer credit reporting companies.

Threats Violate a Federal Consumer Protection Law

Before September 20, 1977, debt collection agencies had little, if any regulatory restrictions placed on them by the United States government. That all changed with the passage of the landmark Fair Debt Collection Practices Act (FDCPA). The FDCPA bans a long list of previously legal debt collection tactics that include harassing consumers by making repeated phone calls throughout the day.

In addition, the FDCPA prohibits third party debt collectors from issuing threats of any kind. NCB Managements Services is not allowed to threaten you in a direct manner, as well as infer it will do something if you do not pay off an outstanding credit card or personal loan account.

Under the FDCPA, NCB Management Services, Inc. cannot threaten to seize your property. Third party debt collectors use the threat of asset seizure to motivate consumers into taking care of their personal financial obligations. A bill collector is also not permitted to threaten you with physical harm. Although the days of extortion in the credit card industry have long since passed, it is possible that a debt collection agency will use the threat of physical harm to coerce you into paying off a personal debt.

How to End the Threats

Regardless of the type of threat, the most effective way to end the threats is to work with a licensed consumer protection attorney who specializes in litigating FDCPA cases. Your lawyer will want evidence of the threats made by NCB Management Services, Inc., which can include tape recorded phone conversations and the letters sent by the third party debt collector. If your FDCPA attorney feels like you have a strong enough case, he or she might recommend that you file a claim for monetary damages against NCB Management Services, Inc. Monetary damages take care of the cost of medical bills, as well as cover any lost wages you experienced during the time NCB Management Services, Inc. harassed you.

Be proactive when it comes to dealing with NCB Management Services, Inc. by scheduling a free initial consultation with an experienced FDCPA lawyer.

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 NCB Management Services, Inc., or any other third-party collection agency, you may not be entitled to compensation.

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