If you receive a letter and/or a phone call from NCB Management Services, Inc. make sure to not tell the third party debt collector anything that will jeopardize the statute of limitations on your outstanding consumer debt.
Under to the ground breaking Fair Debt Collection Practices Act (FDCPA), a debt collection agency like NCB Management Services, Inc. has a limited amount of time to file a lawsuit in an attempt to force you to pay off an outstanding credit card or personal loan account balance.
You should not acknowledge the existence of a consumer debt to avoid restarting the clock on the statute of limitations. Remember the statute of limitations applies only to the filing of a lawsuit, not any phone calls made by a third party debt collector in attempts to get you to pay off a consumer debt.
If NCB Management Services, Inc. contacts you after the statute of limitation has expired on a credit card or personal loan account, you must contact a licensed FDCPA lawyer to draft a legally binding notice that explains to the third party debt collector the statute of limitations has expired.
Drafting the Notice
Most consumers do not know how the FDCPA protects them against unscrupulous bill collectors. A debt collection agency such as NCB Management Services, Inc. banks on you not knowing the legal implications of the FDCPA, including your right to send a notice to NCB Management Services that the statute of limitations has expired on a consumer debt.
Third party debt collectors work with experienced legal counsel to convince you to pay off a delinquent debt. You need to work with an experienced consumer protection lawyer who knows exactly how to word a statute of limitations notice to NCB Management Services, Inc.
If a debt collection agency violates one or more provisions of the FDCPA, you enjoy the legal right to sue the agency in court. However, you cannot expect to win a lawsuit, without an experienced FDCPA lawyer by your side in a courtroom.
Legal Language of a Statute of Limitations Notice
Every state defines the statute of limitations for filing a lawsuit to collect the money owed on outstanding credit card or personal loan accounts. Your lawyer will know when the clock stops clicking on the collection of an outstanding debt, as well as understand how to word a notice sent to NCB Management Services, Inc. that invokes the statute of limitations mandated by the FDCPA.
Although the FDCPA limits only the amount of time a third party debt collector has to file a lawsuit against you, the FDCPA includes legal language that allows you to send a cease and desist letter.
Combined with a notice that the statute of limitations has expired, a cease and desist request should get NCB Management Services, Inc. off your back.
The FDCPA is a powerful legal tool that helps you fight back against a debt collection agency such as NCB Management Services, Inc. Take advantage of the legal rights granted by the landmark consumer protection law by speaking with a FDCPA lawyer today.
*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.