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How to Beat National Credit Adjusters

Dena Standley | October 19, 2022

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Beating National Credit Adjusters feels like ^^

Summary: Is National Credit Adjusters suing you for a debt? SoloSuit can help you take a stand and win in court.

Do you recall receiving a call from someone telling you they were serving you with documents? Or, perhaps they stated that you have a $1700 debt and that they will settle for $300.

So, you decide to contact your original creditor, and in shock, you discover the original debt was $133. Well, your debt was sold off. When you dig deeper into the first number, you learn it was National Credit Adjusters.

You are probably among the hundreds of consumers being hounded by National Credit Adjusters if you are on this page. Find out below how you can beat debt collectors working for National Credit Adjusters. But first, let's learn a little more about National Credit Adjusters.

Who is National Credit Adjusters, LLC?

National Credit Adjusters, LLC is an independent third-party debt collection agency that collects debt for several industries, including consumer loans, short-term loans, credit cards, lease to own, fintech finances, retail credit, auto loans, and other consumer credits.

They collect overdue debt for traditional and online lenders with installment loans. They buy debt from many creditors who are no longer trying to collect the debt themselves (also referred to as "charge-offs").

This means that, when you pay of a debt in full to National Credit Adjusters, they will probably make a huge profit because they purchased the debt from the original creditor for pennies on the dollar. It's also pretty common for debt collectors like National Credit Adjusters to try to collect debts in the wrong amount or that are fraudulent. For this reason, you should always investigate the debt before making any payments.

NCA is headquartered in Kansas but has offices in Arizona and Jamaica. To contact National Credit Adjusters, use the following information:

Mailing Address: P.O. Box 3023, Hutchinson, KS 67504
Phone number: 888-768-0674

Verify the debt with a Debt Validation Letter

Debt verification is a formal request for more information about the alleged debt from National Credit Adjusters. When the debt collector sends their collection letter, use SoloSuit's Debt Validation Letter to respond. Most debt collectors, including National Credit Adjusters, give up once they receive it.

The Consumer Financial Protection Bureau (CFPB) debt collection rule requires debt collectors to provide certain information when contacting you. So National Credit Adjusters must prove that you owe the debt first. Your Debt Validation Letter must be submitted within 30 days of the initial contact.

Check out this video to learn more about how to draft and send a Debt Validation Letter:

Why you should send a debt verification letter

Verifying your debt has three benefits:

  1. National Credit Adjusters won't call you during this time: In response to a debt verification letter, National Credit Adjusters must stop contacting you until they can establish that you owe the debt they are trying to collect.
  2. You'll learn more about the debt: Never pay off a debt you do not understand. Documentation from National Credit Adjusters will allow you to determine whether this is a legitimate debt that should be paid. It's also a great way to ensure the debt collector is not a scammer.
  3. You can disown the debt successfully: They may have no choice but to remove it from their records if they cannot provide more details about that debt (which happens frequently).

Be aware of your state's statute of limitations

The statute of limitations for debt varies from state to state. When debt reaches a certain age, it becomes a "zombie debt," and you do not have to pay it. States set their age limits, usually between 4-6 years old. Collection agencies can still contact you about these debts, but they cannot sue you, nor can you be forced to pay them.

Negotiate a debt settlement

Negotiating a debt settlement agreement with National Credit Adjusters if you cannot remove the entry because of inaccuracies is possible. You can arrange a pay-for-delete deal with National Credit Adjusters, where they agree not to report the debt to credit bureaus if you pay them for it.

Despite what National Credit Adjusters would prefer you to know, they may accept less than the full amount owed to you because they may have paid pennies on the dollar for the debt and only need to make back a portion of the balance to turn a profit for deleting the debt.

Ask the National Credit Adjusters, LLC to send you a written agreement once you've settled on terms. Wait 30 days and check your credit report to ensure that National Credit Adjusters have deleted the entry from your credit report. If they fail to delete the entry, contact them again.

To learn more about how to negotiate a debt settlement, check out this video:

National Credit Adjusters has received many complaints and bad reviews

If you're feeling frustrated with National Credit Adjusters, you're not alone. As of 2022, NCA received 408 complaints on its BBB profile over a three year period. Even worse, the Consumer Financial Protection Bureau reported 1,566 complaints against National Credit Adjusters in the same time period.

Let's take a look at a real example from the CFPB complaint database.

“After negotiating a settlement, and paying such settlement, they refuse to report the account settled and no longer open. I've tried several times, via dispute, to get them to correct this issue. They refuse, which makes it look like, on my credit report, that the account is still open, and not settled.”

The Fair Debt Collection Practices Act protects consumers, like you, from abusive debt collection tactics. Read this article to learn more about your rights under the FDCPA and how to fight back if your rights have been violated.

SoloSuit can help you beat National Credit Adjusters, LLC in court

If National Credit Adjusters is suing you for a debt, you can represent yourself and beat them in court with SoloSuit's help. The first step to winning a debt lawsuit against NCA is to respond.

Follow these six tips to draft and file an Answer to a debt lawsuit against National Credit Adjusters:

  1. The Answer isn't the place to tell your side of the story in detail. Instead of using an elaborate story to respond to the lawsuit, your Answer should focus on responding to the claims listed in the Complaint document. Keep it simple. You can admit, deny, or deny due to lack of knowledge.
  2. Deny, deny, deny. Most attorneys recommend that you deny as many claims as possible, forcing National Credit Adjusters to do more work to prove their side of the case.
  3. Include affirmative defenses. These are any legal reasons that NCA should not win the case. A common affirmative defense used in debt lawsuits is the statute of limitations, which is the time period that a debt collector has to sue someone for a debt. If the debt is past the statute of limitations, then the lawsuit is void.
  4. Use standard formatting or “style”. At the head of the Answer document, be sure to include a caption where you list the court information, party information, and case number.
  5. Include a certificate of service. It's important to serve your Answer to National Credit Adjusters. At the end of your Answer document, include a certificate of service when you verify the address you used to serve NCA the Answer.
  6. Sign it. Most courts reject any legal documents without signatures, which is why this last step is so crucial.

Check out this video to learn more about these six tips:

What is SoloSuit?

SoloSuit makes it easy to fight debt collectors.

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

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