Start My Answer

Beat National Enterprise Systems in court

Chloe Meltzer | October 19, 2022

Legal Expert
Chloe Meltzer, MA

Chloe Meltzer is an experienced content writer specializing in legal content creation. She holds a degree in English Literature from Arizona State University, complemented by a Master’s in Marketing from California Polytechnic State University-San Luis Obispo.

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.

Summary: If National Enterprise Systems is suing you for a debt you owe, you can use SoloSuit to fight back.

National Enterprise Systems is a debt collection agency in the United States, mainly servicing the East Coast. When suing you for a debt, National Enterprise Systems will do everything in its power to ensure they collect that debt. Understanding who National Enterprise Systems is and your rights under the Fair Debt Collection Practices Act can help you beat National Enterprise Systems in court.

About National Enterprise Systems

Based in Ohio, National Enterprise Systems is a licensed debt collection agency in all 50 states. They work for different creditors in various industries, such as automotives, retail, financel, higher education, and telecommunications. National Enterprise Systems makes a profit from the money it recovers from consumers, which means it often charges late fees or adds extra charges to the original debt amount.

However, as a debt collection agency, National Enterprise Systems is required to abide by federal and state laws. Such laws include the Fair Debt Collection Practices Act (FDCPA), which is designed to protect consumers from threatening or malicious debt collectors. That being said, National Enterprise Systems is known for its aggressive tactics, which are often in violation of the FDCPA. It is important to understand this law to know if any of your consumer rights have been violated.

Understanding the FDCPA

The FDCPA forbids specific acts by debt collectors such as::

  • Using or threatening to use physical force or criminal tactics due to not paying a debt.
  • Intimidating debtors by accusing them of committing a crime due to not paying a debt.
  • Making defamatory statements.
  • Threatening to arrest you, seize assets, or garnish wages, unless explicitly allowed.
  • Using obscene or profane language.
  • Disclosing their identity as a debt collector.
  • Misrepresenting themselves in a way that would push you to spend money that you may not otherwise spend.
  • Calling you repeatedly or letting your phone ring repeatedly to annoy you.
  • Harrassing you

If you believe that your rights have been violated, you can do something about it. Fight back against National Enterprise Systems.

What to do if you owe National Enterprise Systems

While National Enterprise Systems operates as an agent for many creditors, it also buys debt. Typically, National Enterprise Systems purchases these debts for very low amounts, even pennies to the dollar. Because of this, you can often settle your debt for less than you owe. You may not even be required to pay National Enterprise Systems if the debt doesn't belong to you, if you've already paid off the debt, or if the statute of limitations to collect on the debt has already expired. However, responding to the debt will help you beat National Enterprise System. You can respond by taking one of the following steps:

Validate your debt

When you are first contacted, you need to ensure that the debt belongs to you. After initial contact, you have only 30 days to validate the debt by sending a Debt Validation Letter.

Legally, a debt collector is required to validate a debt. Without proper validation, a debt cannot be legally collected.If you this you're being sued for an invalid debt, you can file a dispute with the Credit Reporting Agencies which will protect your credit report and stop the debt collection case in its tracks.

SoloSuit's Debt Validation Letter helps you take advantage of your situation.

See if the statute of limitations is valid

The statute of limitations is the period within which a debt collector can sue a debtor over unpaid debts. When the statute expires, the collector can no longer file a lawsuit, although the debtor remains liable for the debt. In some cases, the actual time period for the statute of limitations is difficult to pinpoint. Different states have different statutes and laws in place.

If you believe that the statute of limitations has expired for your debt, you need to confirm this, as you can appear in court and plead it as an affirmative defense.

Here's SoloSuit's guide to the statute of limitations in all 50 states.

Settle your debt

Since debt collection agencies often buy their debts for next to nothing, you can likely negotiate a settlement that is less than the amount they claim you owe. Just make sure to negotiate before they can enter a default judgment against you.

Watch SoloSuit settle one of our customers' debts for tips and tricks on negotiating your own settlement:

<iframe width="560" height="315" src="" title="YouTube video player" frameborder="0" allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture" allowfullscreen></iframe>

Removing National Enterprise Systems From Your Credit Report

If you are unable to beat National Enterprise Systems in court, then you might as well attempt to remove them from your credit report. Remember, not paying a debt will typically stay on your credit report for seven years from the delinquency date. If you were to file bankruptcy, it would remain for ten years, and being served with a default judgment can remain for even longer.

What if I am being sued by National Enterprise Systems?

If you're sued by National Enterprise Systems, you need to respond by filing an Answer. Filing an Answer will protect your rights and save you from garnishment. In most states, you only have 14-30 days to file an Answer.

Debt Collection Lawsuit Flowchart

SoloSuit can help you file an Answer in all 50 states.

What is SoloSuit?

SoloSuit helps people fight debt collectors. We have everything you need to win. How it works: SoloSuit is a step-by-step web app that makes it easy to generate an Answer to a debt debt collection summons.

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

Get Started

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit: A Student Solution To Give Utah Debtors A Fighting Chance

How to answer a summons for debt collection in your state

Here's a list of guides for other states.

All 50 states.

Guides on how to beat every debt collector

Being sued by a different debt collector? Were making guides on how to beat each one.

Win against credit card companies

Is your credit card company suing you? Learn how you can beat each one.

Going to Court for Credit Card Debt — Key Tips

How to Negotiate Credit Card Debts

How to Settle a Credit Card Debt Lawsuit — Ultimate Guide

Get answers to these FAQs

Need more info on statutes of limitations? Read our 50-state guide.

Why do debt collectors block their phone numbers?

How long do debt collectors take to respond to debt validation letters?

What are the biggest debt collector companies in the US?

Is Zombie Debt Still a Problem in 2019?

SoloSuit FAQ

If a car is repossessed, do I still owe the debt?

Is Portfolio Recovery Associates Legit?

Is There a Judgment Against Me Without my Knowledge?

Should I File Bankruptcy Before or After a Judgment?

What is a default judgment?— What do I do?

Summoned to Court for Medical Bills — What Do I Do?

What Happens If Someone Sues You and You Have No Money?

What Happens If You Never Answer Debt Collectors?

What Happens When a Debt Is Sold to a Collection Agency

What is a Stipulated Judgment?

What is the Deadline for a Defendants Answer to Avoid a Default Judgment?

Can a Judgement Creditor Take my Car?

Can I Settle a Debt After Being Served?

Can I Stop Wage Garnishment?

Can You Appeal a Default Judgement?

Do I Need a Debt Collection Defense Attorney?

Do I Need a Payday Loans Lawyer?

Do student loans go away after 7 years? — Student Loan Debt Guide

Am I Responsible for My Spouses Medical Debt?

Should I Marry Someone With Debt?

Can a Debt Collector Leave a Voicemail?

How Does Debt Assignment Work?

What Happens If a Defendant Does Not Pay a Judgment?

How Does Debt Assignment Work?

Can You Serve Someone with a Collections Lawsuit at Their Work?

What Is a Warrant in Debt?

How Many Times Can a Judgment be Renewed in Oklahoma?

Can an Eviction Be Reversed?

Does Debt Consolidation Have Risks?

What Happens If You Avoid Getting Served Court Papers?

Does Student Debt Die With You?

Can Debt Collectors Call You at Work in Texas?

How Much Do You Have to Be in Debt to File for Chapter 7?

What Is the Statute of Limitations on Debt in Washington?

How Long Does a Judgment Last?

Can Private Disability Payments Be Garnished?

Can Debt Collectors Call From Local Numbers?

Does the Fair Credit Reporting Act Work in Florida?

The Truth: Should You Never Pay a Debt Collection Agency?

Should You Communicate with a Debt Collector in Writing or by Telephone?

Do I Need a Debt Negotiator?

What Happens After a Motion for Default Is Filed?

Can a Process Server Leave a Summons Taped to My Door?

Learn More With These Additional Resources:

Need help managing your finances? Check out these resources.

How to Make a Debt Validation Letter - The Ultimate Guide

How to Make a Motion to Compel Arbitration Without an Attorney

How to Stop Wage Garnishment — Everything You Need to Know

How to File an FDCPA Complaint Against Your Debt Collector (Ultimate Guide)

Defending Yourself in Court Against a Debt Collector

Tips on you can to file an FDCPA lawsuit against a debt collection agency

Advice on how to answer a summons for debt collection.

Effective strategies for how to get back on track after a debt lawsuit

New Hampshire Statute of Limitations on Debt

Sample Cease and Desist Letter Against Debt Collectors

The Ultimate Guide to Responding to a Debt Collection Lawsuit in Utah

West Virginia Statute of Limitations on Debt

What debt collectors cannot do — FDCPA explained

Defending Yourself in Court Against Debt Collector

How to Liquidate Debt

Arkansas Statute of Limitations on Debt

Youre Drowning in Debt — Heres How to Swim

Help! Im Being Sued by My Debt Collector

How to Make a Motion to Vacate Judgment

How to Answer Summons for Debt Collection in Vermont

North Dakota Statute of Limitations on Debt

ClearPoint Debt Management Review

Indiana Statute of Limitations on Debt

Oregon Eviction Laws - What They Say

CuraDebt Debt Settlement Review

How to Write a Re-Aging Debt Letter

How to Appear in Court by Phone

How to Use the Doctrine of Unclean Hands

Debt Consolidation in Eugene, Oregon

Summoned to Court for Medical Bills? What to Do Next

How to Make a Debt Settlement Agreement

Received a 3-Day Eviction Notice? Heres What to Do

How to Answer a Lawsuit for Debt Collection

Tips for Leaving the Country With Unpaid Credit Card Debt

Kansas Statute of Limitations on Debt Collection

How to File in Small Claims Court in Iowa

How to File a Civil Answer in Kings County Supreme Court

Roseland Associates Debt Consolidation Review

How to Stop a Garnishment

Debt Eraser Review

Do Debt Collectors Ever Give Up?

Can They Garnish Your Wages for Credit Card Debt?

How Often Do Credit Card Companies Sue for Non-Payment?

How Long Does a Judgement Last?

​​How Long Before a Creditor Can Garnish Wages?

How to Beat a Bill Collector in Court