How to Settle Debt With National Enterprise Systems

George Simons | January 24, 2025

Fact-checked by Patrick Austin, J.D.

Patrick Austin
Attorney from George Mason
Patrick Austin, JD

Patrick Austin is a licensed attorney with a background in data privacy and information security law. Patrick received his law degree at George Mason University's Antonin Scalia Law School, where he served as the Editor-in-Chief for the National Security Law Journal.

George Simons
Co-Founder of SoloSuit
George Simons, JD/MBA

George Simons is the co-founder and CEO of SoloSuit. He has helped Americans protect over $1 billion from predatory debt lawsuits. George graduated from BYU Law school in 2020 with a JD-MBA. In his spare time, George likes to cook, because he likes to eat.

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: Settle debt with National Enterprise Systems by assessing what you can afford, negotiating a lower lump sum or installment plan, and securing a written agreement. Engage in clear communication and explore tools like SoloSettle for efficient negotiation.

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 negotiate with National Enterprise Systems to settle your debt for less without the threat of legal action.

Settle debt with National Enterprise Systems

You can negotiate debt settlement at any stage of the collections process. SoloSettle makes it easy.

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What is National Enterprise Systems?

Based in Ohio, National Enterprise Systems is a licensed debt collection agency in all 50 states. National Enterprise Systems makes a profit from the money it recovers from consumers.

Who does National Enterprise Systems collect for?

National Enterprise Systems collects for different creditors in various industries, such as automotives, retail, financial, higher education, and telecommunications.

Read National Enterprise Systems reviews online

If you want to find out what consumers have said about their experience with National Enterprise Systems and whether it is possible to negotiate a debt collection settlement, then take a moment to read these National Enterprise Systems reviews:

Despite the fact that online reviews for National Enterprise Systems are a mixed bag, there are a number of consumer reviews indicating consumers can have a good experience when communicating with National Enterprise Systems collectors to discuss a debt collection matter. Take, for example, a review from a borrower named Carolyn:

“I had a debt I owed Discover card. It was sold to National Enterprise. I needed this removed from my credit score in order to purchase a house. It was aggravating being transferred twice with Discover then being transferred to this company. I spoke with Victoria who was pleasant and helpful. She transferred me again to a supervisor in order to take my payment (it is strange but I had to get this taken care of). They will be emailing me my receipt and once they notify Discover I will receive a letter in the mail showing it paid in full. None of this experience was bad and everyone was very nice.”

The review from Carolyn highlights the fact that National Enterprise Systems debt collectors are willing to work with you to get your debt issue resolved in a way that works for you and your current financial situation. Effective communication is the best way to reach an amicable resolution.

If negotiating with a debt collector doesn’t sound like your idea of fun, consider utilizing SoloSettle to negotiate online and resolve your debt through our cutting-edge digital settlement platform.

Understanding the FDCPA

The Fair Debt Collection Practices Act (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 Systems. 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.

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 Solo’s guide to the statute of limitations in all 50 states.

Settle your debt with National Enterprise Systems

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.

You have the option to try and negotiate a settlement on an unpaid debt at any stage of the collections process - even if National Enterprise Systems already filed a debt collection lawsuit. Here are some proactive steps you can take to negotiate a settlement of your debt:

  1. Determine the amount you can actually pay towards the balance of your debt. For example, if you owe $5,000 and could reasonably pay half that amount and still have money left over to cover your living expenses, then consider using $2,500 as a baseline for settlement discussions. Conducting this analysis is important because it can give you guidance for settlement negotiations.
  2. Make a reasonable settlement offer. You can do this via a debt settlement letter, email, or phone call. Though, it is recommended that you record the conversation (if possible). And if calling a debt collector doesn’t sound like your idea of a good time, consider using tools like SoloSettle to negotiate online and streamline the settlement process.
  3. The settlement offer should be a lower amount than the number you calculated in Step 1. This is important because it will provide room for you to negotiate upward, if your initial settlement offer is rejected.
  4. Make sure to engage in written settlement communications with National Enterprise Systems and continue to utilize written communication throughout the settlement negotiations process.
  5. If you are able to reach a debt settlement agreement, draft a debt settlement agreement for both you and the debt collector to sign.
  6. Be sure to pay the agreed amount in a timely manner.

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

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.

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources


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