National Enterprise Systems (NES) is one of the many collection agencies which have made their presence felt through all the wrong reasons. They would tell almost anything to take the money from you.
One consumer has the following experience with National Enterprise Systems.
"National Enterprise Systems has been calling several times a day for weeks. I have had some shouting matches with them and they have threatened to call every single morning, first thing, so we're the first thing you think of when you wake up." Know more...
The consumer got scared and gave her bank details to the National Enterprise Systems representative. Well, it would be redundant to say that it's the last thing that you should give out. But, what you should do when National Enterprise bullies you to pay.
Check out your state laws regarding recording conversation. If it is allowed, then you may want to record the threats made by National Enterprise Systems collectors. This can be used later as evidences when you sue them for FDCPA violation.
2. Threatening with wage garnishment: It is a violation for the collection agency to threaten a debtor with wage garnishment where it is illegal. Read more...
Further, to garnish your wages, the collector has to sue you in the court and win a judgment against you. Hence, the collector is surely violating the law when he threatens with garnishment without winning a judgment against the debtor.
If a collector threatens to garnish your wage or put lien against your property, confirm the state laws regarding these. You may also consult an attorney about your rights if needed. Also remember, that you can't be arrested for not paying a debt in USA. Check out more on the scare tactics used by the debt collectors and know your options.
3. Withdrawing more money from account: Collection agencies, like National Enterprise Systems, tend to withdraw more money from the bank account than authorized by the debtor. This is again a violation of the FDCPA.
If National Enterprise Systems withdraws more than the agreed amount from your account, you must immediately contact the bank and dispute the charges.
Remember, knowledge is the key when fighting against this collector. The more you are aware of your rights, the better you can fight abusive collectors from National Enterprise Systems.