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National Credit Adjusters - What do consumers allege against them?

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National Credit Adjusters, LLC is a collection agency (CA) located in Hutchinson, Kansas. It is a privately owned company specializing in collection of delinquent account receivables. The company is known to collect primarily on old payday loan accounts. There are certain instances where consumers have complained against this CA in the DebtCC forums. Read through the section below to know what complaints people have against them.

National Credit Adjusters complaints - How serious are the allegations?

Some of the complaints people have shared with the DebtCC community are given below. Take a look at them to find out how serious these allegations are.

A majority of the debts collected by National Credit Adjusters collection agency are old payday loans. Many of the consumers who have shared their complaints on the DebtCC forums have accused the CA of collecting on illegal payday loans, reporting them on credit report, etc. As most of the problems discussed in these complaints stem from payday loans, it seems relevant to look at the reasons why you should never take a payday loan in the first place.

Why should you avoid taking a payday loan?

Given below are some of the reasons why you should avoid taking a payday loan:


How do you avoid taking a payday loan?

There are situations when you might be desperate to take a payday loan to meet certain expenses. But considering the risks involved in payday loans, it could be worth your while to check out some alternative options while avoiding a such a loan. You can borrow from your friends and relatives or can ask your employer for an advance on your next paycheck. If you have to spend extra money in a month, try to control your monthly expenditure and cut your budget accordingly. You should also build up an emergency fund to help you get over a sudden financial crisis without getting caught in a payday loan trap.


In case the CA calls you to collect an old payday loan or any debt account, you can contact them at:


National Credit Adjusters Address:
327, W 4th, P.O. Box 3023, Hutchinson, Kansas 67504


National Credit Adjusters phone number: 888-768-0674 (toll free)



traci78

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Sub: National Credit Adjusters - What do consumers allege against them?
Thu, 29/11/2012 22:13

Sorry I havent been around in a while, but any help on this would be great. I had an internet pdl that defaulted many months ago for I lost my job. The pdl was UPFRONTPAYDAY.COM. They had sold my debt to a collection agency called National Credit Adjusters. My loan was for $300 and they now want $760. My issue is that the collection agency reported it on my credit report. When I filed a dispute with Experian, they came back to me saying they looked into my dispute and according to the collection agency it is a valid debt. How can I get this off my Credit Report legally since the IPDL is illegal in my state of New Jersey.



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paulmergel
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Sub: #1 idiotMon, 01/07/2013 - 08:53



nobody here advises to not pay back the loans.just the principle which is all we are liable for.in fact it is a moral decision,but one we advise so please spare me humanoid,and back to the phones as nobody posts like this that isn't a shill/bobo.


giving hope to the hopeless,help to the helpless,and hap to the hapless.


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Sub: #2 pay your bill, even if it isSun, 01/06/2013 - 21:07



pay your bill, even if it is illegal in your state, where the loan was taken out from my be legal in the state or country.. the lent you the money you provided your banking info to receive the money. unfortunately payday loans on line are high interest... i don't suggest anyone do them, it got me in more problems then when i needed the money. will never do one again



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Sub: #3 Call 1-800-286-5427Mon, 12/17/2012 - 11:19



Call 1-800-286-5427



waffles
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Sub: #4 If anyone is not a productive member of society it's the one shiThu, 11/29/2012 - 22:13



If anyone is not a productive member of society it's the one shilling on a forum for his scamming, garbage CA.

Is my payday lender illegal in my state?

How to deal with illegal lenders, courtesy of OhioGal

How to write a proper debt validation request, courtesy of SOAPLADY

How to deal with a Collection agency contacting you for PDLs


Unregistered

Sub: #5 Looks like you're not a productive member of society. I hope youThu, 11/29/2012 - 20:39



Looks like you're not a productive member of society. I hope your kids don't follow your footsteps with that atrocious grammar! Absolutely horrendous. Our system has failed you.


paulmergel
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Sub: #6 #54=turnipMon, 10/29/2012 - 07:00



the idiot just above goldenbast is a humanoid turnip.for one a letter never counts as validation unless it is on the OC'S letterhead.as for pdl's the cintract must have an actual signature,the person in questions signature.since NCA never provides those things all they should get is reported the the AG of the person being harrased.that's it.oh and hang ups without a word.

giving hope to the hopeless,help to the helpless,and hap to the hapless.


goldenbast
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Sub: #7 Oh and to answer the poster about the car title: You don't haSun, 10/28/2012 - 03:33



Oh and to answer the poster about the car title:

You don't have to prove anything. THEY have to prove you owe any money. I wouldn't even bother sending a validation demand since you know without a doubt there are no monies owed on this account. Send them a cease and desist letter basically telling them to take a long walk off a short pier.


goldenbast
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Sub: #8 They may be licensed, but they are in no way, shape or form legiSun, 10/28/2012 - 03:30



They may be licensed, but they are in no way, shape or form legit. A legit company would not do the things this company is documented as doing. Sure, they may act legit for some when they actually have the required documentation, but NOT having this documentation does not stop them one whit from resorting to downright illegal tactics.

So many people, likely the ones who work for these companies scream about people paying their bills, but they curiously shut up when it is pointed out that these very same companies use illegal tactics to get money and more often then not don't even have a legitimate claim....I find it incredible that they would have the audacity to even ask for money with no documentation, but they do.


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Sub: #9 The are licensed and legit. They did sent me validation of debt Sat, 10/27/2012 - 19:46



The are licensed and legit. They did sent me validation of debt letter when I asked for it. I had defaulted on a line of credit from Cash Net USA, which is a LICENSED credit service organization in most states. The guy I spoke to was very courteous and professional. They offered me different options to resolve my outstanding debt.


OhioGal1
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Sub: #10 There's no way you would've received the title back if it wasn'tWed, 03/16/2011 - 13:31



There's no way you would've received the title back if it wasn't paid in full. This is a scam. Tell her to FOAD :)

How to Deal with Unlicensed/Illegal Payday Lenders - Step by Step Instructions

I am not an attorney. I am not offering legal advice. The information and ideas I share are my opinion only and do not necessarily reflect the opinion(s) of the owners of this website.


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