NCB Collections and Advanta

Yes, NCB is a collection agency to whom the creditor might have sold your credit card debt. Now since they are calling you for the debt, you should send them a debt validation letter to check whether NCB is authorized to collect the debt or not. You can contact NCB at the following address:
NCB Management Services, Incorporated, One Allied Drive
Trevose, PA 19053.
If they cannot validate the debt, they cannot continue collecting the debt. However, if they can validate the debt, you can negotiate for a settlement plan and pay it off.

Call her back and check on it. Advanta apparently can be difficult to work with, though.

I sent NCB a Debt Validation Letter and still haven't recieved anything back. After about a month I got a message from one of them on my phone saying they wanted to get this taken care of, but I really don't want to settle with anybody until I get some kind of proof that I can settle with them.

I just got an offer from them for 45%, don't know if I should take it. I could come up with the money, but I still have to make settlements with AMEX, Wellsfargo, and Capital One.

I posted this comment in the settlement forum as well, but you need to find out, thru debt validation, who owns this debt, Advanta the OC, or if it was sold off to NCB, which may be a JDB. I wouldn't pay a JDB anything. According to your June 1 post, NCB has not validated. So I wouldn't deal with them until they do. If NCB is a JDB, they bought this debt for pennies on the dollar. 45% will be a huge profit for them. If you do want to settle with them, they may take less later.

How hard are the other creditors pressuring you? I would be more anxious to settle with an OC who might take you to court and has a better chance of proving their case.

Don't be too anxious to settle quickly. Delay is always to the advantage of the debtor.

NCB appears to be a junk debt buyer. I don't believe Advanta owns the account any more. My credit report shows that Advanta charged it off. However, he sure is making it sound like he is still collecting for Advanta, but that just may be a tactic. Do JDBs typically take people to court?

NCB from there website seems to be a third party collection agency.

So do you think i can still settle directly with Advanta

It depends on the contract. A lot of companies place accounts under a contract with third party collection agencies. Once placed they wont work with you unless their is a verifiable FDCPA violation as they have to pay the CA their commision regardless as to where the payment is sent.

That makes sense, I really don't know what this one is.

do you know since NCB is a third party collector- are they able to take you to court or have any "power" do do anything @ all? They are bugging me now ... I would like to settle but it sounds from what I have read, I need to first mail them a debt validation before moving forward. I would rather let it go as "charged off" but I don't understand- after "charged off" occurs to you still owe anything? I thought it just messes/stays on your credit for a long time but you owe nothing @ all once the charge off is done? I want to make sure they can't go after anything?

Charge-off just means they reported it as a loss on their taxes. If/when they recover those funds, they will change that status to COR (Charge-off Recovery). The Debt Validation is just to make sure it is on the up & up. It is there to protect people from fraudulent collections and the adding on of illicit and illegal monies on to your account balance.

If you aren't suspicious of the reported amount, then go ahead and negotiate a settlement - otherwise ask them to verify the debt.