866-304-7249 - Does this number belong to National Credit Works?

A collector is required to send a dunning letter within 5 days of initial contact. Tell Cheryl Moore that she is not permitted to contact you, or your employer about this by phone or any other means other than the United State Postal Service. And if she does anyway it is a violation of the FDCPA.

Now you need to send a debt validation letter the collector. The collector is required under the FDCPA to provide a copy of the original debt and the name of the original creditor. Many will not be able to do this because they will not have it.

Business Contact and Profile
Name: National Credit Works, Inc.
Phone: (888) 875-2278
Address:
P.O. Box 364,
Buffalo, NY 14223

Business Category: Collection Agencies
BBB file opened: November 30, 2005


The BBB does not show this company linked to any other company.

And the post from the guest above is very good advice!!!

I have had several calls from NCW, but the message was either cut off or spoken so rapidly that no one could understand it. Today I spoke to a Ms Moore...I tried to explain the situation to her, but she kept cutting me off and threatened me with legal action. This debt has to do with Chase...up to 4 months ago I was paying me bill one time, and for the last 4 months I have taken out the allotted amount for the bill. I found out that the original "company" I was paying for this bill is out of business due to bankruptcy, I was given the FA Holdings Group number, and the phone number for the Bankruptcy court - they referred me to the attorney handling this case. I called him several times and left messages but never heard back. Now NCW is telling me this is going to court, I never received any kind of notice from them, they had the wrong address on top of everything else. I am very upset because now I have to come up with a rather large amount of money because Ms Moore is refusing to work with me. I just read the letter above and when I talk to her tomorrow I will mention the above. Does the advise above apply in my case.

I had a PDL it was sold to foreigners and then to NCW. NCW started contacting me on my job and faxing papers to my job to verify my employment even though I told them I worked at the place of employment they where faxing (just rude). Never the less I filed complaints to the Consumer Affairs & BBB did no good. NCW got a warrant for me and would not work with me until they got their judgment against me.. I am trying once again to work with these people, because I have other bills. If they take money from me it will cause a trickle down affect. They are not concern about working with you in civil way. AND I THOUGHT THE LAWS HAD CHANGED NO MORE RUDE PHONE CALLS DEMANDING MONEY, BUT WORK WITH THE CUSTOMER. WHO is Regulating that law? Good luck.

STILL TRYING

This very same b**** did the same thing to me...just last week. Keep all the paperwork from her, times and dates that she calls. Google: Law Office of Dean Malone. They helped me sue a PDL collector in 2008! and it all started w/ a fax they sent to my HR dept trying to "verify employment"...I had other illegal letters from them as well though..

With Ms Moore though, im waiting for her to f*** up again..so i can built a better case, than just with the fax she sent last week. Good Luck!!

How in the world did they accomplish getting a warrant & judgement against you!!!??? What did they charge you with?? You must have gotten a "legit" PDL...perhaps in the same state that you live in??....b/c most PDLs are fraudulent to begin with!!...and no judge would sign a judgement for a company that is conducting illegal and predatory business!! Additionally, if a judgement has been signed, they can simply take the money from your paycheck (garnish). Ive very interested in how they managed to take legal action against you..

I have received numerous calls from a Candace Petersen claiming that I have an uncollected debt from a past PDL with their office. Not only did she threaten me with legal action, threats of garnishment and the police picking me up. But she also refused to give me a collection debt letter. Staing her attorneys would not release any information on this debt they recieve a payment towards it. I'm sure this is a SCAM, but if more than one person file against this company we actually have a class action law suit if any debt collection laws were broke. Hell she broke two just with me.....how many more out there.

We starting receiving calls from this group this week. They have called our home, cell phone, my wife's employer and even my father-in-law. They even went into detail with my father in law regarding this so called matter. So glad we have Pre-Paid Legal because I contacted them today and they are taking care of this for us.

This blasted outfit keeps calling me regarding an ex husband of more than 20 years ago that probably owes everyone, including me but I have absolutely no debts. I have never, ever, ever been treated so rudely in my life by somebody named "Linda Parella" which is probably not her real name. She never shut up and let me talk and acted like it was my fault I was getting these calls because I was not working with them. I have nothing to work with them about! I'm sure she didn't hear me because she was yelling the entire time but I told her I would contact the State
Attorney General if they ever called my number again. And I will.

This hanious b---h Ms Cheryl Moore keeps calling me and telling me that she is going to put out a warrant for my arrest. I called the Federal Trade Commission about NCW and MS Cheryl Moore. They said they have numerous complaints aganist NCW and Ms Moore and they are investigating her for deceptive practices in direct violation of the FDCPA. She calls relentlessy. The FTC said that a collection agency has no right to tell you they will garnish your wages, have you arrested or contact your employer under any circumstances. The government needs to arrest her a** and put her in jail where her f*****g a** belongs!!!

I've had two automated calls this week for a person who doesn't live here, and when I called back to tell these arrogant, narcissistic, overbearing, mendacious, bothersome morons that, I was first assured that the person being sought must have given my telephone number, which is BS. I told the people to make a note of my number, and do not call it again. And in the second call, I asked what the acronym stood for, and the obnoxious cow refused to tell me. I asked to speak to a supervisor and the cow talked over me, asking me repeatedly if I knew the person being sought. I told her what I thought of her and her ancestry and hung up, then I called back, got the same bovine, again asked for a supervisor, and she refused, continuing to ask me repeatedly if I knew the person, then stating that I must not have anything better to do. I told her much more of what I thought and that if I got one more call from you bottom feeding pricks, I would at minimum file an FCC complaint.

This Ms peterson started calling our home 3 weeks ago for a Cashnet usa PDL we had in NM she said that if we did not pay within the week she would issue a warrant for mine and my husbands arrest. Im scared! She said they tried to take the money out of our accout that we had the PDL thru and it didnt go thru so the warrant would be issued... I dont know what to do about this? She called my inlaws and told them everything about this account and about the warrant. any advice???

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A Sonja Washington keeps calling me over and over at work and on my cell. I have already expalined to her MANY times I cant take personal calls at work. So she then has a "warrant clerk" call me 2 seconds later stating she will put a warrant out for my arrest if I dont resolve this now. Then they called back 2 more times acting like they are interested in the serives my job provides trying to get names and voicemail boxes of other employees at my job. Then they called back again acting like they want a job so they could get our HR dept, then again trying to get our fax number, she made up a lie about faxing a quote over to our sales dept..... They just dont give up and make up all kinds of lies. After getting the fax number they sent over a employment verification letter that states they are requesting employment location information on me. I guess they think they are going to try to issue and warrant so they need my work address, idk. Does anyone know what all they can really legally do? Seems a little odd to me so decided I would do some research!

The warrant clerk is now calling me as well....They keep saying they are pre-litigation dept. Im going to call cashnetusa and tell them what their collectors are doing. I so wish that CNU would let us pay them...wonder what would happen if we just sent a cashiers check to CNU for the amount owed??
Shazzers, thanks again for answering my post. I hope to God they dont start calling mine or my husbands work.
I will keep checking in here to see what happens next

Selected Entity Name: NATIONAL CREDIT WORKS II LLC
Selected Entity Status Information Current Entity Name: NATIONAL CREDIT WORKS II LLC Initial DOS Filing Date: MAY 18, 2010 County: ERIE Jurisdiction: NEW YORK Entity Type: DOMESTIC LIMITED LIABILITY COMPANY Current Entity Status: ACTIVE
Selected Entity Address Information DOS Process (Address to which DOS will mail process if accepted on behalf of the entity) NATIONAL CREDIT WORKS II LLC
3719 UNION ROAD
SUITE 221
CHEEKTOWAGA, NEW YORK, 14225 Registered Agent NONE

*** LOL THIS IS THE INFO YOU NEED!!!! GO AFTER THEM WITH STATE ATTORNEY CUDDEO WHO IS SHUTTING THESE COLLECTION AGENCIES NOW!!!!*****

THE OWNER OF THE COMPANY IS

*** DOUG MACKINNON** HE IS THE BIGGEST LOSER IN THE COLLECTION INDUSTRY!!!!!

Selected Entity Name: NATIONAL CREDIT WORKS II LLC

Selected Entity Status Information
Current Entity Name:
NATIONAL CREDIT WORKS II LLC
County:
ERIE
Jurisdiction:
NEW YORK
Entity Type:
DOMESTIC LIMITED LIABILITY COMPANY
Current Entity Status:
ACTIVE
Selected Entity Address Information DOS Process (Address to which DOS will mail process if accepted on behalf of the entity)

NATIONAL CREDIT WORKS II LLC
3719 UNION ROAD
SUITE 221
CHEEKTOWAGA, NEW YORK, 14225 Registered Agent NONE

This is also funny!!! It seems they are using this company as their "processors" but its just another collection agency!!! dont pay these people if they start calling also!!!!

FPPSG LLC. (fortune portfolio and processor service group) ** THIS IS "NATIONAL"!!!!!!!!!!

changes their phone numbers when things get hot, we have been tracking them for the last year

They seem to always have numbers from Texas, but could be from any state since collection agencies have phone systems that allow to use different phone numbers.

Last known numbers:

512-236-5451 (this is number currently using)

previous #s

936-465-9374 ( PUT THESE NUMBERS INTO GOOGLE AND SEE COMPLAINTS) LMAO!!!!
936-465-9371

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This "NCW" outfit also started calling my husband and he is not delinquent on any payments; nor has he ever taken out a PDL (even online or at a brick and mortar place) I think they are a SCAM and just try to "phish" for any info they can get from you. I don't believe that they are legitimate; unless of course his identity was stolen but we have not rec'd anything in the mail about being delinquent. I also had him check his credit report and it's A+. So.....that makes me think that these people are not legitimate and I would NOT give them any info until they mail you a letter proving the debt (WITHOUT you having to give them the address or ANY personal info-since they should already have that from the creditors they "work for") Just my opinion!! :0)

I got a call from them yesterday and claimed that I owed a debt and that if I dont respond in 48 hours, they would garnishm my wages and notify my employer. I did call them back and told them I was willing to work with them, however; this was the first time I've heard from the, and that I needed documentation so I can review it and go foward with it. She then told me she had no time to mail me the documentation, but she will email it to me...which I never received. She also said it was a time sensitive situation and I needed to get back with a decision and volunteerly pay for the outstanding bill or they will go on and take me to court. Is this legal? All I need is some documentation here! It seemed that she wanted payment only by debit/credit card or my bank account info. What are my rights? Are they violating anything? I thought they can't threaten wage garnishment without going through the court first. I also thought ebt collectors are suppose to send you written documentation after first contact within 5 days before they can move on to the next steps.

Dude, I don't want to be rude, but just read all the previous post. these people are scum. they are just collectors who have no ground. they are not attorneys and cannot sue you for an old a** debt. this debt is probably out of your credit report if they are collecting on any type of credit. If you took out a payday loan with any type of internet company or even a store front. Dude It does not matter. they have no proof and pay day loans cannot be brought to a court anyways. It was a loan, so your bounced check does not matter. Lol Im telling you, DONT WORRY!!!!!

I did read the previous post however, everyone on here has their story but not their outcome. Did they just all of a sudden stop calling? Did they call their workplace?

NCW is actually higher up than the basic collections agency. Once collections efforts have failed to locate the original debtor and collect their debts, they hire outside companies such as NCW to do the dirty work for them. I have a friend who has worked with them for some time (luckily none of the names aforementioned in these posts), which I never realized until recently - I have received my own phone calls from them in the past. Apparently they do work with attorneys who prosecute these delinquent accounts, and though many of the things mentioned in this thread are indeed false or illegal as presented by certain employees, the company is legit.

OMG!!!! here we go again with collectors spaming the blogs. Please don't ever come on this blog and try to make NATIONAL CREDIT WORKS*** WHO IS OWNED BY THE BIGGEST LOSER IN COLLECTIONS (DOUG MCKINNON) sound like they are important. National credit works is just like any other bottom feeder and will buy debt like pay day loans to collect on them. They have no type of attorneys and if they do have an "attorney" call then they are just renting the name from the lawyer, but have no ground.

JANET74,

NATIONAL CREDIT WORKS IS SO LEGIT THAT THEY HAVE 7 PAGES OF BLOGS ON THEIR OTHER NUMBER!!! LOL COLLECTOR, NICE TRY!!!

http://800notes.com/Phone.aspx/1-866-618-5731

NCW is a scam. They called my work place repeatedly and relentlessly looking for a fellow co-worker and when I politely told them they werent available, they got really rude with me and started threating me and asking to speak to my manager, then asked to speak to someone in HR. They are notorious for claiming that you owe money but always fail to ever provide any documentation of any debt you supposedly owe. When they give you a number or email to contact them back with, its an invalid number or the email is "undeliverable." They will threaten to sue you and make sure you lose your job. JUST HANG UP ON THESE DIP SH*TS!!! THEY ARE ONLY TRYING TO STEAL YOUR MONEY!

I have been receiving phone calls from the same people. First off the PDL balance that they have is false, because they don't allow that amount in this area anyway. And I called Check Advance and they told me I didn't have an outstanding debt with them. I asked the person on the phone to send me a bill. And she finally did. With no contact person of course, just their company name, address, and telephone number. Its weird because they told me that the loan dates back to 2005 on the phone. Well I have received PDL's since then and they do not allow you to receive another PDL with an outstanding balance from another one here in this city.

Dont worry about it. You are completely correct about everything you stated. These people call on payday loans from online companies like (check n go, cash net usa) and store fronts like (advance america, check advance) and yes most all of them are over 3 to 5 years old. These people dont take anyone to court because its a waist of time. They know there is no way they can win becasue they are bottom feeders.

Douglas J. Mackinnon, Sr and his group of criminal debt collectors has shed his names and started over again. Since he and his partners bankrupted Unistatesd and associated entities in 2008, criminal master-mind Mackinnon has surfaced with a new name and an old game. Same lies, harassment, using the cover of a rent-a-lawyer to scare consumers into paying money they probably do not owe, on accounts Mackinnon and his associates may not legally own.

Several new names have appeared, two that surfaced recently are:

RESOLUTION MANAGAMENT, LLC
Collected by, JASON HEAD, PLC, Virginia Beach, VA (Rent-A-Lawyer)
& DRCML, LLC One of the new names being used by Mackinnon.

No debt collection or bond was found anywhere in the country for either name (including Jason Head, Rent-A-Lawyer)

Doug Mackinnon is still the best closer in the collection business.
He has closed every agency and lawyer who ever worked for him.
Currently, he and his co-conspirators are facing charges of where did the
$20 million go that investors sunk into his Unifund deal.

** THIS IS JUST AN EXAMPLE OF WHY YOU SHOULD NOT PAY THESE PEOPLE, ITS A SCAM, DOUG MCKINNON IS THE OWNER OF NCW..

I have a common first and last name and have received numerous of these calls in error. Very annoying. I have followed some links and to try to get to the root of the matter. Wanted to let others know what I have found. All seems based in New York.

From what I can find they are related in some way to several branches of Adams,Steves, Bradley Ltd but a large company of Cohen and Krassner is who may be at the top of the heap. They have a website www.cohenandkrassner.com. Phone is 201-664-0028 and 212-564-1900.

Phone numbers for some of the Adams, Steves, Bradley, Ltd are 888-669-8332, 212-695-8050, 646-961-4444, and 212-271-3025.

Hope this helps !!
Another annoyed person !

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I received a message on my answering machine from someone at the National Credit Works office yesterday, stating that they were instructed by their attorneys to contact me to try to settle a civil dispute, and if I did not return their call, they would issue a subpoena for my last known address and employer on October 15th. I have no idea what this is about... Judging from the previous posts, I'm assuming that this in reference to an old payday loan in 2008. HOWEVER, this is the first time that I have heard from this debt collector, nor have I received any correspondence from these, via mail. How should I handle this situation???

My mother-in-law has a collection out. after spending four years in germany we come back to tx and now NCW is calling us. I got in a yelling match with one of the workers and told her if she yelled at me again i was going to jump through the damn phone at her. she proceeded to hang up on me so i called them back and kept harrassing them that day. well they keep calling me back for her and i keep telling them that she lives over 200 miles away. i have contact the texas attorney general and by law they are NOT allowed to harrase you. I am not sure how many other languages i need to tell these people to leave me and my family alone in. I have read everyones post but i am not sure (other then texas attorney general) where to find the information to report these people. please help me!

I have really had it with these morons! What part of, "You are calling and leaving messages for the wrong person! Do not call me again!", can they not understand? I have had this number for 1 year and these idiots keep calling and leaving messages for some man. I have told them more than once that the man does not live here and that I have no idea who he is, nor do I care!

My son is coming by later or tomorrow to block their numbers and I am calling the state attorney generals office tomorrow. Aside from all this, I do not know what else to do.

soddinotme they do not understand. get an answering machine or change your number make it harder for them to contact you

Weird. I didn't have any of the unpleasant situations that everyone else had. They left several messages regarding my estranged niece, who is probably a skilled grifter after getting world-class training from my sister. I called them back, told them that I have been estranged for about 4 years or so, gave them my phone number and they politely agreed to not call me back. I even gave them the last two towns she was living in. They didn't even need verification of anything. Maybe you all set them straight! Good luck with your own situations.

PEOPLE, PEOPLE, PEOPLE....Just ignore them...If they want to try and get a warrant, good luck. It just shows how ignorant they HOPE you are. Just call the phone company and have their number blocked...done....

Today I got a phone call at my work place from a man by the name of MR. Smith with NCW, he told me that I was going to be taken to court for fraud and that I owed $3250.00 but they would settle out of court for $595.75. He stated that if I went to any wal-mart and filled out the Blue express form and sent in my payment all charges would be dismissed. I am kinda confused because I'm wondering if this is legit...Any advise would be helpful.

I received a call also from them just this last Wednesday, I told them I would pay them monthly with a money order, but they totally refused to give me an address saying that because of the situation they could only take checks or credit/debit cards. I told her I didn't have either, she said to go to Wal Mart get a prepaid card, put $457.00 on it and call her back. I then asked for verification of the debt, since this is the 1st time I have ever heard from them, she asked for my E Mail, which I gave her, well as of Monday, 4 days later, no verification e mail. Cecilia is the one that called me from there, also telling me that they would garnish my wages if this wasn't taken care of now.

i believe ther rep for cash net? does that ring any bells

they called me on cashnet loans taken out in beginning of this year jan of 2010 to be exact...sd cashnet was an online pay day loan

Can anyone give there phone extention. I like to call them back

No every has number block. Besite the have about dozen differend number.

"Can anyone give there phone extention. I like to call them back "

Cheryl Moore is X441

DO NOT RESPOND TO THESE PEOPLE! They are scam artists and they cannot come after you for a PDL that is older than 3 years, nor can they contact your place of employment once you tell them to stop. File a complaint immediately with your state's attorney's office. They cannot issue warrants and "warrant clerks" don't make phone calls!

A co-worker stated that this credit company called his house asking if he knew me. He then gave him a case number and number for me to call back. Is this legal?????????????

As an employer, I have had this company harrass my staff and myself for the past 2 weeks. They don't like that we refuse to give out any information regarding past or current employees over the phone. Both times, the guys on the phone were very condensending and almost biligerant to me - to the point they were screaming and arguing with me. What does the employer do in this case besides refuse to answer these calls?