National Credit Adjustors

Easy to take care of. Send the CA a cease and desist letter...

Dear CA
I hereby demand you cease all contact with me and my family by all means in regards to account #____________, creditor ______________.
You are collecting on an unlicensed payday loan and the contract I signed is invalid.

Educated Consumer

I've dealt with these guys before. Do exactly as soaplady says... these guys have been known to buy illegal payday loan debt and try to collect on it.

I sent the C&D letter and received the certified acknowledgement. However received another letter from NCA stating they had tried to contact me but had not received a response. They offered a settlement of $360.00 and with my request would clear from my credit report. Again this was for a payday loan with Liberty Group LLC. I live in Florida and I have not been able to find where they are registered. Since this is now on my credit report should I go ahead and settle to get it cleared. I am trying to rebuild by credit and don't want this showing up. Also don't know if I can trust they will mark it as PIF on the report. Do I have any legal options here? I made far above the principal already. I would appreciate your advise.

for one thing even if NCA did put it on your CR(which they don't do)it can be easily disputed off.i would file an AG complaint against the lender,and NCA.that letter is one of their tactics as they actually think they can legally report illegal debt.they can't.do not pay anything to this bottomfeeder.

Should I respond to them or just ignore?

They dunned you for a settlement after you sent them a cease and desist letter??? If so, they owe YOU $1000 for the FDCPA violation. Was the letter they sent you AFTER the date the signed for your cease and desist???

Where in Florida do you live?? (I am in Naples.) I know Morgan and Morgan down my way will handle FDCPA violations if necessary.

National Credit Adjusters
327 W 4th
Po Box 3023
Hutchinson KS 67504

Dear National Credit Adjustors.

RE: Your name, account number, original creditor

On ___________, I send you a cease and desist letter via certified mail. I received the green card back with your receipt date of __________ signed by _______________ (if you can read it.)
On _____________, I received a dunning notice from you, offering a settlement. (copy attached (attach copy of letter and envelope))


You have clearly violated the FDCPA,
805. Communication in connection with debt collection (15 USC 1692c)
(c) CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt.

As such, I am willing to settle this FDCPA violation for $1000, statutory damages for this type of case. You have 15 days from the date of the receipt of this letter to a certified check for $1000 plus a letter appologizing for the violation and with the conditions that this will NEVER be reported to the credit bureaus and you will never resell the debt. If you do not comply with my terms, I will be forced to hire an attorney here in the State of Florida along with filing complaints with the Florida State Attorney Generals office, the FTC and the ACA.

The letter I received from NCA was dated 8/16 and certified letter that I sent to them was received and signed on 8/16. Should I still send the letter as you stated. It could have been a timing issue as I have not heard anything further from them. BTW - I live in Jacksonville.
Thanks Soaplady - you give the best advise.

actually check your CR to make sure it's not on there.if not then as stated before they just say that to scare.they will however pass it along to another bottomfeeder so be aware of that.