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

File complaints against them with your state attorney general and the FTC.

I got home from work after being gone for the week my mom had this number written down I tried calling back and it went to a voice mailbox that was full or something. Im 25 I have never had a pay day loan or even a credit card in my name. I can't get a new car because I don't have a single item on my credit report never had and bills or a negative letter from anywhere always paid in cash for everything. Does anyone have and ideas what they could be after?

they probably have the wrong person. do you have a common name? ask them to verify you social security number... or they may be trying to get in touch with someone that you know.

My name is Barry and I also had a Payday loan that I did not pay from 2007. I got calls from a NCW National Credit Works at my job and they left messages at my In Laws. I had read blogs from this site and others and did not respond to the calls. I should have responded, because now I must appear to answer to checks that bounced to the payday loan company and an attorney froze my bank account. I'm sure that there are some collection scams out there, but I actually had a loan that I did not pay and I should have done something to pay it off. I thought that I could not get into trouble for something so long ago, but I guess it is because I used my banking info to get the loan. I am pissed and All of my bills are bouncing...I just wanted everyone to know, that if you had a loan, it is Not a Scam and don't let all these other blogs about not paying the money back get you into the situation that I'm in!!!!!!!

Sucks to be you because you work for these scammers. Too bad all of us that are legit can't filter out the riff raff like you.

If you truly are in trouble you need to get a lawyer and turn around and sue these con artists. They are bad blood from way back and are now churning up old debts they had through the other businesses. Do us all a favor and quit pretending to be a victim so you can scare people into thinking that they need to pay these scammers. :evil:

Nope not legal. Find the address posted in an earlier post and send them a C&D go to Bud Hibbs website he has templates of C&D and Debt validation letters.

barry is a humanoid plant/shill/bobo.no internet lender or collector for said loans can do what barry stated.back to the phones loser.

I've seen a lot of you make complaints can feel threatened by national credit works. I took a payday loan I couldn't pay off and it went to NCW. I missed 1 payment, they call me all the time even though I'm making payments. they leave me a voicemail telling me that they are suing me, investigating me for fraud, filing suit, going to garnish my wages... you name it! I finally got irritated enough that I began to do research. Last year they were sued 12 times for violating the debt collection law. I made a call to a consumer rights attorney who coincidentally just won a case against them. He accepted me immediately, advised me to stop paying, wrote me a cease and desist letter. Fact is they are breaking the law, making threats, lying... You name it. What they do is not legal. I'm suing them for the remainder of my PDL, plus the max $1000, and legal fees. I don't pay unless he wins the case, but since he just did this, he says we will, what do I have to lose? I was even informed they have never filed suit against anyone in my state, ever! So obviously they never intend to, the debt is too small. Keep your voicemail, if you get mail, keep it. And file suit. I take care of my debt the best I can, I don't deserve to be harassed and you don't either.

Thanks for sharing!

This is happing to me they said i had a credit card in the amount of $2000.00. I have never signed a agreement on a card that high. I asked for papers and verfication where i signed the papers. all she can say is her attorney can not give me that without going to court. they keep calling me but when i call back i cant get a hold of anyone...

Ha ha...you're funny...Doug owns....Like 12 Collection Agencies...They all bring him in atleast 100,000 per month in profits alone...You do the math and tell me this guy cant afford ATTY's...

You talk a big game...He buys legitimate debt and you are gonna get these guys in alot of trouble giving them false information about not having to pay their legitimate debt. Most debt takes atleast 5-7 years to go out of stat...All other debt is legitimate...Especially if the people received straight cash in their bank accounts that are "traceable".

Per the contract signed...They will be responsible for all Monetary compensation, Attorney fees, and court cost if it goes that far....If they have to appear in court...They will be served by their local process server. I have no idea why this guy thinks that payday loans arent legitimate debt?

Garnishment of wages
Leans and Judgements
Frozen accounts

are all outcomes of people trying to avoid paying back legitimate debt...This doesnt go away if you "Ignore" it...It's gets worst and eventually it catches up with you. Please dont listen to this idiot...I got my friend sued ...Listening to these idiots ...!!! Pay your debt ...Free up your conscious and please do not give these people a hard time...You know you owe it...What separates you from a "common thief"....??? The real bottom feeder is this guy posting the website!!!! Trying to convince people they shouldnt pay back their loans!!!!!

Ha ha...you're funny...Doug owns....Like 12 Collection Agencies...They all bring him in atleast 100,000 per month in profits alone...You do the math and tell me this guy cant afford ATTY's...

You talk a big game...He buys legitimate debt and you are gonna get these guys in alot of trouble giving them false information about not having to pay their legitimate debt. Most debt takes atleast 5-7 years to go out of stat...All other debt is legitimate...Especially if the people received straight cash in their bank accounts that are "traceable".

Per the contract signed...They will be responsible for all Monetary compensation, Attorney fees, and court cost if it goes that far....If they have to appear in court...They will be served by their local process server. I have no idea why this guy thinks that payday loans arent legitimate debt?

Garnishment of wages
Leans and Judgements
Frozen accounts

are all outcomes of people trying to avoid paying back legitimate debt...This doesnt go away if you "Ignore" it...It's gets worst and eventually it catches up with you. Please dont listen to this idiot...I got my friend sued ...Listening to these idiots ...!!! Pay your debt ...Free up your conscious and please do not give these people a hard time...You know you owe it...What separates you from a "common thief"....??? The real bottom feeder is this guy posting the website!!!! Trying to convince people they shouldnt pay back their loans!!!!!

i have also been sued, and now currently under garnishment for this company.. so i find it hard to believe there are so many consumers who really think this company is fraud, YES, they do practice unethical debt collection, but they are able, and they will sue and garnish if they find the opportunity, this is the 2nd garnishment that was hand delivered to my company, the 1st one was not filled out to it entirety, so my company "a collection agency" sent it back as not served, so as i work for a collection agency, i was told to start making payments asap, and i did this, but then i get a call saying they were refiling garnishment, because they could get more from garnishing me that my payments i was making.. so needless to say, i was served by a sheriff this morning at my job, not a warrant clerk, but a sheriff.. if these people call you, do not answer, or return the calls. as soon as you do, the harassment starts..

i agree, people need to stay off of here and stop posting incorrect information that will get everyone reading it in trouble , garnished, and lose everything because of these DEAD BEAT debtors who think they can go out and borrow and not repay, no intention of repaying.. yes. there are several unethical collection agencies, but that doesn't mean you don't pay your debt..

please #''s 63,64,65,and 66 are humanoid shills for this bottomfeeder.by the fact that these are not only in rapid order at one time,but that they are the only posts stating that this is legit and posting things that didn't happen.these losers above me should get back to the phones as i didn't buy anything the four posts preceeding mine stated.bottomfeeding scam collector nothing more.

wow Paulmergel, you should change your little pic to "expert debtor" my comments had nothing to do with yours, therefore, keep your lying tactics to yourself.. i am 65, and 66 have no clue who the other's behind mine are: i do not argue the fact that this so call collection agency is practicing unethical debt collection, and doing illegal stuff, i argue the fact that people are actually posting crap on here telling consumers not to repay their loans. doing that will get them no where but garnished.. i work for a collection agency, and you must not have read my post..i was served yesterday, by a sheriff where i live.. and as i stated before,, I WAS ACTUALLY PAYING THIS COMPANY, and they called me outta the blue one day last summer and demanded i pay more, threatening to garnish me if i didn't, needless to say, i like many other people on here told them to kiss my ass.. and they filed.. if you do not believe this company is legit, all you have to do is look up court case info and you would find alot of cases they have filed. oh, and on a worse note, my employer is sending the garnishment back if i pay this w/in 30 days, did you know these jackass's refused to give me moneygram info? they actually think i am going to pay them w/a check. THEY'RE OUTTA THEIR MINDS.

well since you gave no real info or case number.how can i do that?btw what state is this in?no place will be able to divulge court docs on their website so give some real info or GET LOST!!!!!!!!!!!!!!!btw i looked in my state of IL and found zip.nice to throw out the nondecsript BS and be called it.must stink to be you.

Paulmergel, do you work for this company this website is about? debt consolidation? anways, here is the info:
http://epwsgdp1.courts.state.va.us/gdcourts/caseSearch.do
copy and paste this, when it comes up, search under virginia beach court, and search national credit works. i don't want to give you my case #, then all my info will show on this blog, but you can do the above and all the court info comes up. i also went on another blog about national credit works, and there are tons of stuff on there. like i said in my earlier comment, i was paying them for about 6 months, $50- $75 monthly, and last summer they called me @ work and demanded i pay more money: when i told them i was paying what i could, they got judgement on me, then tried to garnish me in sept 2010 but they are idiots, and didn't have the correct information on the garnishment, so my employer sent it back.. they got me this time though.. also called the original creditor check n go, and verified the balance that was sold to national credit works,,
i work for a collection agency, and when my employer listed to the recorded calls from them to my job, they couldn't believe it.. they keep telling to me to go to the atty general.. but what can they really do, national credit works has had many law suits, and they are still in business..

sorry but that national credit works is not the one we are talking about.the one in NY is the one we are referring.one doesn't take action outside of VA BEACH,and the other is a total waste in NY.being in IL i have nothing to fear and neither should anybody not in VA BEACH.again stinks to be you.

so i guess you didn't do your checking up on that one in ny huh? and i guess you really didn't read the other blogs that people have gave the phone # and address info to this same one.. wow, you are a piece of work.. and i actually thought you knew what you were talking about, now i see you're just like all the other DEAD BEAT DEBTORS on here that are posting that they are not legit.. they same guy owns the collection agency in ny, as the one in va beach.. it really sucks to be you,and to be so uninformed, i honestly hope that NO ONE reading this blog takes anything you are saying to heart.. maybe someone that actually knows what they are talking about should be blogging, however you should not be..

again they called me two years ago scrub.i told them to sue me as i don't pay a voice on the phone.well nothing happened.now tard show me where this piece of work got judgements elsewhere as the link you gave only gave the VA BEACH records.okay they do take action my bad,but now stop acting like they can do that everywhere,or at least give examples of judgements in other states.as stated nothing in IL,and i doubt i will find many other states that have any info on them much less judgements.again sucks to be you.btw i stated that they have a reach in NY,and VA BEACH,but not anywhere else.show me where besides those two states.you can't so except for those two states bottomfeeder.just like hanna in GA.

we are not talking about other states, you merely stated over and over again this company was not legit, and blogging saying don't respond to them. i don't care where you are from .. if you took a payday loan online, then thats why these people were calling you.. it doesn't matter what state you are in, you can get a payday loan from most online sites.. and NCW is the agency that buys the uncollected bad debt.. if you do no live in the state where they are, then naturally, they are not going to pursue you.. i never said anything about them taking action in any other state, there fore i see now you really cannot read. BTW, what is a "bottom feeder"? is that like you being a dead beat debtor? or a career debtor? you should know about the "career debtor" and dead beat debtors.

crazy, you need to stop posting that this company is not legit, and this company can't garnish you..tell that to the ones they are garnishing... i really hope no one is taking any consideration to your post's.. they will end up like the many that are being garnished..

I have to call BS on whoever said they were paying them monthly and then they were garnished ... because why would they go through the work of a garnishment if you were already paying... it wouldn't get past a legit judge if you were honestly making payments

ANYHWO -- thought I would share mine.. got a call at my parents house from this company and they told my dad that they had already filed in district court... so of COURSE I went to teh court site and found nothing...received a call from Mr. Keith at home where on the message he was yelling that he was filing with the district court blah blah blah... called him back when I knew no one would be there and left a mesage that the next time he called my dad or left a mesage that I now have saved I would be filing charges with the AD and anyone else I could get to listen as what he did was completely unethical. (not to mention ILLEGAL)
NEXT DAY get another message for someone Mr. David I think stating that this was in relation to a PDL company. SO I came on here to get the address of National Credit Works to send my letter as I have already done so to the PDL etc...etc.. in the interim said PDL sent me an email stating my account was in good standing and I could borrow again (yea right) so sent a copy of that email as well. We shall see but I have to go with Paul on his posts... thsi company is not licensed in my state and I can't find anything legit about the company at all .. no legit webste no legit contact info.... and certainly no legit tactics. SO....

reply to guestfortheday: i would have never thought any one would garnish if you were making payments, but i was so wrong.. these idiots told me they wanted me to start paying more than what i was, and when i refused, they said they could get more if they garnished me, and so they did issue one, for 65% of my pay, so needless to say, i contacted the pay day loan company, found out what my balance was when they charged it off, and will be paying it coming up this week: now i am also considering paying off other debt so i don't have to go through this anymore.. been a very stressful situation being in work in collections.. its so funny how shocked my own company was when they heard the recorded conversations w/ this national credit works and myself.. they violated many FDCPA laws over and over again: they also continued to call me @ work after being notified not too.. they were even made aware every call was being recorded, but they just didn't care.. my company is now considering using these recordings in our FDCPA training.. they think they are great examples of what they do not want us to be..
Paul is absolutely correct when he state they are not licensed in his state, and i've only found judgement and garnishment info in my state involving them.... so, to all living in virginia, and getting treatening calls and messages from this agency, please go to va court records and look up virginia beach, va and search to make sure you haven't already been issued a court summons. if you truely owe the debt they are claiming, then the only thing to do is make arrangements to pay it..

This is a form of harrassment. When they call again, let them know that they are not to harrass you at your workplace. They can not fax or call your place of employment. Also tell them that they are breaking the Fair Credit Act Laws by doing that and that you have obtain an attorney. Make sure you have all the faxed copies from your work and then do obtain a lawyer. If you do win it's up to the collection agency to pay your lawyer.:p

Quit blasting this forum with your lies. You did NOT get a judgment or get garnished by this stupid company. You ARE an employee of these fools. You should be banned from this site.:mad:

Hey everyone. I am trying to clear up my debts here.. I've recently paid NCW believing I did the right thing. The amount was correct that they stated and the company that I had borrowed from was correct. After reading this site, I don't know what to really think anymore. Are these people really legit or are you guys saying that they aren't because you don't want to pay? I really want to clear up debts here, but I need real information. did I get scammed and paid the wrong company? The company no longer have my debts and it's not with NCW it's with another collection company but they claim to not have my file.. so I am only left with NCW who I think have my file... Please help!! Thanks

there is nothing legit about this place.yes they have default judgements in VA,but that is only because they are in VA.they violate the law hand over fist to get people to pay then turn around and give/sell it to another bottomfeeder.we always say to get validation before paying anybody because of all the bottomfeeders with access to information.next time demand something in writing and then send a DV letter.you unfortunately got taken.i would try to rescind the money if you can.if it was by credit card dispute it.if it was by debit card,or check try to dispute that too.it can't hurt to try.

Are you the same Barry I talked to that works for NCW. That's kinda odd that you would have the same name as one of there people and you are agreeing that they are not a scam. Get off of here you TROLL!!!!

k I'm freaking. These people contacted me today stating that they were going to file a judgement against me and put leins on all my property, includint home. vehicles, bank accounts. AND garnish my wages. In response to the person above I went to the link and searched under virginia beach for National Credit works and found about 10 cases against consumers. Ugh....now I'm really freaking. I live in texas and I know that texas is very consumer friendly, not usually granting wage garnishment. So, how worried should I be. Oh, yhey also said I could have criminal charges brought against me. HELP!!!!!

well first don't freak because all of the judgements were in VA,and most were default.in your state they can't granish period,can't seize bank accounts period.they can get a lein,but they must sue in your county,town,village,or bourough.also they must have a bond of 10,000.00 posted in TX to even collect in TX.first file a police report as the idiot broke the law in threatening things they can't do like garnish,seize bank acoounts.then use the address in this thread to fire off a DV(debt validation)letter.send it certified mail return receipt.then file an AG complaint as well.do not engage them on the phone again.there you have it.last thing they can't have you arrested for owing a debt proof of their bottomfeeder status.

NCW has been calling my house every few days for the last three months. I'm always at work when they call and leave a pre-recorded message. They are looking for my step brother whom I have NO knowledge of his whereabouts and he has never lived at my address. I'm guessing they used lexis-nexis to find my step brothers next of kin (me, unfortunately) and that is how they got my phone number. I have been on the national do not call list since it's inception. After reading some of these comments, I don't want to call them for I fear it will only make matters worse. I work for a lawfirm with ties to Public Justice and we have successfully shutdown mulitple payday lenders in our state. I am seeking advice on how to make them stop calling me. I plan to consult with some of the attorneys I work with monday regarding this meritless harassement.