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National Credit Adjusters - What do consumers allege against them?

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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.




Hello to the entire forum....I had an illegal pdl loan with EPProcessing out of Nevada, I defaulted...begged for a repayment plan, never heard from anyone then received a collection notice from web collector....asked for a repayment plan and never heard anything....received phone calls from a collection agency....asked them to validate the debt...via Certified Mail Return Receipt, received the green card back but never received a validation of the debt the collection agency. Keep in mind that I previously borrowed from this company for almost 2 years and never a problem...I paid back to them, more than $1800 in fees. I sent them letters to the effect that they were illegal and not licensed to doing business in California....never heard from them. Just recently, I received a call from another collection agency about this same debt...he sent me a threatening letter stating that aggressive legal action was being prepared against me....but here's the clincher, I pulled my credit report and National Credit Adjusters collection agency is reporting me for an open collection account with EPProcessing being listed as the original debtor.
My question to all of you out there is first, is this legal?
Can two collection agencies go after you for the same debt?
If so, who do you repay?
Can your credit be negatively impacted without receiving validation of the debt?
What can I do to remedy this situation? Also, my original loan amount was for $600?
Finally, if you were me, what would you do to stop these predators?
Help
P.S. I filed complaints with the California AG and FTC against both collection agencies, yesterday.
Oh and for anyone thinking that I am trying to wiggle out of what I owe, this simply is not the case...I will pay what i am legally bound to, but I want assurances that I can make payments over a period of 3 mos, put this behind me and restore my credit...People, the last 2 years have been very tough and I felt that turning to payday loans for help was my only solution...I am carry the regret of my actions, daily. I appreciate and welcome all of your comments

Sub: #11 posted on Wed, 09/30/2009 - 10:07

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Someone applied for an pay day loan in my name and I have filed a million report and this company will leave me for a while with my peace and then after a year they will call you again 20-30 times per day even holiday and weekends, telling me weird scary things a lies. This has been going on for 5 years now. Please someone do something .

Sub: #12 posted on Mon, 10/05/2009 - 11:53

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I can appreciate your situation with National Credit Adjusters collection agency. From my own experience with my wife right now, the WILL sue you. In my wife's case, she never received any notification of a court date then suddenly received papers of judgment for 12k! These guys play dirty and you have to address the matter very seriously, just as I am forced to do for my wife.
This company has reps who are rude, bend the rules or possibly even break them with no sense of regret or remorse. I strongly suggest you pay the debt or get and attorney for advice.

Sub: #13 posted on Sat, 10/17/2009 - 12:09

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well reverend.suggestion noted,but you could have had the judgement vacated for improper service.i know too easy.instead bring up a scenario that never happened,and tell people to pay the debt without documentation.nice try.

Sub: #14 posted on Sat, 10/17/2009 - 12:14

paulmergel paulmergel
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hi is national credit adjuster a collection agency for payday loans??? are they real or scam???

Sub: #15 posted on Mon, 12/14/2009 - 13:12

RWILLIAMS RWILLIAMS

(Posts: 129 | Credits: )

yes they are my friend.

Sub: #16 posted on Mon, 12/14/2009 - 13:49

paulmergel paulmergel
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(Posts: 15514 | Credits: )

are you serious or just making a jokey joke???

Sub: #17 posted on Mon, 12/14/2009 - 13:51

RWILLIAMS RWILLIAMS

(Posts: 129 | Credits: )

Quote:
Originally Posted by RWILLIAMS
are you serious or just making a jokey joke???


i'm very serious.this is a bottomfeeder for payday loans,and illegal ones to boot.

Sub: #18 posted on Mon, 12/14/2009 - 13:54

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15514 | Credits: )

ok sorry, i guess i just misunderstood your reply. well, i will whipp out the c & d letter and send over to them. gotta keep my focus.

Sub: #19 posted on Mon, 12/14/2009 - 13:57

RWILLIAMS RWILLIAMS

(Posts: 129 | Credits: )

Hi there, I am having the same problem w/ this company called national about a payday loan that i supposedly filled out online...the only problem with this is that my ex-boyfriend filed for it, received the money into MY checking account and now they are coming after ME!!!! his email address was listed as the contact address, so WHY are they coming after ME when I didn't even sign up for this?!?!!?! I am dealing with a Shelly Martinez, and I am going to be filing bankruptcy in the next couple of days....do you think they will leave me alone then? Should I tell them that I am filing for bankruptcy so they can STOP calling myself and my family??

Sub: #20 posted on Fri, 12/18/2009 - 12:23

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