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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.




National Credit Adjusters, are they allowed to garnish ones wages for a debt not collected?
They are on my credit report from a debt back in 2006. I have disputed this with that company I had the agreement with. I dont have a debt with National Credit Adjusters or any agreements with them. They called to threaten me on the phone, stating that we will verify information, locations and employment information and garnish wages to payoff debt. WHAT??????? I dont think they can do that, can they? Its not child support... its a freaking Gym membership, come on now, how many of us get caught in those? But to take away the little income i do have, should i get an attorney?
thank you

Sub: #41 posted on Mon, 03/01/2010 - 17:04

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I had a loan with Titan Group. I closed my account and plan on settling with them soon, but I just got an email saying that now National Credit Adjustors has the account.

Here's my question. Do I have to deal with NCA or can I send them a letter stating that I will deal with the original creditor and not them? I don't want to deal with any collection agency, just the original creditor.

Is there any information on that? I'd really appreciate it. Thanks!

Sub: #42 posted on Mon, 03/15/2010 - 20:11

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If anyone has an answer for Stefystef, I'm very curious about this, myself.

Thanks!

Sub: #43 posted on Tue, 04/27/2010 - 13:48

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RE: I had a loan with Titan Group. I closed my account and plan on settling with them soon, but I just got an email saying that now National Credit Adjustors has the account.

Here's my question. Do I have to deal with NCA or can I send them a letter stating that I will deal with the original creditor and not them? I don't want to deal with any collection agency, just the original creditor.

Is there any information on that? I'd really appreciate it. Thanks!

If your company sold your debt to a debt collection company, then you now owe the collection company. Some companies sell their old debts for pennies on the dollar, so the collection company has a lot of motivation to collect the money (they get 100% of whatever they collect, since they now OWN the debt).
If the collection company is collecting the debt on behalf of the original creditor, then you should be able to deal with them directly, as they will still receive a portion of what you pay back.

Sub: #44 posted on Tue, 05/11/2010 - 10:45

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National Credit Adjusters, has been trying to harass me for years, this company loves to break rules! The have tried scaring me by telling me they would contact my Human Resource dept and have my wages garnish, nice try!!! They have called and used profanity over the phone screaming at me expressing how awful of a person I am. Threat after threat you named it they have verbally tried to rip me apart, for that reason they are the only company I will never pay a cent to. I was sold an account on top of another account without being aware of it. The sales rep changed all of my demographic info in the company's system so I never received a call or a bill by mail. The only thing he left was my date of birth, social security number and full name. Then NCA (National Credit Adjusters) began reporting on my credit report. Like I said ???I will never pay them 1 cent"

Sub: #45 posted on Wed, 05/19/2010 - 12:57

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Quote:
Originally Posted by Anonymous
basically they gave me the unsigned loans papers from CMG other than that they didnt send me anything else but a letter that says they expect payment in their office by 12/31/09.

National Credit Adjusters, has been trying to harass me for years, this company loves to break rules! The have tried scaring me by telling me they would contact my Human Resource dept and have my wages garnish, nice try!!! They have called and used profanity over the phone screaming at me expressing how awful of a person I am. Threat after threat you named it they have verbally tried to rip me apart, for that reason they are the only company I will never pay a cent to. I was sold an account on top of another account without being aware of it. The sales rep changed all of my demographic info in the company's system so I never received a call or a bill by mail. The only thing he left was my date of birth, social security number and full name. Then NCA (National Credit Adjusters) began reporting on my credit report. Like I said ???I will never pay them 1 cent"

Sub: #46 posted on Wed, 05/19/2010 - 12:58

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I can state from personal experience that the whole payday loan industry is a rip off. I had a loan with Ace Cash Express for $200 dollars. Unfortunately, I came across some difficult times and could not pay the loan back as agreed. The interest rate on these loans are outrageous and virtually impossible to repay once you miss a payment. The loan went to NCA and we were able to put this behind me. Granted I did have to pay more than what I borrowed but it was well worth the peace of mind. I am not an advocate of the payday loans. In fact I will never take out another one no matter what. I don't blame NCA nor do I hold think THEY have done me wrong. I personally feel that the lender is much more of a bottom feeder than any. LESSON LEARNED!!!!

Sub: #47 posted on Sun, 09/12/2010 - 16:47

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:rolleyes: It must be nice to perfect! Do not judge others until you have walked in their shoes. People that live in glass houses should not throw stones. Think about it! Most people do intend to pay their debts but things happen! Especially in this economy. As my mother always says, Think before you speak

Sub: #48 posted on Fri, 01/07/2011 - 08:08

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You may call them at 800-835-9313 x 1273 and ask for Jessica Long.

Sub: #49 posted on Thu, 02/03/2011 - 23:08

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why?nobody at NCA acts like a real human being.in fact the poster above is most likely jessica long so call at your own risk.

Sub: #50 posted on Fri, 02/04/2011 - 05:29

paulmergel paulmergel
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