National Credit Systems

National Credit Systems, Inc. (NCS) is a debt collection agency that has been in business for over 30 years. It is headquartered in Marietta, Georgia, and has offices across the United States.

Who Is National Credit Systems

NCS collects debts on behalf of a variety of creditors, including apartment owners, banks, credit card companies, and medical providers.

According to their website, NCS collects the following types of debt:

  • Rent
  • Credit card debt
  • Medical debt
  • Utility bills
  • Payday loans
  • Student loans
  • Debts owed to the government

NCS’s business model is to collect debts on behalf of its clients by contacting debtors and trying to get them to pay the debt. NCS may use a variety of methods to collect debts, including phone calls, letters, and in-person visits. NCS employs over 1,000 people and has an annual revenue of over $1 billion. The company is a member of the Association of Credit and Collection Professionals (ACA).

What To Do If Contacted By NCS

While debt collectors play an important role in the financial system, they are not your friends. They are not there to help you. They are there to collect money for their clients, and they will do whatever it takes to get the job done.

If you are contacted by a debt collector, it is important to be aware of your rights. You have the right to:

  • Verify the debt: Debt collectors are required to provide you with certain information about the debt, such as the original creditor, the amount of the debt, and the date it was due. If you are not sure if the debt is legitimate, you can ask the debt collector for proof of the debt.
  • Dispute the debt: If you believe that the debt is not yours, or that you have already paid it, you can dispute it with the debt collector. You will need to provide documentation to support your claim.
  • Make a payment arrangement: If you cannot afford to pay the debt in full, you can try to work out a payment arrangement with the debt collector. This may involve making smaller payments over a longer period of time.
  • Be treated fairly: Debt collectors are prohibited from engaging in certain harassing or abusive practices, such as calling you at unreasonable hours, threatening you with violence or arrest, or lying to you about the debt.

Complaints can be filed with the Consumer Financial Protection Bureau (CFPB).

It is also important to remember that you are not alone. There are many resources available to help consumers deal with debt collectors. You can contact your state’s consumer protection agency, the CFPB, or a nonprofit consumer organization for help.

By being aware of your rights and knowing how to protect yourself, you can avoid being taken advantage of by debt collectors.

National Credit Systems Complaints

Here is a summary of the complaints against National Credit Systems, Inc. found on

  • Calling at unreasonable hours. Several consumers have complained that National Credit Systems called them at all hours of the day and night, including late at night and early in the morning.
  • Threatening to take legal action. Some consumers have said that National Credit Systems threatened to take legal action against them if they did not pay the debt, even though they did not owe the debt or the debt was already paid.
  • Making false promises. A few consumers have said that National Credit Systems made false promises about how to settle the debt, such as promising to remove the debt from their credit report if they paid a certain amount.
  • Harassment and intimidation. Some consumers have said that National Credit Systems was harassing and intimidating them, such as calling them repeatedly or using abusive language.

It is important to note that these are just a few of the complaints that have been filed against National Credit Systems. Not all consumers who have been contacted by the company have had a negative experience. However, it is important to be aware of these complaints if you are being contacted by National Credit Systems.

If you are being contacted by National Credit Systems, you should:

  • Verify the debt. Make sure that the debt is actually yours and that it is not past the statute of limitations.
  • Request debt validation. Under the Fair Debt Collection Practices Act (FDCPA), debt collectors are required to provide you with certain information about the debt, such as the name of the creditor and the amount of the debt.
  • Dispute the debt. If you do not owe the debt or if the debt is not accurate, you can dispute it with National Credit Systems.
  • Be polite and firm. When speaking to National Credit Systems, be polite but firm. Do not let them bully you into paying a debt that you do not owe.
  • Know your rights. The FDCPA protects you from harassment and abuse by debt collectors. If you feel that National Credit Systems has violated your rights, you can file a complaint with the Consumer Financial Protection Bureau (CFPB).

By following these steps, you can protect yourself from NCS and ensure that your rights are respected.

National Credit Systems Contact

National Credit Systems
1775 The Exchange Ste 300
Marietta, GA 30339

Phone Number: (800) 253-6087

What Is The Law

The Fair Debt Collection Practices Act was passed to protect consumers from abusive and unfair collection practices by debt collectors. There are specific harassment type behaviors addressed in the FDCPA that apply to all companies that collect debt. If you are contacted by Enhanced Recovery Company regarding a past due account, you have certain specific rights. If those rights are violated by Enhanced Recovery Company, you have the right to specific remedies. These rights include making a report to the Consumer Financial Protection Bureau and filing lawsuit for violation of the FDCPA.