480-428-1098

This number is ALWAYS calling for someone else and I have told them NUMEROUS times to stop calling me!!!!!

I just started receiving a call from this number.  So far 2 calls (which I just rec'd a call) and they will not leave a msg.  I have not idea who they are.

Calls not for me

just started getting calls not for me its an automated system a billing collector

This number called me this morning and did not leave a message. When I called back I asked what the company was, and the operator told me she answers for several companies and asked my name. I told her if they did not leave a message pertaining to what they wanted, I certainly was not going to give them any information. When I did call in you can tell it is a collection agency because it says if they have a pending lawsuit against you to press a certain number.

I just looked up this creditor (found it). Scum.

National Credit Adjusters - What do consumers allege against them?

[Join discussion]By Good Nelly

Ask Nelly

National Credit Adjusters, LLC is a collection agency (CA) located in Hutchinson, Kansas. It is a privately owned company specializing in collection of delinquent account receivables. The company is known to collect primarily on old payday loan accounts. There are certain instances where consumers have complained against this CA in the DebtCC forums. Read through the section below to know what complaints people have against them.

National Credit Adjusters complaints - How serious are the allegations?
Some of the complaints people have shared with the DebtCC community are given below. Take a look at them to find out how serious these allegations are.

•Collection of debts already paid off: A consumer alleges that the CA came after him to collect an old debt which he had already paid off. The CA claimed that he had to pay some fee for a missed payment he had years ago. The consumer told them the debt was paid off, but they threatened to take him to court! Know more.
•Contacting the wrong person: A lady complains that National Credit Adjusters claimed that her husband owed them a particular debt. But she found out that the debt was actually owed by some other person. Find more.
•Reporting illegal debt on credit report: A person says that the collection agency reported an illegal payday loan on his credit report. He says that the CA does not have legal right to report it to the bureaus as payday loans are illegal in his state. Get the details on this.
•Demanding excessive money: A customer says National Credit Adjusters collection agency demanded $570 from him for a loan of just $300. He made two payments of $133.50 each and they still wanted him to pay over $400! The customer had to file complaints against the CA. Find more.
•Harassment over illegal loan: A person says the CA came after him for a payday loan which someone else fraudulently opened in his name. He informed the CA several times regarding this, but they kept on calling him multiple times a day, even on holidays and weekends! Check out more on this.
A majority of the debts collected by National Credit Adjusters collection agency are old payday loans. Many of the consumers who have shared their complaints on the DebtCC forums have accused the CA of collecting on illegal payday loans, reporting them on credit report, etc. As most of the problems discussed in these complaints stem from payday loans, it seems relevant to look at the reasons why you should never take a payday loan in the first place.

Why should you avoid taking a payday loan?
Given below are some of the reasons why you should avoid taking a payday loan:



•High costs: Payday loans are unsecured debts and you do not have to go through credit check to qualify for them. This is why the interest rates on this type of loans are quite high. The average annual percentage rate (APR) on a payday loan can be as high as 300-400%, while the APR on a standard credit card is only about 12% or so. Apart from the high interest rate, the lenders also charge you finance fees which can often be higher than normal.
•Short repayment time: You usually have a very short time to repay the loan. The loan amount along with the fees can take up a good amount of your next paycheck. It leaves you with the same problem that actually forced you to take a payday loan. Some lenders may offer you installment plans if you fail to repay the loan on time. But it hardly helps you as the interest rate they charge on these plans are outrageous.
•Terms not disclosed: Some payday lenders include hidden terms in the loan agreement and these can really rip you off. For instance, a hidden term may allow your lender to double the fee for any kind of late payment you make.
How do you avoid taking a payday loan?
There are situations when you might be desperate to take a payday loan to meet certain expenses. But considering the risks involved in payday loans, it could be worth your while to check out some alternative options while avoiding a such a loan. You can borrow from your friends and relatives or can ask your employer for an advance on your next paycheck. If you have to spend extra money in a month, try to control your monthly expenditure and cut your budget accordingly. You should also build up an emergency fund to help you get over a sudden financial crisis without getting caught in a payday loan trap.



In case the CA calls you to collect an old payday loan or any debt account, you can contact them at:



National Credit Adjusters Address:
327, W 4th, P.O. Box 3023, Hutchinson, Kansas 67504



National Credit Adjusters phone number: 888-768-0674 (toll free)





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traci78
Posts: 106
Credits: 1,027


Send message to traci78 Sub: National Credit Adjusters - What do consumers allege against them?
Replied on 04-23-2007, 07:38 PM

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.






a_neblat
Posts: 405
Credits: 5,840


Send message to a_neblat Sub:
Replied on 04-24-2007, 01:56 PM

Even if the PDL company is doing an illegal business in your state, you are still responsible to pay the principal amount borrowed. I believe you have asked the documents from the CA to confirm about their legitimate collections.

Did you sign anything in writing with the loan company? You may go through the fine prints and verify the charges when the account is in default. The CA is not allowed to charge more than the permissible fees. If they fail to validate the account, show copies of your letter to the CRA and explain that the CA is illegally reporting in your file since they have failed to validate when requested. You need to have proof to get them off from your credit copy.






Tweety71



Posts: 2,041
Credits: 26,079


Send message to Tweety71 Sub: National Credit Adjusters complaints
Replied on 04-25-2007, 04:36 AM

National Credit Adjusters collection agency did the same thing to me...I dealt with a Lisa Ray....She claimed I owed 570.00 all together for a 300.00 loan with Borrow Cash Now.... I had made 2 payments on it 133.50 so far and she still wanted over 400.00 on the loan....I filed complaints against them and I still have not heard back from them.....wonder if they reported it to my credit report....I asked for it to be validated and nothing as of this date.......




__________________
~ Tweety~
When I'm good, I'm very good, but when I'm bad, I'm better.



traci78
Posts: 106
Credits: 1,027


Send message to traci78 Sub:
Replied on 12-15-2007, 03:21 PM

Sorry i havent been on in along time, i have had so much going on. Any way i just recently looked at my credit report again and National credit adjusters had taken their info off of my credit report. Because i had disputed over and over again that this was not a legit charge.






Anonymous
Posts: n/a
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Sub:
Replied on 11-02-2008, 03:51 PM

how do i contact someone from national credit adjusters collection agency. they have an open account on my credit report and i dont know what it is for.






NASCAR_Devil




Posts: 4,687
Credits: 30,149


Send message to NASCAR_Devil Sub:
Replied on 11-03-2008, 04:59 AM

Near the end of your report, there should be a list of creditors addresses. If they are not listed, call the crdeit reporting agencies and ask them for the contact info






Anonymous
Posts: n/a
Credits: 0
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Sub: not paying my bills and being a professional debtor
Replied on 03-09-2009, 04:07 PM

how can you exspect things not to go on your credit report when you become a dead beat and not paying your bills grant it all of the collection agencies should not violate the fdcpa but on the other hand you should pay your bills instead of sitting around trying to figure out how to beat the system why dont you become a good old tax paying bill paying american citizen instead of a whinning dead beat in other words the only way out is to pay your bills join the rest of society and come on in for the big win paying your bills is good for the economy and maybe your children could learn a little something from you being productive member of society think about it and stop crying you did it to your self






Anonymous
Posts: n/a
Credits: 0
[Check]

Sub: not paying my bills and being a professional debtor
Replied on 03-09-2009, 04:07 PM

how can you exspect things not to go on your credit report when you become a dead beat and not paying your bills grant it all of the collection agencies should not violate the fdcpa but on the other hand you should pay your bills instead of sitting around trying to figure out how to beat the system why dont you become a good old tax paying bill paying american citizen instead of a whinning dead beat in other words the only way out is to pay your bills join the rest of society and come on in for the big win paying your bills is good for the economy and maybe your children could learn a little something from you being productive member of society think about it and stop crying you did it to your self






Anonymous
Posts: n/a
Credits: 0
[Check]

Sub:
Replied on 03-09-2009, 11:51 PM

Kile, are you too dumb to realize that if a person has been laid off work and has no income, then they can't pay their bills? These people are not deadbeats! If you have a job, be thankful, you could lose it tomorrow.






Anonymous
Posts: n/a
Credits: 0
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Sub: National credit adjusters rip off!
Replied on 05-19-2009, 03:59 PM

Unfortunetly I've been recieving calls from them. About a credit card I had. 5 or 6 years ago I had paid it off all at once when I got my tax return I missed a payment so I expected the fee. Then I canceled the card on the same phone call. Hadn't heard anything from them since. I told the woman that and she said that it was most possable but that it may have generated another fee at midnight then another and so on. My total with all fees and interest was over 2000 dollars but they could settle for just under 400. And avoid leagle action. That the superiors needed an answer or take me to court. I told them I'd try to get back to them that we are going through some difficult times right now. Spoke with the hubby and I believe that it is unfair that I have to pay bout the same amount as before but was told I HAVE to pay it. Why? This debt was already paid years ago. Now it's some rude guy whome seems to be walking a very thin line on my answering machine. Worse and worse. What's going on?






Chrys Henderson



Posts: 2,559
Credits: 17,207


Send message to Chrys Henderson Sub:
Replied on 05-19-2009, 09:12 PM

Get together the proof that you paid already and tell them "see you in court".

Don't pay a dime of a debt that is not yours.




__________________
FRAUD: RECOGNIZE IT. REPORT IT. STOP IT.
Rip-off companies - FTC.
Phone harassment by Debt Collectors - FCC.
Banking issues, like ACH problems - OCC.



Unregistered
Posts: n/a
Credits: 45,795


Sub: EPProcessing/National Credit Adjuster/TK Financial
Replied on 09-30-2009, 09:07 AM

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






Unregistered
Posts: n/a
Credits: 45,795


Sub: National Credit Adjusters complaints
Replied on 10-05-2009, 10:53 AM

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 .






Rev. James G.W. Fisher
Posts: n/a
Credits: 45,795


Sub:
Replied on 10-17-2009, 11:09 AM

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.






paulmergel




Posts: 12,674
Credits: 87,824


Send message to paulmergel Sub:
Replied on 10-17-2009, 11:14 AM

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.




__________________
giving hope to the hopeless,help to the helpless,and hap to the hapless.



RWILLIAMS
Debt Samaritan


Posts: 127
Credits: 2,595


Send message to RWILLIAMS Sub: national credit adjusters scam???
Replied on 12-14-2009, 12:12 PM

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






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Received call no message I have no payday loans, no loans at all...  I have settled any and all debts from losing my job 5 yrs ago... They're in for a rude awakening if they start harassing me that's for sure!

They called me today saying they needed my patient information.  When I called the number back they answered Attorneys office.
I am on long term disability due to having a stroke is this legal?  To not announce whom they really are.  To me that's an automatic lawsuit for misrepresentation of who they are!