833-969-2357

scammers very old debit collectors - Call 2-4 times a day for a debit I paid off 8 years ago. They use number Changing apps then call you from Texas,Florida, Oklahoma, Michigan phone numbers, then your area code.  Legitimate businesses (even real debit collectors) don’t behave like this... Do not answer they yell at you and threaten they are getting you arrested, call people they think are related to you and tell them you are due in court, threaten you saying they are trying to serve a warrant..  they are parasites that can’t get legal jobs I guess....

Call super early on weekend mornings about old debts. Can barely hear them, sound robotic. Hung up.

Thank you for identifying these crooks.  Well known around here to violated collection laws.

You will need to send them a certified, return receipt debt validation (by law they have to go back to the original creditor to prove you owe the debt), cease and desist calling, or "not me" letter (this will be the best money that you have ever invested).  Also send it first class mail in case no one will sign for it.  Make a notation of that fact at the bottom of the letter.  You also need to report them to the proper agencies to which I have provided links to.  Then you need to go out and get a consumer lawyer to sue them on a contingency basis (no money out of your pocket) and let them pay you for the harassment.  If everyone did these three things, these crooks would be bankrupt, and we would all be the richer for it.  Use these web sites to find an attorney in your state that will probably take the case on a contingency basis (no money out of your pocket up front):  http://www.consumeradvocates.org/
http://www.consumeradvocates.org/find-an-atto ... tates_value=All

Everything else you need to know follows including at least two or more federal and state agencies where you should report their criminal activities.

NATIONAL CREDIT ADJUSTERS, LLC AKA NATIONAL CREDIT ADJUSTERS AKA NCA AKA INTERNATIONAL HOMES (AFFILIATED BUSINESS) AKA 4 SUM INC.

Web site no longer lists any type of address for them:  http://ncaks.com/contact-us/

Never saw this before.  BBB says that their accreditation was revoked, gives them an A- with 169 (BBB removed 64 complaints and the notation about and a government action against them for illegal activities) complaints and 4 negative reviews as of 9/12/20,:  http://www.bbb.org/wichita/business-reviews/c ... chinson-ks-2205#

Lots of complaints on their Facebook page:  https://www.facebook.com/pages/National-Credit-Adjusters/105253172875191

Kansas Dept. of State info:
Current Entity Name    Business Entity ID Number
NATIONAL CREDIT ADJUSTERS, L.L.C.

    3364528

Current Mailing Address: 327 W. 4TH STREET, HUTCHINSON, KS 67501
Business Entity Type: KANSAS LTD LIABILITY COMPANY
Date of Formation in Kansas: 08/30/2002
State of Organization: KS
Current Status: ACTIVE AND IN GOOD STANDING

Resident Agent and Registered Office
Resident Agent: NATIONAL CREDIT ADJUSTERS, L.L.C.
Registered Office: 327 W. 4TH AVE., HUTCHINSON, KS 67501
Current Entity Name    Business Entity ID Number
4 SUM, INC.

    2927499

Previous Names:
NATIONAL CREDIT ADJUSTERS, INC.
Current Mailing Address: Mark L Huston - P O Box 550, HUTCHINSON, KS 67504
Business Entity Type: KANSAS FOR PROFIT CORPORATION
Date of Formation in Kansas: 09/20/2000
State of Organization: KS
Current Status: ACTIVE AND IN GOOD STANDING

Resident Agent and Registered Office
Resident Agent: 4 SUM, INC.
Registered Office: 327 WEST 4TH ST P.O. BOX 550, HUTCHINSON, KS 67504
Kansas Office of the State Bank Commissioner info:
Name and Address
Name    Address    City    State    Zip    Phone Number
National Credit Adjusters, LLC    327 W. 4th Avenue     Hutchinson    KS    67501    (620) 665-7708

Supervised Lender Licensee Information
Name    DBA Name    License Number    NMLS Number    License Type    Effective Date    Expiration Date    Status    Status Reason
National Credit Adjusters, LLC         SL.0000445         Supervised Loan Licensee    01/01/2016    12/31/2016    ACTIVE    ACTIVE/LICENSED

Supervised Lender Branches
Company/DBA Name    Branch License    City    State    Status    Status Reason    Effective Date    Expiration Date
National Credit Adjusters, LLC    SL.0000445-BR.001    Chandler    AZ    ACTIVE    ACTIVE/LICENSED    01/01/2016    12/31/2016
National Credit Adjusters, LLC    SL.0000445-BR.002    Ottawa    KS    ACTIVE    ACTIVE/LICENSED    01/01/2016    12/31/2016
National Credit Adjusters, LLC    SL.0000445-BR.003    Peoria    AZ    ACTIVE    ACTIVE/LICENSED    01/01/2016    12/31/2016
Name and Address
Name    Address    City    State    Zip    Phone Number
National Credit Adjusters, LLC    555 W. Chandler Blvd #102    Chandler    AZ    85225    (670) 665-7708

Supervised Lender Branch Info
Company/DBA Name    License    License Type    Effective Date    Expiration Date    Status    Status Reason
National Credit Adjusters, LLC    SL.0000445-BR.001    Supervised Loan Licensee Branch    01/01/2016    12/31/2016    ACTIVE    ACTIVE/LICENSED
Name and Address
Name    Address    City    State    Zip    Phone Number
National Credit Adjusters, LLC    416 S. Main Ste 3    Ottawa    KS    66067    (855) 583-6020

Supervised Lender Branch Info
Company/DBA Name    License    License Type    Effective Date    Expiration Date    Status    Status Reason
National Credit Adjusters, LLC    SL.0000445-BR.002    Supervised Loan Licensee Branch    01/01/2016    12/31/2016    ACTIVE    ACTIVE/LICENSED
Name and Address
Name    Address    City    State    Zip    Phone Number
National Credit Adjusters, LLC    14100 N. 83rd Ave. Ste 290    Peoria    AZ    85381    (855) 583-6020

Supervised Lender Branch Info
Company/DBA Name    License    License Type    Effective Date    Expiration Date    Status    Status Reason
National Credit Adjusters, LLC    SL.0000445-BR.003    Supervised Loan Licensee Branch    01/01/2016    12/31/2016    ACTIVE    ACTIVE/LICENSED

Other complaints:
http://www.ripoffreport.com/reports/directory/national-credit-adjusters
http://www.ripoffreport.com/r/national-credit-adjusters/hutchinson-kansas-67504/national-credit-adjusters-national-credit-adjusters-trying-to-collect-a-debt-that-has-alre-244317
https://www.consumeraffairs.com/debt/national_credit_adjusters.html
http://ficoforums.myfico.com/t5/Rebuilding-Yo ... ers/td-p/605048
https://answers.yahoo.com/question/index?qid=20100421090524AACNbAp
http://forums.debtcc.com/settlement/about26387.html

Legal actions:
http://www.jdsupra.com/legalnews/government-a ... it-adjus-34528/
Looks like they got stiffed by a different criminal debt collection outfit:  https://getoutofdebt.org/94666/debt-collector ... owes-them-money
Looks like the New Hampshire AG was upset they had no security and gave out people’s information:
http://doj.nh.gov/consumer/security-breaches/ ... rs-20140605.pdf

Looks like they get sued a whole lot:
https://www.pacermonitor.com/public/case/9492 ... _Adjusters,_LLC
https://www.gpo.gov/fdsys/pkg/USCOURTS-moed-4_14-cv-00267/content-detail.html
https://www.pacermonitor.com/public/case/1129 ... _Adjusters,_LLC
http://www.open-public-records.com/court/michigan-15760056.htm
http://www.open-public-records.com/court/illinois-14629745.htm
http://www.law360.com/cases/4ed935d57eb86122b5000001

It is incumbent upon them under the law to prove that the debt exists and that you owe it, and (this is the important part) that they have the legal right to collect it.  You are not obligated under the law to prove that you don’t owe or that it is paid.  

Federal law (FDCPA) requires them to send you a letter (US MAIL ONLY) postmarked within 5 days of their first contact that contains their name, physical address, the creditor’s name, and the amount of the alleged debt. It also must contains “mini-Miranda” telling you that it is an attempt to collect a debt and that all information will be used for those purposes.  The one other important thing that this letter must also have in it is that you have a right to dispute the debt within 30 days of receipt of the letter and if you do so, all collection activity must be stopped until the debt is verified.  If and when you get that letter you should immediately send that debt validation letter by certified, return receipt mail.

First, you should make a complaint at this Federal Agency, and while there you should also read up on how debt collection is supposed to work as well as what your rights in this matter are: https://www.consumerfinance.gov/

Also file complaints with the FTC: https://www.ftccomplaintassistant.gov/#crnt&panel1-1

Also file a complaint with your State Attorney General's office.
List of State AG’s offices:   https://800notes.com/faq/attorney-general

Also file a complaint here: http://www.osbckansas.org/consumers/complaints.html