833-969-2364

Debt Collector
National Credit Adjusters....calling me because whoever had this cell number before me must have not paid their bills......I HAVE HAD THIS # FOR 5 YEARS NOW.......they still are calling for some dude named Jullain....I am not Jullain

Jullian,
please pay these [***] so they stop calling my #

Really easy for you to stop the calls.  However you can hope and pray that person actually owes something and stops by to see your post and then pays them.  Your choice.

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.

Website gives no address of any kind and only has a webform on their contact us page: http://ncaks.com/contact-us/

BBB gives them an A- rating even though they have 192 complaints and 4 negative reviews as of 11/30/20: https://www.bbb.org/us/ks/hutchinson/profile/ ... s-llc-0714-2205

Looks like the CFPB walloped them in 2018.  Funny the BBB did not mention that: https://www.consumerfinance.gov/about-us/news ... dley-hochstein/

Kansas Dept. of State info:

NATIONAL CREDIT ADJUSTERS, L.L.C.

3364528

Current Mailing Address: 327 W. 4TH AVENUE, 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

Annual Reports
The following annual report information is valid for active and delinquent status entities only.
Tax Closing Month: 12
The Last Annual Report on File: 12/2019
Next Annual Report Due: 04/15/2021
Forfeiture Date: 07/15/2021
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: DISSOLVED

Resident Agent and Registered Office
Resident Agent: 4 SUM, INC.
Registered Office: 327 WEST 4TH ST P.O. BOX 550, HUTCHINSON, KS 67504

Annual Reports
The following annual report information is valid for active and delinquent status entities only.
Tax Closing Month: 12
The Last Annual Report on File: 12/2018
Next Annual Report Due: 00/00/0000
Forfeiture Date: 00/00/0000

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