You need to send them a certified, return receipt debt validation, cease and desist calling, or "not me" letter (think of it as the best $6.47 you ever invested). Also send it first class mail in case no one will sign for it. Make a notion 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
NATIONAL CREDIT ADJUSTERS, LLC AKA NATIONAL CREDIT ADJUSTERS AKA NCA AKA INTERNATIONAL HOMES (AFFILIATED BUSINESS) AKA 4 SUM INC.
Posted in: http://800notes.com/Phone.aspx/1-800-835-9313
http://800notes.com/Phone.aspx/1-620-665-7178
http://800notes.com/Phone.aspx/1-800-286-5427/12#p1047645157267999770
http://800notes.com/Phone.aspx/1-415-795-9995#p1085824101187411326
Web site lists them in Kansas: https://ncaks.worldsecuresystems.com/contact.htm
Never saw this before. BBB says that their accreditation was revoked, gives them a B+ with 226 (BBB removed 6 complaints so they could get a B+ rating) complaints, and a government action against them for illegal activities: 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
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.
Read up on your rights here and also make a complaint at this government site: http://www.consumerfinance.gov/
Also file a complaint with your State Attorney General's office.
List of State AG’s offices: http://800notes.com/faq/attorney-general
Also file a complaint here: http://www.osbckansas.org/consumers/complaints.html
Yeah, I usually try to avoid websites like that so it doesn't look like I am endorsing them. If you want to find our about court cases simply search v (company name)
Nice informative post Mutton. You received call, you called them back, didn't settle for some deceptive acronym name, and had them disclose their full legal name. You did a search online and it led to more information on a page that discussed various illegal debt collector tactics and legal action taken when used by this corrupt organization and their personnel. All of that is good information for consumers fighting illegal debt collector call tactics.