Phone calls from debt collectors can range from mildly inconvenient to outright harassing. If you’ve been repeatedly contacted by National Credit Adjusters, you may already know how stressful it can be. But what many consumers don’t realize is that some of these calls may actually cross legal boundaries. If you’ve been subjected to National Credit Adjusters phone harassment, this blog will show you how to identify it, what your rights are, and how you can take action to protect yourself.
Who Is National Credit Adjusters?
National Credit Adjusters, LLC (NCA) is a debt collection agency headquartered in Hutchinson, Kansas. The company works with various types of debts, including payday loans, installment loans, and credit card accounts, often purchasing debt from original creditors or other debt buyers. Once they take ownership of a debt, they begin collection efforts—typically through letters, emails, and phone calls.
While debt collection itself is not illegal, National Credit Adjusters phone harassment becomes a concern when they resort to unethical or unlawful methods to pressure people into paying. Their name frequently appears in consumer complaints filed with the Consumer Financial Protection Bureau (CFPB), the Better Business Bureau (BBB), and online forums.
What Is Phone Harassment by a Debt Collector?
Phone harassment refers to any pattern of repeated, unwanted, or abusive phone calls from a person or business. In the context of debt collection, it means:
- Receiving calls multiple times per day
- Getting calls early in the morning or late at night
- Receiving robocalls or pre-recorded messages without consent
- Being contacted at your place of employment
- Hearing threats of lawsuits, wage garnishment, or arrest
- Experiencing verbal abuse, yelling, or manipulation
If you’ve experienced any of the above from NCA, you’re likely a victim of National Credit Adjusters phone harassment—and you’re protected under the law.
Your Legal Rights Under Federal Law
There are several federal laws that protect consumers from debt collection harassment. Understanding these laws is the first step in fighting back.
1. Fair Debt Collection Practices Act (FDCPA)
The FDCPA is the cornerstone of debt collection regulations in the U.S. It prohibits debt collectors like National Credit Adjusters from:
- Calling before 8 a.m. or after 9 p.m.
- Calling repeatedly with the intent to harass
- Contacting third parties (like your family or employer) about your debt
- Using threats, profane language, or intimidation
- Misrepresenting the amount or status of the debt
- Continuing to contact you after a written cease-and-desist request
National Credit Adjusters phone harassment often includes several of these violations, according to consumer reports.
2. Telephone Consumer Protection Act (TCPA)
If NCA uses robocalls or automated dialers to contact your mobile phone without prior consent, they may be in violation of the TCPA. This law entitles victims to $500 per violation—or up to $1,500 per call if the violation was willful.
3. Fair Credit Reporting Act (FCRA)
The FCRA ensures that only accurate and verifiable information appears on your credit report. If NCA is reporting a debt that’s not yours or refuses to correct false data, they may be violating this law as well.
Signs You’re Experiencing National Credit Adjusters Phone Harassment
Not all calls from debt collectors are harassment—but here are clear signs that National Credit Adjusters phone harassment may be occurring:
- Multiple calls daily to your home, mobile, or work phone
- Aggressive tone or threatening language
- Refusal to provide debt verification after your written request
- Calling third parties, like family or coworkers
- Continuing to call after you’ve sent a cease-and-desist letter
- False claims, such as legal threats or inflated debt balances
These behaviors not only disrupt your peace of mind—they may also be grounds for a lawsuit.
What Real Consumers Are Saying
Many consumers have taken to public forums and complaint boards to share their experiences:
“They called me six times in a single day, including at my job. I told them to stop, but they kept calling.”
“I asked for verification of the debt, and they never sent anything. Instead, they kept threatening to sue me.”
“They used an automated voice system to call my cell phone multiple times a day. It was overwhelming.”
These are not isolated incidents—they are examples of National Credit Adjusters phone harassment, and they are violations of your consumer rights.
Steps to Stop the Harassment Immediately
If you’re tired of the calls and ready to take control, here’s how to stop National Credit Adjusters phone harassment:
1. Send a Cease-and-Desist Letter
You have the legal right to demand that National Credit Adjusters stop contacting you. A cease-and-desist letter legally requires them to stop all phone communication, except for a one-time notice about legal actions they may take.
Make sure to:
- Send it via certified mail
- Keep a copy for your records
- Note the date you sent the letter
2. Request Debt Validation
Under the FDCPA, you have the right to request written verification of the debt. If National Credit Adjusters can’t prove that you owe the debt, they must stop collecting it.
Ask for:
- The original creditor’s name
- The amount owed
- Proof that they have the right to collect
3. Document All Calls and Messages
Keep a call log with:
- Dates and times of each call
- The caller’s name and number
- Notes on what was said
- Screenshots or recordings (where legally allowed)
These records are essential if you decide to file a complaint or take legal action.
4. File Complaints with Government Agencies
Report National Credit Adjusters phone harassment to the appropriate authorities:
- CFPB – www.consumerfinance.gov/complaint
- FTC – www.ftccomplaintassistant.gov
- Your State Attorney General’s Office
These agencies may investigate or even fine the company for illegal conduct.
5. Consult a Consumer Rights Attorney
Law firms like Consumer Rights Law Firm PLLC specialize in helping consumers stop debt collection harassment. If your rights have been violated, an attorney can help you:
- Negotiate with the collection agency
- File lawsuits under FDCPA, TCPA, or FCRA
- Seek compensation for damages
Most consumer attorneys offer free consultations and only get paid if they win your case.
What If You Actually Owe the Debt?
Even if the debt is legitimate, National Credit Adjusters phone harassment is never acceptable. You are still entitled to respectful treatment and full legal protection.
You have the right to:
- Dispute the debt
- Request a payment plan
- Communicate in writing only
- Report abusive behavior
Being in debt does not mean you have to tolerate harassment.
What You May Be Entitled To
If National Credit Adjusters has violated federal or state laws, you could receive:
- Up to $1,000 in statutory damages under the FDCPA
- $500–$1,500 per illegal robocall under the TCPA
- Reimbursement for emotional distress or lost wages
- Removal of the debt from your credit report
- Free legal representation (many attorneys work on contingency)
You don’t need to prove financial loss to win. The fact that the law was broken is often enough.
Why Choose Consumer Rights Law Firm PLLC?
Consumer Rights Law Firm PLLC has helped thousands of consumers nationwide who have faced illegal debt collection practices. If you’ve been experiencing National Credit Adjusters phone harassment, their legal team can help you:
- Determine if your rights were violated
- Collect and preserve evidence
- File a claim for damages
- Stop the calls permanently
They offer free case evaluations and will not charge you unless they recover compensation on your behalf.
Final Thoughts
Debt collectors are allowed to do their jobs—but they must do it legally and respectfully. If you’ve been receiving threatening, excessive, or automated calls from NCA, you don’t have to suffer in silence.
National Credit Adjusters phone harassment is not just annoying—it’s illegal. Whether you owe the debt or not, the law protects you from abuse, intimidation, and manipulation.
You can:
- Demand the calls stop
- Dispute the debt
- Report the agency
- Seek legal compensation
Take action today to protect your rights and restore your peace of mind.
Ready to fight back against National Credit Adjusters phone harassment? Contact Consumer Rights Law Firm PLLC now for a free, confidential consultation. You don’t have to face this alone—help is just a phone call away.
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