How to Resolve a Debt With Nationwide Credit Corporation
Nationwide Credit Corporation is a third-party debt collector that may sue you for unpaid debts. You can protect yourself by validating the debt, responding to lawsuits with an Answer, and negotiating a settlement for less than you owe. Taking action quickly helps you avoid default judgments and wage garnishment.
Respond to LawsuitPersistent calls and letters from Nationwide Credit can be frustrating. The debt collector may even threaten to sue. You might feel tempted to panic, but that leads to unwise decisions.
You have options to resolve debts with Nationwide Credit Corporation. Debt settlement might be your best path forward. Our partner Solo makes the debt settlement process simpler and less stressful.
Respond to Nationwide Credit's Lawsuit in 15 Minutes
Don't let Nationwide Credit win by default. Generate your legal Answer document now and protect yourself from wage garnishment and bank levies. Time is running out before your court deadline.
Answer the LawsuitYou’ll learn who Nationwide Credit is, who they collect for, and your rights under federal law. Most importantly, you’ll discover how to resolve your debt with this company.
Who Is Nationwide Credit Corporation?
Nationwide Credit is a third-party debt collection company based in Alexandria, Virginia. The company also calls debtors on behalf of creditors, extending credit providers’ call centers.
The company’s full name is Nationwide Credit Corporation. You may see the acronym NCC in correspondence. If you’ve received a call from Nationwide Credit, someone placed a past-due account in your name.
Here’s how to reach Nationwide Credit Corporation:
- Physical address: 5503 Cherokee Ave Ste 101, Alexandria, VA 22312-2307
- Mailing address: P.O. Box 9156 Alexandria, VA 22304
- Phone: 703-642-7500
- Website: nccarm.com
Who Does Nationwide Credit Collect For?
According to the company’s website, Nationwide Credit works with several types of creditors:
- Government agencies
- Utilities companies
- Health care providers
- Credit unions
Nationwide can contact you for past-due tax payments, natural gas bills, and medical debts. The company may also pursue other types of consumer debts.
Despite boasting the Better Business Bureau’s highest rating of A+, some consumers strongly disagree with that assessment.
Nationwide Credit Customer Reviews and Complaints
Nationwide Credit is Better Business Bureau accredited and has operated for five decades. Over recent years, NCC has received numerous complaints regarding its debt collection practices.
Consumers have submitted complaints via the BBB profile and the CFPB complaint database. A close look at both platforms reveals serious allegations.
Nationwide Credit has allegedly violated consumer rights by misrepresenting itself as a government entity. Here’s a real consumer complaint from the CFPB database:
“I received a letter with a County letterhead claiming to be the Department of Tax Administration. It claimed a tax lien and demanded payment. In the body of the letter, they informed me that a copy was sent to my previous employer demanding to garnish 100% of my income until the debt was settled. They threatened that unless payment was received in full by a certain date, they would file a suit at court.”
These misrepresentation allegations are serious violations of federal law. Nationwide Credit can face legal consequences if consumers decide to sue for FDCPA violations.
The Fair Debt Collection Practices Act Protects You
Debt collectors frequently abuse consumers’ rights. The Fair Debt Collection Practices Act establishes clear rules that NCC must follow.
Debt Collectors Cannot Use False or Misleading Representations
Collectors cannot lie about being federal or state government affiliates. They cannot claim that non-payment will lead to arrest or garnishment unless the action is lawful.
While NCC may collect back taxes for government entities, they cannot use any county’s logo to threaten consumers. Such tactics violate federal law.
Debt Collectors Must Not Mistreat Consumers
Collectors cannot ask you to pay more than you owe. They cannot solicit postdated checks to scare debtors. They cannot communicate with you about debt via postcard.
Every Debt Requires Validation
Within five days of initial contact, NCC must send you written communication. The notice must contain the amount of debt, the current creditor, and a statement of your right to dispute.
If Nationwide Credit violates your rights, you can report them to the FTC. You may also sue to receive up to $1,000 for each violation.
NCC can sue you if they believe you’re avoiding payment when you can afford it. Send a debt validation letter asking them to verify the debt. If they’ve already sent lawsuit papers, respond with an Answer document.
What to Do If Nationwide Credit Sues You
If you’ve been sued for debt, respond by filing an Answer into your case. An Answer helps you avoid losing automatically by default judgment.
Filing an Answer also buys you time to resolve the debt through settlement. Most consumers feel intimidated by court papers, especially during their first lawsuit.
Our partner Solo can generate your legal Answer in just 15 minutes. The platform walks you through every step of the process.
Three Steps to Respond to a Debt Collection Lawsuit
Step 1: Respond to each claim against you. Read NCC’s complaints carefully. Indicate whether you agree, deny, or deny for lack of knowledge.
Step 2: Assert your affirmative defenses. State why you’re innocent of the charges. Is the debt the result of identity theft? Did you already pay the account in full?
You must mention all your defenses here. You cannot bring them up later in the legal process.
Step 3: File the Answer at court and serve Nationwide Credit’s attorney. Most states have a deadline for filing the Answer. Check that your response reaches the court before the deadline passes.
Some states, like Virginia, don’t have a filing deadline. You still must attend a court hearing on the date the plaintiff set with the court. Keep time to avoid default judgments.
Resolve Your Debt Through Settlement
Debt settlement can help you resolve your debt with Nationwide Credit once and for all. You can negotiate directly with the collector to settle for less than you owe.
In a debt settlement, you offer Nationwide Credit a portion of the total amount due. Most settlements start around 60% of the debt’s value. In exchange for a lump-sum payment, the creditor agrees to drop its legal claims.
NCC releases you from the remaining balance. You walk away from the debt with no further obligation.
When Debt Settlement Works Best
NCC usually considers negotiating if you promise to make a lump-sum payment. They want to clear the remaining amount within a short period.
Debt settlement works best if you have some cash saved. You may also succeed if you expect to receive money soon from a tax refund or bonus.
Settling your debt helps you avoid a judgment and wage garnishment. You’ll save money and move on from this challenging experience.
Get Settlement Terms in Writing
If you decide to settle your obligation, get the terms in writing. Pay NCC before your court date to ensure the lawsuit gets dismissed.
If you’ve never tried debt settlement before, consider working with a professional. Our partner Solo provides a tech-based approach to debt settlement.
The software helps you send and receive settlement offers until you reach an agreement. Once you agree on terms, they help you manage settlement documentation.
Solo handles the payment transfer to the creditor or debt collector. Your financial information stays private and secure throughout the process.
Take Action Before Nationwide Credit Takes You to Court
You have powerful options when dealing with Nationwide Credit Corporation. You can validate the debt, file an Answer to a lawsuit, or negotiate a settlement.
Don’t ignore calls, letters, or court papers from this collector. Ignoring the problem only makes it worse and limits your options.
Start by requesting debt validation if you’re unsure about the debt. If they’ve already sued you, respond immediately with an Answer document.
Consider settling the debt if you can afford a lump-sum payment. Settlement saves you money and ends the stress of collection calls and lawsuits.