Beat National Credit Adjusters: Answer a Lawsuit

Did you receive a call about being served with documents? Perhaps someone claimed you owe $1,700 and offered to settle for $300.

You contact your original creditor in shock. The original debt was only $133. Your debt was sold to National Credit Adjusters.

National Credit Adjusters Suing You? Respond Now

You have 14-30 days to respond before losing automatically. Our partner Solo helps you draft and file your Answer to beat NCA in court.

Respond to NCA

You’re among hundreds of consumers being hounded by this debt collector. You can fight back and win.

Who Is National Credit Adjusters?

National Credit Adjusters, LLC is a third-party debt collection agency. They collect debt across multiple industries.

Their collection areas include:

Consumer and short-term loans
Credit cards and retail credit
Auto loans and lease-to-own agreements
Fintech financing products

They buy debt from creditors who stopped collecting (called “charge-offs”). When you pay them in full, they make huge profits. They purchased your debt for pennies on the dollar.

Debt collectors like National Credit Adjusters often try collecting wrong amounts. Some debts are even fraudulent. Always investigate before paying anything.

NCA is headquartered in Kansas with offices in Arizona and Jamaica.

Contact Information:

Mailing Address: P.O. Box 3023, Hutchinson, KS 67504
Email: info@ncaks.com
Phone: 888-768-0674

Verify the Debt First

Debt verification is your formal request for more information. National Credit Adjusters must prove you owe the debt.

When they send their collection letter, respond with a debt validation letter. Most debt collectors give up once they receive it.

The Consumer Financial Protection Bureau requires debt collectors to provide specific information. Submit your debt validation letter within 30 days of initial contact.

A debt validation letter works with our partner Solo to stop collection calls. You gain time to understand your situation.

Why Debt Verification Works

Verifying your debt provides three critical benefits:

Collection calls stop immediately: National Credit Adjusters cannot contact you until they prove the debt.
You learn about the debt: Never pay a debt you don’t understand. Documentation helps you determine legitimacy and spot scammers.
You can dispute successfully: They often cannot provide detailed proof. They must remove the debt from their records.

Know Your State’s Statute of Limitations

The statute of limitations for debt varies by state. When debt reaches a certain age, it becomes a “zombie debt.”

You don’t have to pay zombie debt. Most states set limits between 4-6 years. Collection agencies can still contact you about these debts.

They cannot sue you. You cannot be forced to pay.

Negotiate a Settlement Agreement

You can arrange a settlement with National Credit Adjusters. A pay-for-delete deal means they won’t report the debt if you pay.

National Credit Adjusters often accepts less than the full amount. They paid pennies for your debt. They only need partial payment to profit.

Request a written agreement once you settle on terms. Wait 30 days and check your credit report. Verify that National Credit Adjusters deleted the entry.

Contact them again if they fail to delete it. Document everything in writing.

Consumers File Hundreds of Complaints

You’re not alone in your frustration with National Credit Adjusters. The company received 408 complaints on its BBB profile over three years.

The Consumer Financial Protection Bureau reported 1,566 complaints against them. That’s nearly four times more than BBB complaints.

Here’s one real example from the CFPB database:

“After negotiating a settlement and paying such settlement, they refuse to report the account settled. I’ve tried several times via dispute to get them to correct this. They refuse, which makes it look like the account is still open.”

The Fair Debt Collection Practices Act protects you from abusive tactics. You have rights under the FDCPA to fight back.

How to Beat National Credit Adjusters in Court

If National Credit Adjusters is suing you, you can represent yourself and win. The first step is responding to the lawsuit.

Work with our partner Solo to draft your Answer. Follow these six tips to respond properly:

1. Keep Your Answer Simple

Your Answer isn’t the place for elaborate stories. Focus on responding to claims in the Complaint document.

You can admit, deny, or deny due to lack of knowledge. Keep it straightforward and factual.

2. Deny Most Claims

Most attorneys recommend denying as many claims as possible. You force National Credit Adjusters to prove their case.

They must do more work to win. Many debt collectors drop cases when you deny claims.

3. Include Affirmative Defenses

Affirmative defenses are legal reasons NCA should lose. The statute of limitations is a common defense in debt lawsuits.

The statute of limitations is the time period for suing someone. If the debt is too old, the lawsuit is void.

4. Use Standard Formatting

Include a caption at the head of your Answer document. List the court information, party information, and case number.

Courts expect specific formatting. Follow local court rules for style requirements.

5. Add a Certificate of Service

You must serve your Answer to National Credit Adjusters. Include a certificate of service at the end of your document.

Verify the address you used to serve NCA. This proves you sent them a copy.

6. Sign Your Answer

Courts reject legal documents without signatures. Sign your Answer before filing it with the court.

This final step is crucial for acceptance. Don’t skip it.

Respond Before the Deadline

You typically have 14-30 days to respond to a lawsuit. The deadline appears on your summons document.

Missing the deadline results in a default judgment. National Credit Adjusters wins automatically. They can garnish your wages or freeze your bank account.

Respond immediately when you receive court papers. Every day counts toward your deadline.

What Happens After You Respond

National Credit Adjusters must prove they own your debt. They must show the amount is correct and within the statute of limitations.

Many debt collectors cannot provide adequate proof. They bought the debt without proper documentation.

The case often gets dismissed when they can’t prove their claims. You win without going to trial.

Frequently Asked Questions

What is National Credit Adjusters?

National Credit Adjusters is a third-party debt collection agency that buys old debts from creditors for pennies on the dollar. They collect on consumer loans, credit cards, auto loans, and other consumer debts across multiple industries.

How do I verify a debt from National Credit Adjusters?

Send a debt validation letter within 30 days of their first contact. This formal request forces them to prove you owe the debt and stops all collection calls until they provide documentation.

Can I beat National Credit Adjusters in court?

Yes, you can beat them by responding to the lawsuit with an Answer that denies their claims and includes affirmative defenses. Many debt collectors drop cases when you fight back because they cannot provide adequate proof of the debt.

What happens if I ignore a lawsuit from National Credit Adjusters?

Ignoring a lawsuit results in a default judgment against you. National Credit Adjusters wins automatically and can garnish your wages or freeze your bank account. Always respond before the deadline on your summons.

How long can National Credit Adjusters collect on a debt?

The statute of limitations varies by state but typically ranges from 4-6 years. After this period, the debt becomes a "zombie debt" that cannot be collected through lawsuits, though they may still contact you about it.