Nationwide Credit Corporation or NCC is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Nationwide Credit Corporation?
Nationwide Credit Corporation (NCC) is a third-party collection agency based in Virginia that specializes in collecting delinquent debts for healthcare providers. NCC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA) such as using illegal communication tactics and attempting to collect debts not owed. If you have been contacted by NCC, understand your rights before taking action.
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Is Nationwide Credit Corporation a scam?
They’re legit. According to the Better Business Bureau (BBB), Nationwide Credit Corporation was founded and incorporated in Virginia in 1970. The BBB established NCC’s profile page in 1995. NCC is listed as a collection agency that uses the alternate business name, N.C.C. Services. Buzzfile estimates Nationwide Credit Corporation’s annual revenue at $9.1 million and the size of its staff at 90 people.
According to its website, Nationwide Credit Corporation “is one of the largest and most respected collection agencies in the Mid-Atlantic region.” NCC’s stated mission is to “accelerate…clients’ cash flow cycle… to create a long and mutually profitable relationship.”
Who does Nationwide Credit Corporation collect for?
Nationwide Credit Corporation primarily serves clients in the healthcare industry. NCC’s affiliate, “Health Care Associates, Inc. (HCA) provides a broad range of business office services to healthcare providers, ranging from Early Out Programs to Special Projects.” In addition, “HCA representatives are specifically trained to service healthcare clients.” HCA offers pre-collect billing services, insurance outsourcing, payment monitoring, and computer conversion support.
In addition to healthcare, Nationwide Credit Corporation also provides collection services for clients in “retail, commercial, telecommunications, financial, education, government, and utility” industries. NCC’s full-service collection division offers 1st party collections, contingency collections, letter services, credit reporting, skip tracing, retuned check recovery, and legal services.
NCC’s website is client-facing and does not provide site visitors with a Consumer Resources page. They do indicate membership in several professional associations, including the American Association of Healthcare Administrative Management (AAHAM) and the Association of Credit and Collection Professionals (ACA International), but there is no information about compliance policies or training. The payment portal provides a state-specific legally mandated legal disclosure, but there are no links or references to consumer protection laws or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
How many complaints are there against Nationwide Credit Corporation – NCC?
The BBB has closed 8 complaints against Nationwide Credit Corporation in the past three years, with 1 closed in the past 12 months. All of those complaints allege problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has received 22 complaints about NCC. Justia lists at least 5 cases of civil litigation naming NCC as a defendant.
Nationwide Credit Corporation 5503 Cherokee Ave., Suite 100 Alexandria, Virginia 22312 Telephone: (703) 776-9260 Website: http://www.nccarm.com/
Can Nationwide Credit Corporation Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely NCC would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
In November 2015 in the United States District Court of Appeals for the Seventh Circuit, a judge issued an Opinion in a case alleging Nationwide Credit Corporation had violated provisions of the Fair Debt Collection Practices Act (FDCPA). In this case, the plaintiff had received medical care. The plaintiff’s medical provider submitted a claim to his insurance company, but when the insurance company asked for additional information, the healthcare provider failed to respond. As a result, the claim was sent to NCC for collection. NCC allegedly contacted the plaintiff by phone, and the plaintiff told NCC that his insurance should have paid the bill. The plaintiff mailed and faxed a letter to NCC disputing the debt. Two days later, the plaintiff received a letter from Nationwide Credit Corporation informing the plaintiff that it was “extremely important” for him to pay the debt in full. The letter also stated that collection activity would continue if he didn’t, and that NCC would report a negative item on his credit report. The plaintiff contacted Nationwide Credit Corporation and demanded that they acknowledge that he had disputed the debt. He also contacted the healthcare provider and requested that they seek payment from the insurance company. The insurance company agreed and informed the plaintiff they would take his account out of collections. The plaintiff notified NCC about this communication. Regardless, NCC subsequently sent a letter to the plaintiff requesting payment. The bottom portion of the letter acknowledged the plaintiff’s dispute, but asked for additional information and included the statement, “this communication is from a debt collector attempting to collect a debt and any information obtained will be used for that purpose.” The plaintiff in this case charged that the letter violated the FDCPA because it constituted collection activity on an account that had been disputed and that NCC had been notified was no longer in collections. Nationwide Credit Corporation attempted to have the matter dismissed by claiming that it was the result of a bona fide error. The court disagreed and found in favor of the plaintiff.
Nationwide Credit Corporation NCC Calling You?
Federal laws protect you. The Fair Debt Collections Practices Act (FDCPA) regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt. The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA).
Can I sue NCC for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal laws provide individuals like you with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
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“Thanks to the staff at Lemberg Law, I have peace of mind again. They worked quickly to find the harassing calls ended and were super considerate when I spoke together. I love the hard work!”
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Can You Help Me Delete Nationwide Credit Corporation NCC from My Credit Report?
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.