Nemo’s Investigations and Collections or NIC 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 Nemo’s Investigations and Collections – NIC?
Nemo’s Investigations and Collections (NIC) is a third-party collection agency and private investigation firm located in Arizona. NIC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including failure to verify debts and attempting to collect debts not owed.If NIC has contacted you about past due financial obligations, make sure you understand your rights before responding.
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Is Nemo’s Investigations and Collections a scam?
They’re legit. According to the Better Business Bureau (BBB), Nemo’s Investigations and Collections is a legitimate debt collection agency founded in July 1993. The BBB also established a profile page for NIC in July 1993. NIC is a sole proprietorship and listed as a collection collector and investigator. Buzzfile estimates NIC’s annual revenue at $400,000 and the size of its headquarters staff at 4 employees.
According to their Facebook page, NIC is a collection agency and private investigation firm that specializes in shopping and retail accounts. There no posts from employees or management about NIC’s policies, practices, or company culture. Two consumers have left negative reviews of NIC’s collection tactics. NIC has received an overall rating of 1 out of a possible 5 stars.
A general internet search of NIC yields only a few results. Kununu.com, an employer review website, has posted a five-star review of NIC; however, this rating is the result of only one review about this company, which was posted by an NIC employee. According to the review, the employee “loves his job.” He has “worked many places and NIC is somewhere he feels at home and is able to make a difference.” Conversely, a consumer review on another website is very negative and makes claims that NIC uses threats and intimidation.
None of the information easily accessible via the internet provides any detailed information about NIC’s collection practices, client base, or regulatory compliance policies. In addition, there is no indication about whether NIC makes available to consumers access to consumer protection resources, laws, and 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 Nemo’s Investigations and Collections?
As of January 2019, the BBB has closed 12 complaints against Nemo’s Investigations and Collections in the preceding three years, with 9 complaints closed in the previous 12 months. Most of those complaints cited problems with billing and collections; a minority of complaints also cited problems with customer service. The Consumer Financial Protection Bureau (CFPB) has not posted any complaint information about NIC, and Justia does not lists any cases of civil litigation involving NIC.
Nemo’s Investigations and Collections 14631 N. Cave Creek Rd. Phoenix, AZ 85022 Telephone: (602) 996-6050
Can Nemo’s Investigations and Collections 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 NIC 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!
Complaints against Nemo’s Investigations and Collections commonly cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In August 2018, a complainant indicated that she had received notification of a delinquent debt and had paid the past due balance the previous March. She was subsequently contacted by NIC, and she provided them with a confirmation number and told them the dispute had been resolved. Regardless, NIC allegedly continued to contact her “because the payment was… still not showing up and that it may have been posted to the wrong account.” When she contacted NIC, a representative told her that “the payment was posted to the wrong date of service and that she would have the payment transferred to the correct date.” Later the same day, the complainant received confirmation that the error had been corrected. Subsequently, she received a notification from one of the credit reporting agencies that her credit report had dropped by 46 points “due to a new collection from NIC for $124” that had recently been added. The complainant stated that she was “currently in the house buying process and this dispute had caused her credit to drop.” She reiterated that she had “advised NIC several times that the account has been paid… and had even contacted the original company” at the request of the NIC representative. The complainant stated she had done as was requested, and that the account “should never been reported to her credit report and…needs to be removed,” so her score can be restored.
In its response, NIC acknowledged that the complainant had paid her bill online. They also stated that their client had “posted it to their account but it didn’t clear the visits NIC had… for collections.” NIC stated that they had contacted the client, who had agreed to correct the error. They also went on to explain that “when there aren’t specific instructions as to the date of service that the consumer wants the money posted to, … the client will for the most part, apply it to the oldest charges first or what’s in their office.” Because the consumer complained about the reporting error, “the account has been satisfied.” However, NIC insisted that it is the consumer’s responsibility to “let the creditor know their intentions,” or the client will “do what their company policies provide for.”
Nemo’s Investigations and Collections 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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These 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.
“The group at Lemberg Law was professional, courteous, and effective. Their grasp of consumer protection laws and guidelines are second to none, and they work extremely difficult to ensure this procedure is client-friendly.”
“After a few months of frustration with a debt collector, I eventually called Lemberg Law. It was among the best financial decisions I have ever made. Jody and her staff were comprehensive, useful, and above all else powerful. I highly recommend their services and thank them for their continual efforts.”
“I just wanted to let you know we received the check from your office on now and I wanted to take some time to inform you that we really appreciate all of your efforts in this matter.”
Can You Help Me Delete Nemo’s Investigations and Collections from My Credit Report?
We can absolutely help. Call us today.
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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.