National Credit Adjusters (NCA)
National Credit Adjusters, LLC is a Hutchinson, Kansas company that, in its own words, "may acquire accounts" from creditors or have them "placed with" it for servicing. In 2018 the CFPB entered a consent order against NCA and its former CEO over collection companies it placed debts with. If NCA contacts you, ask whether it owns the account or services it, and for whom.
NCA's accounts often began with online, retail or auto lenders. Because it may either own an account or service it for someone else, the validation notice matters: it should name the creditor and itemize the balance.
Who NCA is
- What it does. Its site says it "works with creditors and may acquire accounts," and that "most times, a creditor or lender has sold an account to us or placed an account with us for servicing" (ncaks.com).
- Where it is. The CFPB described NCA in 2018 as a privately held company headquartered in Hutchinson, Kansas (CFPB).
- Phone. We do not publish a phone number for this company because we could not confirm one on its own website. Use the address or portal on your validation notice, or the company's own site.
How to check that it is really National Credit Adjusters
- Get the validation notice. A debt collector must give you written validation information in its first communication or within five days after it: the amount, the creditor, and your right to dispute (15 U.S.C. § 1692g(a); 12 C.F.R. § 1006.34). If none came, read no validation notice.
- Ask who the original creditor is. The notice should name the creditor and itemize the balance. If you dispute in writing within the validation period, the collector must stop collecting until it mails you verification (15 U.S.C. § 1692g(b)).
- Call back on a number you looked up yourself. Do not pay a caller on the strength of a number the caller gave you. Look the company up on its own website. We could not confirm a phone number on its site, so use the contact details on your validation notice.
- Look it up in the CFPB database. The link is in the public record section below.
- In New York City, look up the license. The city's Department of Consumer and Worker Protection (DCWP) issues debt collection agency licenses, and its issued-licenses list is public on NYC Open Data.
What National Credit Adjusters cannot do
These limits apply to every debt collector covered by the Fair Debt Collection Practices Act. They are the law, not a statement about what this company has done.
- Threaten arrest or jail. Saying you will be arrested or imprisoned for not paying is a false representation (15 U.S.C. § 1692e(4)). See threats of arrest or jail.
- Sue or threaten to sue on a time-barred debt. Regulation F bans both (12 C.F.R. § 1006.26(b)). See zombie debt.
- Add amounts the agreement or the law does not allow. Collecting any amount not expressly authorized is an unfair practice (15 U.S.C. § 1692f(1)). See wrong amount and fees.
- Keep collecting after your written dispute without sending verification. Collection must pause until verification is mailed (15 U.S.C. § 1692g(b)). See ignored dispute.
- Tell your family, friends or boss about the debt. A collector may contact other people only to find you, and may not say you owe a debt (15 U.S.C. §§ 1692b, 1692c(b)). See calls to family and employer.
- Call you more than 7 times in 7 days about one debt. More than seven telephone calls in seven consecutive days, or a call within seven days after a phone conversation about the debt, is presumed harassment (12 C.F.R. § 1006.14(b)(2)). Texts and emails do not count toward that number. See too many calls.
Log calls in the call log and save voicemails, letters and screenshots.
If National Credit Adjusters sues you
An owner of an account can sue on it, usually through a law firm. If you have been sued, do not ignore the papers. The deadline to answer is short, and a missed deadline can lead to a default judgment. Read sued by a debt collector first.
- New York. Most consumer credit suits must be filed within three years, and a later payment does not restart the clock (CPLR 214-i). The complaint must name the original creditor and attach the contract or charge-off statement (CPLR 3016(j)).
- New Jersey. Contract actions generally carry a six-year limit (N.J.S.A. 2A:14-1).
- Florida. Five years on a written contract, four on an oral one or an open account (Fla. Stat. § 95.11).
- The right court. A collector's suit must be filed where you live or where you signed the contract (15 U.S.C. § 1692i(a)(2)). See sued in the wrong county.
Public record
Only public, sourced facts appear here. Where we quote an agency or a court, the words describe what that agency or court found, alleged or decided.
CFPB complaints, as of September 29, 2026. From September 1, 2025 through September 1, 2026, consumers filed 3,420 complaints naming "National Credit Adjusters, LLC" in the Consumer Financial Protection Bureau's complaint database, 2,823 of them about debt collection; 180 of the 3,420 came from New York, New Jersey and Florida. See the complaints in the CFPB database. Complaints are unverified consumer reports, not findings of wrongdoing.
- CFPB consent order, July 13, 2018. The Bureau found that NCA and its former CEO used a network of collection companies, some of which represented that consumers owed more than they did and threatened lawsuits, process servers and arrest when no one intended or had authority to take those actions, and that NCA kept placing debt with them with knowledge or reckless disregard of those practices. The order set a $3 million civil penalty for NCA and another for the former CEO, largely suspended, with $500,000 of the penalty payable by NCA (CFPB).
In New York, New Jersey and Florida
New York consumers can also sue under General Business Law § 349 for deceptive practices (N.Y. Gen. Bus. Law § 349(h)), and since September 1, 2026 New York City's DCWP rules limit a collector to three communications or attempts per account in seven days, across calls, texts and emails. Florida's consumer collection law reaches anyone collecting a consumer debt, including original creditors, with statutory damages up to $1,000 (Fla. Stat. §§ 559.72, 559.77(2)). New Jersey's Consumer Fraud Act allows treble damages for an ascertainable loss (N.J.S.A. 56:8-19). See New York, New Jersey and Florida.
The FDCPA requires a company found liable to pay the consumer's reasonable attorney's fees and costs. The deadline to sue is one year from the violation (15 U.S.C. § 1692k(d)).
Common questions
Does National Credit Adjusters own my debt?
Its site says it may acquire accounts or service accounts placed with it by a creditor. Ask in writing which applies and who the original creditor is.
What did the CFPB find in 2018?
The CFPB found that collection companies NCA used made false threats of lawsuits and arrest and overstated balances, and that NCA kept placing debts with them. NCA consented to the order.
A caller said I would be arrested over an NCA account. Is that allowed?
No. A debt collector may not threaten arrest or jail for nonpayment. Write down the date, time, number and words used.
Tell us what they did.
One conversation with an attorney, in your language. We tell you which laws the collector or the credit bureau broke, which deadline runs first, and what to save this week. If it is not a case we can take, we say so and tell you where to go.
(718) 484-7510The FDCPA and the FCRA require a company found liable to pay the consumer’s reasonable attorney’s fees and costs. Our fee arrangement is confirmed in a written retainer before we begin. English, Russian and Spanish in-house; an interpreter for any other language.