Consumer complaint received 2021-01-05
Company: National Credit Adjusters, LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently began receiving emails from a company called " National Credit Adjuster '' regarding a debt for {$1200.00} owed to them by XXXX XXXX. I have no idea who XXXX XXXX is, nor do I know who this company is. However, I'm getting more & more emails about this debt, each one increasing in severity. The latest email is below : -- -- -- -- -- -- -- -- -- -- -- -- -- -- Date, XXXX, XXXX, 2021 XXXX XXXX, XXXX XXXX XXXX, XXXX Address, XXXXXXXX XXXX XXXX XXXX XXXX City, XXXX XXXX State, NC XXXX XXXX XXXX My name is XXXX XXXX XXXX From National Credit Adjuster, I want to inform you that there is a case file on your name in the amount of {$1200.00}. 



Case file No : XXXX As you are aware, you have a large printing debt of {$1200.00} that remains unpaid. We have given you more than enough time and every chance to resolve this matter outside the courthouse but you are not willing to resolve this matter. We will mark as a flat refusal on your account and take immediate action against you, we have repeatedly advised you of your long overdue balance in the amount of {$1200.00}. Since you have not made payment we have turned your account over to our attorneys and instructed them to commence suit without further delay. However, our company would prefer to give you one last opportunity to make payment and avoid legal action, if you want to settle your account outside the courthouse, you have to pay back the settlement amount within the next 24 hrs. Please contact us at the earliest, if we do not receive your communication or the amount you will have to face the consequences. 



Once again : this is the last chance resolve this matter without any legal proceedings. 





If once your case file gets downloaded inside the courthouse then you must pay {$15000.00} inside the court house including Court fees, Judge Fees, your bail charges, your attorney charges, extra late fees Penalty fees & interest and lots of more. Finally, your name and Social Security Information would be reported to the major credit bureaus of US, it would be affecting your FICO scores and your social security number would be black listed. 



Bankruptcy filings can be listed on your credit report for 10 years. Most other debts can be listed for 7 years. ( M.G.L. c. 93, s. 52 ). 



If your credit is bad, you can work towards building good credit. 



( 1 ) Pay back the debt you owe.

( 2 ) Do not borrow money that you can not pay back. 



Your case file will be presented inside the court house on XX/XX/2021, Now I want to know that do you want to resolve this matter outside the courthouse or submit your case file inside the courthouse. 





Reply me back immediately with your final answer so we can be in a position whether to put hold on your case file or to proceed it inside the courthouse, Thank you. 



Sincerely, XXXX XXXX NATIONAL CREDIT ADJUSTER ( HEAD OFFICE ) XXXX XXXX XXXX XXXXXXXX, XXXX, Alabama XXXX,

Company response to consumer: Closed with explanation