Consumer complaint received 2020-10-17
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
This email will serve as our final notifications before filing a lawsuit against your name and SSN. We have tried our best to resolve this account without any legal action being taken but due to ignorance from your side we will have no option other than seeking legal help in order to recover the pending amount. 

If we didn't receive your response by today then we will have our in house attorney to prepare a final report of this account and initiate legal action. 

Respond immediately on receipt of this email to avoid legal consequences. 

Thank You On Fri, XXXX XX/XX/XXXX at XXXX, XXXX XXXX XXXX wrote : You XXXX have the wrong person. I called XXXX XXXX and they say that I owe {$350.00}. 



On Thursday, XX/XX/XXXX, XXXX XXXX XXXX, NATIONAL CREDIT COLLECTIONS   XXXX wrote : This is from XXXX XXXX and done in XXXX. Your file has been transferred to our company for collection. If you want to dispute this then you have to pay legal charges also and you will be only responsible for this. 

Thank you. 

On Thu, XXXX XX/XX/XXXX at XXXX, XXXX XXXX XXXX wrote : Which account are you talking about? 




On Thursday, XX/XX/XXXX, XXXX AM CDT, NATIONAL CREDIT COLLECTIONS XXXX wrote : XXXX XXXX, We are talking about the creditor National credit collection is the parental company which owns & operates more than XXXX parental payday loan websites XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX  & XXXX XXXX XXXX , etc. And you have used one of them to get this loan approved. 



They do have your email address XXXX and SSN also would like to mention your computer 's IP address was also traced when you were applying for the loan. The company has more than 14 technical evidence in order to prove the money was successfully deposited into your bank account. 



We have a settlement amount for you, if you will make the payment of {$630.00} by today then we can close your file at this amount only. Once the full and final payment is received a receipt will be sent to you stating that your outstanding debt is paid in full. 





Do revert ASAP. 



Thank You. 



On Thu, XXXX XX/XX/XXXX at XXXX, XXXX XXXX XXXX wrote : What the XXXX is this? 

On Thursday, XX/XX/XXXX, XXXX XXXX  CDT, NATIONAL CREDIT COLLECTIONS XXXX wrote : Case XXXX Notice Issued On : XX/XX/XXXX. 
Outstanding Amount : {$980.00} ( higher than actual amount owed ) Settlement Amount : {$630.00} ( Outside the courthouse ) Dear Debtor This is our official notice to you regarding the due payment with XXXX XXXX XXXX You have defaulted to pay the dues. 


TO THE GARNISHEE : The creditor has obtained a court order against the debtor. The creditor claims that you owe or will owe the debtor a debt in the form of wages, salary, pension payments, rent, annuity or other debt that you pay out in a lump-sum, periodically or by installments. ( A debt to the debtor includes both a debt payable to the debtor alone and a joint debt payable to the debtor and one or more co-owners. ) YOU ARE REQUIRED TO PAY for Small Claims to Collection Agency. 

( a ) all debts now payable by you to the debtor, within 7 days after this notice is served on you ; and ( b ) all debts that become payable by you to the debtor after this notice is served on you and within 30 days after this notice is issued, within 7 days after they become payable.

The total amount of all your payments to the clerk is not to exceed $ ( XXXX ) .THIS NOTICE IS LEGALLY BINDING ON YOU until it expires or is changed, renewed, terminated or satisfied. If you do not pay the total amount or such lesser amount as you are liable to pay, you must serve a Garnishees Statement ( Form XXXX ) on the creditor and debtor, and file it with the collection Agency within 10 days after this notice is served on you. 

You did not make the payment, despite repeated requests from our side. 

If we do not receive the payment in full by this week, ( deadline ) we will have to do whatever we can under the law to recover our money with accumulated interest from you that includes, but does not limit to legal proceedings against you, not to mention the legal expenses shall also be borne by you. 





If you do not take immediate action : We will be forced to download this case against you and once it is downloaded the creditor has entire rights to inform your employer regarding this and if you are found guilty under the bench by jury then you have to bear a lawsuit, which will be amounting to {$2400.00} and we are sending you this notice to let you know what we have done in response to the garnishment order. You can contact your creditor for the settlement amount. 



Please reach out to us immediately if you would like to set up a repayment plan.

Company response to consumer: Closed with explanation