Consumer complaint received 2025-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Adjusters, LLC
State: FL

Complaint narrative:
formal written notice pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692a, 1692c ( c ), and 1692k, the Kansas Consumer Protection Act ( XXXX ), XXXX XXXX. XXXX. XXXX through XXXX, and the Kansas Collection Agency Act , XXXX XXXX. XXXX. XXXX through XXXX. 



CEASE AND DESIST DEMAND You are hereby directed to immediately cease and desist from any and all communication with me regarding the above-referenced alleged debt. This includes, but is not limited to, communication by telephone, voicemail, text message, email, written correspondence, social media, or communication with third parties. 



FEDERAL LAW NOTICE ( FDCPA ) Under 15 U.S.C. 1692c ( c ), once a consumer provides written notice requesting cessation of communication, a debt collector must cease all communications, except to : 1. Advise that further collection efforts are being terminated ; 2. Notify that certain remedies may be invoked ; or 3. Notify that a specific remedy is being invoked. 

Any communication beyond these exceptions constitutes a violation of federal law. 



KANSAS STATE LAW NOTICE Under the Kansas Collection Agency Act and the Kansas Consumer Protection Act, debt collectors may not : Engage in harassment, threats, intimidation, or abusive conduct ; Make false, misleading, or deceptive representations ; Contact a consumer at unreasonable or inconvenient times ; or Communicate with a consumer after receiving written notice to cease contact. 

Any continued communication after receipt of this notice XXXX constitute separate and independent violations of both federal and Kansas law. 



DEBT BUYER NOTICE ( IF YOU PURCHASED THE DEBT ) If you have purchased, acquired, or otherwise paid consideration for the alleged debt, you are a debt buyer, and under XXXX U.S.C. XXXX ( XXXX ) and XXXX XXXX. XXXX. XXXX et seq., you are a debt collector subject to all federal and Kansas XXXX. 

Ownership of the alleged debt does not exempt you from compliance with : XXXX XXXX. XXXX ( c ) ; All prohibitions against harassment, abuse, or deceptive practices under the FDCPA ; and XXXX Kansas debt collection and consumer protection laws. 

Any continued contact after receipt of this notice will be treated as a knowing and willful violation of federal and state law. 



REQUEST FOR LICENSING & OWNERSHIP VERIFICATION If you claim any right to collect this alleged debt, I request verification of : Your Kansas collection agency license or registration, if applicable ; and Your documented chain of title evidencing ownership of the alleged debt, including assignments or bills of sale. 

Failure to produce such documentation may constitute additional violations of Kansas law. 



NOTICE OF INTENT TO ENFORCE RIGHTS Should you fail to comply with this demand, I will document each violation and may pursue all available remedies, including : Filing complaints with the Consumer Financial Protection Bureau ( CFPB ) ; Filing complaints with the Kansas Attorney Generals Office ; and Seeking actual damages, statutory damages, attorneys fees, and court costs pursuant to 15 U.S.C. 1692k and Kan. Stat. Ann. 50-634.

This letter is not an acknowledgment of the alleged debt, not a promise to pay, and not a waiver of any rights or defenses. All rights are expressly reserved. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation