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NCB Management Services, Inc.

What is NCB Management Services, Inc.?

  • NCB Management Services, Inc. is a debt collection agency that operates in the United States.
  • The company was founded in 1994 and is headquartered in Trevose, Pennsylvania.
  • NCB Management Services, Inc. specializes in collecting debts for a variety of industries, including healthcare, financial services, and telecommunications.
  • The company has been sued multiple times for violating the Fair Debt Collection Practices Act (FDCPA) and other applicable laws.

You can contact NCB Management Services, Inc. at the following address and phone number:

  • Address: 105 Terry Drive, Suite 120, Newtown, PA 18940
  • Phone: (800) 828-1110

If you need help, call us at (888) 271-7109, or complete this form.

Tips for Responding to NCB Management Services, Inc.

It is important to note that NCB Management Services, Inc. is a legitimate debt collection agency, but it has been accused of violating the FDCPA and other laws. If you are contacted by NCB Management Services, Inc., it is important to know your rights and to protect yourself from any potential abuse.

Here are some tips for dealing with NCB Management Services, Inc.:

  • Do not ignore their communications. If you are contacted by NCB Management Services, Inc., it is important to respond to their communications in writing. This will help to establish a paper trail and will protect you if you need to dispute the debt or file a complaint.
  • Ask for verification of the debt. You have the right to ask NCB Management Services, Inc. to provide verification of the debt that they are trying to collect. This verification should include the name of the original creditor, the amount of the debt, and the date that the debt was incurred.
  • Do not admit to owing the debt. If you are contacted by NCB Management Services, Inc., do not admit to owing the debt unless you are certain that you owe it. If you are unsure whether or not you owe the debt, you can ask NCB Management Services, Inc. to provide more information.
  • Be aware of your rights. You have certain rights under the FDCPA and other laws. For example, debt collectors cannot harass you or threaten you with violence. They also cannot contact you at inconvenient times or places. If you believe that your rights have been violated, you can file a complaint with the Consumer Financial Protection Bureau.

How The Langel Firm Can Help You

As a consumer lawyer, Jesse Langel and The Langel Firm are prepared to defend you against lawsuits brought by NCB Management Services, Inc. in New York. We have expertise in countering collection lawsuits, preventing wage garnishments, and halting bank seizures. We offer flexible payment options tailored to your needs. If you're confronted with credit card debt, medical bills, tuition fees, or any other consumer-related debt, we are here to advocate for you. Our primary concentration lies in defending against judgment-enforcement actions, including wage garnishments, bank seizures, and legal complaints (summons and complaints). Don't face these challenges alone; let us stand by your side.

Can I Be Sued by NCB Management Services, Inc.?

Yes, NCB Management Services may initiate legal proceedings as part of its debt collection process. Its primary objective as a debt collection agency is to secure unpaid debts from consumers. This could pertain to accounts they've acquired or represent their clientele. Typically, they employ various collection strategies before resorting to legal action, such as sending demand letters or calling consumers to facilitate payment.

NCB Management Services Sued for Misrepresenting State Statutes of Limitations

Short Summary: A consumer sued NCB Management Services, Inc., claiming that the debt collector violated the Fair Debt Collection Practices Act (FDCPA) by sending misleading letters about state statutes of limitations. The letters mentioned the statute of limitations for debt collection, indicating that paying could restart this period. Chandler's debt was under North Carolina's three-year limit, compared to New York's six years. Chandler claims the letters misled him about the debt's legal aspects.

The case was moved to federal court, where the debt collector sought dismissal, arguing that the plaintiff failed to establish a legitimate claim. The court, under Judge Pamela K. Chen, ruled in favor of Chandler, concluding that the misrepresentations in the letters were significant.

Key Points of Law:

  1. The "least sophisticated consumer" test is used to determine compliance with the FDCPA, which evaluates communications from the viewpoint of an average consumer. Communications can be deemed misleading if they can be interpreted in multiple ways, one of which is incorrect.
  2. Under the FDCPA, a false, deceptive, or misleading practice in debt collection is material if it has the potential to misguide the "least sophisticated consumer," even if technically false.
  3. Practices that mislead a consumer about the nature and legal status of a debt or hinder a consumer's ability to respond or dispute a collection are violations of the FDCPA.

Conclusion: The court determined that NCB Management Services, Inc.'s misrepresentations regarding the state statutes of limitations were material. Such misinformation can mislead consumers, potentially affecting their decision-making process. This decision underscores the importance of clear and accurate communication by debt collectors, ensuring consumers are not misled by any false or potentially deceptive information.

Case Citation: CHANDLER v. NCB MANAGEMENT SERVICES, INC. and John Does 1–25, 20-CV-3587 (PKC) (PK), United States District Court, E.D. New York, Signed 03/23/2021.

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