National Business Factors is a Carson City, Nevada bill collection company with a sister billing company, The NBF Group. It collects for clients such as hospitals, clinics, ambulance providers, casinos, retailers and property managers.
- Type
- Collection agency
- Also known as
- National Business Factors, Inc. of Nevada; NBF National Business Factors; The NBF Group, Inc.
- Headquarters
- Carson City, NV
- Collects
- hospital and medical bills, ambulance bills, casino accounts, retail accounts, property management balances, commercial accounts
- Phone numbers it lists
- (800) 845-5392
- Website
- thenbfgroup.com
90 debt collection complaints were sent to the Consumer Financial Protection Bureau about National Business Factors from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.
Who Is National Business Factors?
National Business Factors (NBF) is a collection agency based at 969 Mica Drive in Carson City, Nevada. It shares a website with its sister company, The NBF Group, Inc., which handles insurance clean-up and self-pay billing for providers. The site says NBF National Business Factors has provided bill collection services since 1960, and that the two companies serve the western United States from offices in Carson City and Concord, California. The Better Business Bureau lists National Business Factors, Inc. of Nevada as an alternate name of The NBF Group, Inc.
NBF publishes a California collection license (10972-99) and a Nevada collection agency license (CAD11761, NMLS 1846750). It says it collects in California, Georgia, Guam, Louisiana, Mississippi, Missouri, Montana, Nevada, New Hampshire, Ohio, Oklahoma, Pennsylvania, South Carolina, Texas and the U.S. Virgin Islands. We did not find a CFPB enforcement action against National Business Factors.
Why National Business Factors May Be Contacting You
NBF's client list is unusually broad. It names agricultural businesses, ambulance providers, casinos, clinics, commercial clients, doctors, hospitals, law firms, medical groups, property managers, retailers, supermarket chains and urgent care centers. Given its Nevada base, a call or letter from NBF may concern:
- an emergency room, ambulance or clinic bill from a visit to Nevada or California;
- an unpaid balance owed to a casino, supermarket or other retailer;
- money a landlord says you owe after moving out.
How to Check a Debt National Business Factors Says You Owe
When the debt comes from a trip or a short stay out of state, details are easy to forget. Ask for them.
- Look for the validation notice (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). It should name the original creditor and show how the balance was calculated.
- Send a written dispute within the validation period asking for the itemized bill or signed credit agreement, the date of service or transaction, and any payments credited. See how to dispute a debt with a collector.
- For a medical bill, ask whether your insurance was billed, and check for out-of-network charges.
- Ask whether the client still owns the account or has sold it.
- Check the age of the debt. In Texas the usual limit for a debt suit is four years (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers may not sue on time-barred consumer debt (Tex. Fin. Code § 392.307). Nevada, California and other states set their own periods, and the debt may be governed by a different state's law.
What National Business Factors Can and Can't Do
NBF collects debts owed to others, so it is a "debt collector" under 15 U.S.C. § 1692a(6) when the debt is a consumer debt.
- It may not threaten criminal charges over an unpaid bill or returned check as a collection tactic (15 U.S.C. § 1692e(4)–(5)); see whether a collector can threaten arrest.
- It may not sue you in a distant state; a collector's suit must be filed where you live or where you signed the contract (15 U.S.C. § 1692i).
- It may not call before 8 a.m. or after 9 p.m. your time (15 U.S.C. § 1692c(a)(1)), or more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
- It must stop contacting you, except for limited notices, if you tell it in writing to stop (15 U.S.C. § 1692c(c)).
Questions about how NBF treated you? See our Texas FDCPA attorneys page.
We Sue Debt Collectors That Break the FDCPA
Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If National Business Factors or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.
Free FDCPA Case Review(214) 851-2250
Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.
Sources
- The NBF Group: home page and licensing
- The NBF Group: About Us
- BBB business profile: The NBF Group, Inc. (alternate name National Business Factors, Inc. of Nevada)
- CFPB Consumer Complaint Database: National Business Factors, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that National Business Factors has violated any law. Company details change; tell us if something here is out of date.