National Commercial Services (NCS): Who They Are and Your Rights

Type

Collection agency

Also known as

National Commercial Services, Inc; NCS

Headquarters

Van Nuys, CA

Collects

auto accident subrogation claims, property damage claims, bodily injury subrogation claims, insurance deductibles, commercial accounts

Phone numbers it lists

(888) 355-4400, (818) 701-4400

Website

ncssubro.com

85 debt collection complaints were sent to the Consumer Financial Protection Bureau about National Commercial Services, Inc 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 Commercial Services?

National Commercial Services, known as NCS, is a recovery firm at 6644 Valjean Avenue, Suite 100, in Van Nuys, California. Its "Our Story" page says Zoran Jovanovski started the business in 1991 alongside his construction company and incorporated it as a standalone company in 1996; the Better Business Bureau lists the same 1996 incorporation and names him as president. NCS says it works on contingency, recovers claims in all 50 states and is licensed in all states. We did not find a CFPB enforcement action against National Commercial Services.

Why National Commercial Services May Be Contacting You

Most of NCS's work is subrogation. When an insurance company pays its own customer for a car accident, property damage or an injury, it can try to recover that money from the person it believes was at fault. NCS says it handles these claims for national and regional insurance carriers, covering auto, property liability, bodily injury, deductibles, construction, product defects and other lines, including claims against uninsured and underinsured drivers. It also does commercial collections for businesses.

So a letter from NCS often says you owe an insurer for repairs or medical costs after a crash. Its toll-free number is (888) 355-4400, and its main line is (818) 701-4400, Monday through Friday, 8 a.m. to 5 p.m. Pacific time.

How to Check a Claim National Commercial Services Says You Owe

A subrogation demand is a claim that you are liable for an accident, not a bill you agreed to pay. Treat it that way.

• Ask for the basis of the claim in writing: the date and place of the accident, the insurer's file number, the police report, photos and the repair estimates or paid invoices.
• Notify your own auto insurer right away if you had coverage on the date of the accident. Your policy may require your insurer to handle the claim.
• Do not admit fault on the phone. Whether you were responsible, and for how much, are legal questions.
• Ask whether a judgment exists. A judgment is a different matter from an unproven claim.
• Check the deadline. In Texas, suits for property damage or personal injury generally must be filed within two years (Tex. Civ. Prac. & Rem. Code § 16.003), which is shorter than the four-year period for most debts (§ 16.004). An insurer pursuing subrogation steps into its customer's shoes. Other states have different periods, so ask a lawyer which one applies.

What National Commercial Services Can and Can't Do

The FDCPA protects consumers from collectors of "debts," which the Act defines as obligations arising from transactions for personal, family or household purposes (15 U.S.C. § 1692a(5)). Courts have generally held that a claim for damages from an accident is not a "debt," for example in Hawthorne v. Mac Adjustment, Inc., 140 F.3d 1367 (11th Cir. 1998). That means many of the FDCPA's rules may not apply to a pure subrogation claim. The analysis is different if NCS is collecting a judgment on such a claim or a consumer account, such as an unpaid insurance deductible or premium, so get advice on your specific facts.

• If NCS collects a consumer debt, it may not misstate the amount or threaten a lawsuit that is not intended (15 U.S.C. § 1692e), and it must follow the Regulation F limit of seven calls in seven days per debt (12 C.F.R. § 1006.14(b)(2)).
• You can ask NCS to communicate with you only in writing, which also gives you a record of exactly what it claims.
• Texas does not allow wage garnishment for ordinary judgments (Tex. Const. art. XVI, § 28). Driver's license consequences for unpaid accident judgments are a separate issue under Texas law.

If you think the contact crossed the line, 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 Commercial Services (NCS) 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

• National Commercial Services: home page
• National Commercial Services: Our Story
• BBB business profile: National Commercial Services
• CFPB enforcement actions search: National Commercial
• CFPB Consumer Complaint Database: National Commercial Services, Inc, debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that National Commercial Services (NCS) has violated any law. Company details change; tell us if something here is out of date.