National Credit Adjusters is a Hutchinson, Kansas company that collects consumer debts and has bought and sold debt portfolios, including payday and high-interest installment loans. A letter or call from NCA usually concerns an older short-term or online loan.
- Type
- Collection agency and debt buyer
- Also known as
- National Credit Adjusters, LLC; NCA
- Headquarters
- Hutchinson, KS
- Collects
- payday loans, high-interest installment loans
- Website
- ncaks.com
5,610 debt collection complaints were sent to the Consumer Financial Protection Bureau about National Credit Adjusters, LLC 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 Credit Adjusters?
National Credit Adjusters, LLC (NCA) is a privately held company headquartered in Hutchinson, Kansas, according to the Consumer Financial Protection Bureau. In its 2018 announcement, the CFPB described NCA as a company that placed consumer debt with a network of collection companies to collect for it, and that also sold consumer debt. Earlier news coverage of an Arkansas case called NCA a Hutchinson-based collection agency.
NCA's official website is ncaks.com. We were not able to load its pages to confirm a current phone number, so use the number printed on your own letter and compare it to the company's site before you pay.
Why National Credit Adjusters May Be Contacting You
NCA's public record centers on short-term, high-cost credit. In 2013, American Banker reported that NCA agreed, in a consent judgment with the Arkansas Attorney General, to stop collecting more than $2.7 million on 5,810 payday loans in Arkansas, and that the loans would be cancelled. The CFPB's 2018 action also involved consumer debt that NCA placed with outside collectors.
So a contact from NCA, or from another agency working an NCA account, is likely about an online payday loan, a cash advance, or an installment loan from a consumer finance company. Those accounts are often old, the original lender may have closed, and the account may have been sold more than once.
How to Check a Debt National Credit Adjusters Says You Owe
Payday and online installment loans raise questions that a credit card debt usually does not: whether the lender was allowed to make the loan in your state, and whether the balance includes fees that piled up after default.
- Get the validation notice and read the itemization. Regulation F requires an itemization of interest, fees, payments and credits since a specific date (12 C.F.R. § 1006.34; 15 U.S.C. § 1692g). Look for rollover or late fees you never agreed to.
- Dispute in writing within the validation period. Ask for the loan agreement, the name and license of the original lender, the payment history and proof that the account was transferred to NCA or the company it collects for. Collection must pause until verification is mailed.
- Ask who owns the account now. If NCA bought it, NCA is the creditor. If NCA placed it with another agency, the letter should say whom the debt is owed to.
- Check the limitation period before you pay anything. Texas generally allows four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004). A debt buyer cannot sue on time-barred consumer debt in Texas, and a payment does not revive it (Tex. Fin. Code § 392.307). See can a debt buyer sue on a time-barred debt? Other states set different deadlines.
What National Credit Adjusters Can and Can't Do
When NCA collects debts owed to someone else, it is a "debt collector" under 15 U.S.C. § 1692a(6). When it collects debts it bought, it can still be covered if collecting debts is its principal purpose; Henson v. Santander (2017) decided only that buying a debt does not by itself make a company a collector under the "owed another" test. Either way:
- It may not threaten arrest, criminal charges, or a lawsuit it has no plan or right to file (15 U.S.C. § 1692e(4)-(5)). The Texas Constitution bars imprisonment for debt (art. I, § 18).
- It may not tell your relatives or employer about the debt, except to ask how to reach you (15 U.S.C. § 1692c(b)).
- It may not collect any amount, such as a fee, that the loan agreement or law does not permit (15 U.S.C. § 1692f(1)).
- Texas does not allow wage garnishment for ordinary consumer debt, so a threat to take your paycheck over a payday loan should be questioned. See can a payday or installment lender sue me?
If an NCA account led to calls or letters you think were improper, our Texas FDCPA attorneys page explains how we review those claims.
Government Actions on the Public Record
- CFPB consent order against National Credit Adjusters and its former CEO (2018-07-13)
- Connecticut Department of Banking consent order (alleged unlicensed collection in Connecticut and collection on at least 1,254 Connecticut loans above the state's 12% rate limit; $40,000 civil penalty, refunds, zeroed balances and credit-report deletion requests; neither admitted nor denied) (2016-09-15)
- Arkansas Attorney General consent judgment, Pulaski County Circuit Court (reported April 1, 2013) (2013-04-01)
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 Credit Adjusters 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
- CFPB: Bureau settles with National Credit Adjusters, LLC and Bradley Hochstein (July 13, 2018)
- American Banker: NCA Will Stop Collecting Payday Loans in Arkansas (April 1, 2013)
- CFPB Consumer Complaint Database: National Credit Adjusters, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that National Credit Adjusters has violated any law. Company details change; tell us if something here is out of date. Lea este perfil en español.