National Debt Holdings, LLC is a Florida company that buys charged-off consumer accounts from banks, credit unions and fintech lenders. It says it doesn't collect directly, so you'll usually hear about it through an agency or law firm it hires.
- Type
- Debt buyer
- Also known as
- National Debt Holdings, LLC
- Headquarters
- Fort Lauderdale, FL
- Collects
- charged-off credit card accounts, fintech and marketplace loans, auto loan deficiencies, personal and installment loans, retail and private label credit
- Phone numbers it lists
- (954) 777-8505
- Website
- nationaldebtholdings.com
48 debt collection complaints were sent to the Consumer Financial Protection Bureau about National Debt Holdings, 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 Debt Holdings?
National Debt Holdings, LLC describes itself as a passive debt buyer based at 300 SE 2nd Street, Suite 600, in Fort Lauderdale, Florida. It buys charged-off and non-performing consumer accounts, either in one-time portfolio purchases or through forward-flow agreements in which a lender sells accounts on a regular schedule. Its listed phone number is (954) 777-8505.
The company says it holds Receivables Management Association International (RMAI) certification No. C1802-1110 and NMLS No. 1381253, and it names Jamie Rieman as chief compliance officer.
Why National Debt Holdings May Be Contacting You
National Debt Holdings says it buys accounts from national banks, credit unions, fintech lenders and other financial institutions. The account types it lists are charged-off credit cards, fintech and marketplace loans, auto loan deficiencies, personal and installment loans, and retail and private-label credit.
The company also says it does not collect from consumers directly: partner agencies and law firms service the accounts. So you will most likely see its name as the "current creditor" on a letter from a collection agency, on a credit report entry, or as the plaintiff in a lawsuit filed by a law firm. The original lender's name should also appear on the notice.
How to Check a Debt National Debt Holdings Says You Owe
Bought debt brings its own questions about paperwork and dates:
- Use the validation notice to get the chain of title. The notice must name the creditor at charge-off and the current creditor and itemize the balance (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34). In a written dispute, ask for the bill of sale and the account-level record showing your account was included.
- Match the account to the original lender. Check the last four digits, the charge-off date and the last payment against your own records or credit report.
- Look for added interest. Ask how any amount above the charge-off balance was calculated and what document allows it.
- For an auto deficiency, ask for the repossession sale figures. Our page on car deficiency suits explains what to look for.
- Check whether the debt is time-barred. As a debt buyer, National Debt Holdings may not sue, or have a firm sue, on a Texas consumer debt once the four-year period in Tex. Civ. Prac. & Rem. Code § 16.004 has run, and a payment doesn't revive it (Tex. Fin. Code § 392.307). Other states use other periods.
What National Debt Holdings Can and Can't Do
A company whose principal purpose is collecting debts is a "debt collector" under the first prong of 15 U.S.C. § 1692a(6), even if it owns the debts. After Henson v. Santander Consumer USA Inc., 582 U.S. 79 (2017), a buyer collecting its own accounts isn't covered under the "regularly collects for another" prong, so coverage of a passive buyer that hires others turns on the principal-purpose test, and courts have reached different results. The agencies and law firms it hires are covered. In any event:
- Texas law bars a debt buyer from suing, directly or through a firm, on a time-barred consumer debt (Tex. Fin. Code § 392.307).
- Its collectors may not misstate who owns the debt or how much is owed (15 U.S.C. § 1692e(2)).
- Its law firms must sue in the county where you live or signed the contract (15 U.S.C. § 1692i).
- A credit report entry must be marked as disputed if you've disputed it (15 U.S.C. § 1692e(8)).
We did not find a CFPB enforcement action against National Debt Holdings. See what a debt buyer is and why an unfamiliar company may be suing you, or our 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 Debt Holdings 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 Debt Holdings: home page
- CFPB enforcement actions (full list reviewed)
- CFPB Consumer Complaint Database: National Debt Holdings, LLC, debt collection
This profile is general information compiled from public sources, not legal advice, and it does not state or imply that National Debt Holdings has violated any law. Company details change; tell us if something here is out of date.