NCSPlus: Who They Are and Your Rights

Type

Collection agency

Also known as

NCSPlus Incorporated; NCSPLUS INCORPORATED; NCS

Headquarters

New York, NY

Collects

medical and dental bills, homeowners association and property management balances, EMS bills, government accounts, small-business accounts

Website

ncsplus.com

79 debt collection complaints were sent to the Consumer Financial Protection Bureau about NCSPLUS INCORPORATED 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 NCSPlus?

NCSPlus Incorporated calls itself "an Accounts Receivable Management firm." Its office is at 110 East 30th Street, Fifth Floor, New York, NY 10016. The About page says the company "was founded in 2005" and names Christopher Rehkow as president and CEO; other pages refer to serving clients "since 1984," so the business appears to predate the current company. The site states that NCSPlus is licensed by the New York City consumer affairs department, lists NMLS ID 1108680, and gives [email protected] as its contact. We did not find a consumer phone number on the site.

Why NCSPlus May Be Contacting You

NCSPlus works differently from a percentage-based agency. Its clients pay a flat fee per account, and the site says recovered money is paid "directly to you," meaning to the client, not to NCSPlus. At the client's option, NCSPlus also handles debtor contact, reports unpaid accounts to the three national credit bureaus, and refers accounts to a network of collection attorneys.

The company says it serves more than 35,000 clients, including doctors, dentists, chiropractors, service companies, homeowners associations, property managers, EMS providers, city and state governments, hospitals and universities. So a NCSPlus letter often concerns a modest balance from a local practice or association, and its payment instructions may tell you to pay the creditor itself.

How to Check a Debt NCSPlus Says You Owe

Because payments may go straight to the creditor, keep careful records on both sides.

• Read the validation notice for the creditor's name, the itemized balance and your dispute deadline (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Dispute in writing within that period if the bill is wrong; send it to NCSPlus as the notice directs, and consider sending a copy to the creditor.
• Get the underlying bill or HOA ledger. For dental and medical bills, compare against your insurer's payment; for HOA balances, ask for the assessment and fee history.
• If you pay the creditor directly, get a written receipt and ask the creditor to tell NCSPlus to close the file and correct any credit reporting.
• Consider timing. Texas generally gives four years to sue on a consumer debt (Tex. Civ. Prac. & Rem. Code § 16.004), and debt buyers can't sue after that (Tex. Fin. Code § 392.307). New York and other states use different periods.

What NCSPlus Can and Can't Do

A company that regularly collects consumer debts owed to others is a "debt collector" under 15 U.S.C. § 1692a(6), and the FDCPA also covers creditors who use a name that suggests a third party is involved (§ 1692a(6), "false name" clause). With NCSPlus letters:

• The letter may not falsely imply that a lawsuit or attorney involvement is coming unless it is actually intended (15 U.S.C. § 1692e(5)).
• A debt you've disputed must be reported as disputed if it's reported at all (15 U.S.C. § 1692e(8)).
• Fees may not be added unless your agreement or the law allows them; see collection fees.
• Collection on a disputed debt must stop until verification is mailed (15 U.S.C. § 1692g(b)).

We did not find a CFPB enforcement action against NCSPlus.

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 NCSPlus 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

• NCSPlus: home page
• NCSPlus: About us
• CFPB enforcement actions (full list reviewed)
• CFPB Consumer Complaint Database: NCSPLUS INCORPORATED, debt collection

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