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We’ve helped thousands of people remove errors from their report to get mortgages, auto loans, and so much more. If you’re sued by National Enterprise Systems, you need to respond by filing an Answer. Filing an Answer will protect your rights and save you from garnishment.
If you are struggling with debt, you are not alone. According to the NY Federal Reserve total household debt as of Quarter Q was $16.91 trillion. Student loan debt was $1.60 trillion and credit card debt was $0.99 trillion. Works an established list of accounts on an automated collections system and/or auto-dialer. Please contact us if National Enterprise Systems is attempting to collect money from you.
About NES
If you’re receiving calls and letters from National Enterprise Systems, Inc., they’re probably contacting you about credit card debt, personal loans, or other past-due bills. National Enterprise Systems, Inc. is a legitimate debt collections agency. It collects on on behalf of 150 schools, as well as state governments and the financial, retail, and telecommunications sectors. West Virginia fined NES $75,000 for unlawfully adding debt collection fees to school tuition debts. If you are unable to beat National Enterprise Systems in court, then you might as well attempt to remove them from your credit report. Remember, not paying a debt will typically stay on your credit report for seven years from the delinquency date.
NES was established in 1987 and has rapidly grown to service more than 150 educational institutions as part of its collection portfolio. Many consumers have complained about multiple calls and threats being made that require immediate action. Consumers have filed complaints against National Enterprise Systems for almost every type of violation under the Fair Debt Collection Practices Act. From unauthorized calls to work to unauthorized disclosures, National Enterprise Systems have collected millions of dollars through these tactics.
Is National Enterprise Systems a scam?
Moreover, this language assumes that the recipient possesses awareness of some prior payment method; however, Plaintiff alleges that this was the first collection letter he received from Defendant. ( See Compl. ¶ 9.) In other words, the letter presents Plaintiff with two new options of remitting payment without explaining that a previous method of payment ( i.e., one that does not impose any fee) remains available. National Enterprise Systems, Inc. was established in 1987 by current President Ernest R. Pollak. It is a debt collection agency doing business in all 50 states. It serves creditors nation-wide from the financial services, retail, automotive, and telecommunications industries as well as higher education clients and government agencies.
If you’ve received a letter or a phone call—at home or at work—from NES, you immediately need to ask the agency to validate your debt. According to the Fair Debt Collection Practices Act, or FDCPA, you are entitled to confirm your debt before taking any further action. The FDCPA was created to protect consumers from harassment and unfair treatment. At McCarthy Law, our attorneys are well-versed in the rules outlined in the act, and can empower you by educating you about your rights while offering protection from relentless collectors. According to the law, the debt collection agency is obligated to validate the debt. If you don’t receive proper validation, then send a notice of insufficient validations.
- For the reasons set forth below, Defendant’s motion is DENIED.
- You are not required to use the automated phone system or the internet to make payment on this account.
- One of the FDCPA’s principal objectives is “to eliminate abusive debt collection practices by debt collectors.” 15 U.S.C. § 1692.
- Agents will work with customer to establish full balance repayment plans.
- Our team understands how to defend clients from these agencies and can advocate for your rights.
- According to the Fair Debt Collection Practices Act, or FDCPA, you are entitled to confirm your debt before taking any further action.
- They did not even give information on what the debt is for, how acquired or to who we owe.
If you have received a phone call or notice from National Enterprise Systems regarding a debt, contact a knowledgeable New York debt settlement attorney right away. Our legal team at Lebedin Kofman LLP is dedicated to protecting the rights of consumers throughout the state of New York. We have represented clients against a number of abusive or unfair debt collectors with favorable results. We may be able to help you negotiate debt settlement or prepare a solid legal defense on your behalf should your case go to court.
What is National Enterprise Systems? Are they real or a scam?
Make sure that you analyze your situation and find the best debt payoff solutions to match your situation.
National Enterprise Systems is governed by the Fair Debt Collection Practices Act and the Fair Credit Reporting Act . While these acts seem very complicated, they provide a great deal of power to you if you know how to use it. Settling your debt with National Enterprise Systems may help your score, but it may also hurt your score. You may also not have to pay at all, and if any issues with the account exist you may have it removed all together .
You make one low monthly payment and will never get an unexpected bill. Sort through our frequently asked questions to learn more about your debt and our debt relief program. While many households can comfortably pay off their debt, it is clear that many people are struggling with debt.
National Enterprise Systems Inc
However, even in “crafting a norm that protects the naive and the credulous,” courts must “carefully preserve the concept of reasonableness.” Id. Of course, the FDCPA does not provide relief for claims that are based on “bizarre or idiosyncratic interpretations of collection notices.” Cloman, 988 F.2d at 1320. SmithMarco, P.C., is a private law firm with its focus on consumer rights. Since 2005, SmithMarco, P.C., has handled various consumer rights matters including fraudulent transactions, debt collector harassment protection, and credit report inaccuracy problems.
National Enterprise Systems makes a profit from the money it recovers from consumers, which means it often charges late fees or adds extra charges to the original debt amount. While the SOL can affect the chance of a creditor winning a lawsuit, it does not prevent the debt collection agency from trying to get you to pay. Determining the actual SOL for your debt can be tricky.
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Like most collection agencies, NES has many complaints registered in the BBB and the Consumer Finance Protection Bureau . The CFPB has complaints about trying to collect a debt that the consumer didn’t owe, harassment and impersonating an attorney, law enforcement, or government official. However, collection agencies like NES typically buy collection accounts for 1 to 10 cents on the dollar. They will contact you, hoping to negotiate a settlement. That telephonic or electronic payments are Defendant’s preferred methods of payment or that, in contrast with past payment practice , payments should be made through Defendant’s 800 number or website. Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation.
If you were to file bankruptcy, it would remain for ten years, and being served with a default judgment can remain for even longer. Debt collectors often are very aggressive in their collection tactics. Like other debt collection agencies, NES Collections is strictly enterprise software a definition regulated by The Fair Debt Collection Practices Act. The attorneys in our firm have a total of more than 100 years experience handling consumer lawsuits. We look forward to hearing from you about this or any other consumer legal problem you wish to discuss.
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My dad and I received a letter from NES and we don’t owe anything to anyone. Most of my debt is in Chpt 13 so I should not be receiving any collection letters for anything. They did not even give information on what the debt is for, how acquired or to who we owe. They just say answer/pay amount in 30 days or they are going to move forward with a judgement. We are sending letter back stating that we don’t owe this debt and to provide us with documentation of debt. Plus, I will be sending a copy to my Chpt 13 attorney to see if he can do anything about it.
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The court opined that “consumer harm seems nonexistent” and that a consumer “might actually want to pay for the check-by-phone option.” Id. at 2-3. Specifically addressing Plaintiff’s § 1692f claim, the court relied on Lewis v. ACB Bus. However, for the reasons set forth below, the Court finds Mann’s reliance on the cases noted above misplaced and declines to adopt that court’s ultimate conclusion. District Court, Northern District of Illinois, refused National Enterprise Systems motion to dismiss Deschaine vs. National Enterprise Systems for alleged violations of the Fair Debt Collection Practices Act. According to the judge’s decision, the customer alleged that National Enterprise Systems delivered a first debt collection later that failed to effectively disclose the name of the lender to whom the debt was owed. The judge ruled the National Enterprise Systems motion to dismiss, and allowed the case to proceed.
What Is National Enterprise Systems Phone Number?
However, we strongly recommend giving a Credit Repair company , a call first. We’ll review why National Enterprise Systems is on your report and see how we might be able to dispute them. You have the right to dispute any debt of yours that National Enterprise Systems is trying to collect.
It’s very unlikely that National Enterprise Systems decides to sue. In rare cases it may happen, but it is not the norm. State and federal laws have limits or ‘exemptions’ that apply to bank and wage garnishments.