National Credit Systems  – My heart goes out to you if you can relate to my story and have also experienced, as I did, the tremendous amount of frustration caused by the incompetence of National Credit Systems. I’m relieved now that the experience is over. I won my case via a pre-trial conference, but I wouldn’t have gotten through it without the help of Lexington Law!

Why I Sued National Credit Systems!

I sued National Credit Systems after I discovered that they had frozen my checking account. The story begins at the ATM when I tried to withdraw cash from my checking account and was denied access.

I tried several times to access my account, and after many failed attempts, I finally called the banks automated customer service number,  only to discover that my account showed a zero balance!

So, despite my confusion & frustration at this point, I chose to speak with an actual representative who informed me that my account was frozen! After the initial panic subsided, I found out that a bank levy had been placed on my account due to a court order, and that the bank was closing my account.

My child support payments and unemployment payments were both deposited into this account, and I also needed this account to pay my rent. So, my next step was to calm down and go speak with the bankers personally.

I was told by the bankers that I had been summoned to appear in court by National Credit Systems, but “failed” to appear on the court date.

So judgment was ruled in favor of National Credit Systems and my account was frozen. My next step was to sue National Credit Systems, beginning with the fact that I had never received a summons, and had no knowledge of the debt.

Additionally, I had already made payment arrangements with National Credit Systems (around four years ago) to pay the debt off at a lower amount; there was no written contract, so, I didn’t know exactly how I was going to prove this arrangement. The lesson here is simple: Put everything in writing!

Upon suing National Credit Systems, I was instructed to attend a pre-trial conference. A pre-trial conference is where the disputes of both parties are presented in front of mediators, for the sake of trying to resolve legal issues without having to go to trial.

National Credit Systems brought in their own legal representatives, and I chose to be represented by Lexington Law.

By Law, National Credit Systems Debt Must be Deleted!

Four years ago, when I reached a settlement with National Credit Systems about the debt and made arrangements for payment, I believed the matter to be resolved. As far as my credit report, I knew my debt resolution wouldn’t show up for some time.

Throughout that four year period, I had no communication or correspondence with National Credit Systems. I later learned through my Lexington Law representative that this lack of communication actually benefited me dramatically, because National Credit Systems had violated the Statute of Limitations law.

In layman’s terms, the Statute of Limitations is the expiration date of a debt. Basically, a debt expires after a certain amount of time, and after this has happens, debt collectors must, by law, delete the debt from the credit report (Statute of Limitations varies by state).

I learned that if I communicated with National Credit Systems during that four year period, I would have unknowingly reset the Statute of Limitations and would have found myself waiting another four years for the expiration of the debt.

During the pre-trial conference my Lexington Law representative cited the Statute of Limitations law: “The Fair Debt Collection Practices Act indicates that debt collectors may not file suit against a consumer, based on Time-Barred debts. The Statute of Limitation grants debt collectors a limited number of years to file suit against a consumer; after which, the unpaid debt is considered “time-barred”, and the consumer is no longer legally obligated to pay it; nor can the unpaid debt generate a lawsuit against said consumer”.

The Freeze On My Account Was Finally Over!

The representative for National Credit Systems rebutted that they had justification in filing suit against me, claiming that I was served the summons prior to the expiration date of the debt.

What they failed to realize, however, was that I was out meeting with prospective employers; I had written and notarized testimonials confirming my presence at these places during the time I had supposedly been served the summons.

My representative from Lexington Law countered that National Credit Systems statements are inaccurate because, according to my account’s activity, the last communication I had with them was four years ago.

My representative also added that since it was clear that my personal rights had been blatantly violated by their lawsuit and the legal proceedings that followed, he charged National Credit Systems with personal damages for abuse & harassment.

It was established that National Credit Systems clearly violated the Fair Debt Collection Practices Act, so  the judge ruled in my favor, reversed the prior judgment, erased the debt and removed the freeze on my checking account!

Thanks to Lexington Law, I was also awarded $1500 in personal damages!

 

I heard of Lexington Law, but like many people, I believed that I was knowledgeable and capable enough to handle my credit issues without any help. After trying to handle National Credit Systems on my own, I realized that I only complicated matters further. I needed help – and fast!

Had things continued on, without the advice & expertise of Lexington Law, I would have lost my my child support & unemployment payments, and me and my children would have eventually been homeless.

I’m sure you’ve seen many news reports about the personal economic devastation that occur when a little credit issue becomes this massive legal issue. The moment I realized that National Credit Systems was putting me through the same thing, I knew that I had to call Lexington Law for legal help.

I was relieved by Lexington Law’s refund policy, assuring me that there were no risk in choosing their legal representation. This assured me that, if I lost the case, I’d get my money back.

So, I’d still be able to hang on to my own money if National Credit Systems won the case. After working with my Lexington Law representatives and seeing how knowledgeable and capable they were at handling my credit issues – and getting me that unexpected reward of $1500 in personal damages  – I knew my choice was the right one.

I won the case, my finances returned to normal within two weeks, and all the pressures of bad credit was finally off. National Credit Systems became a distant memory. I was completely impressed by Lexington Law’s credit repair services, and I will definitely be using them again, should I have any future credit issues. They will fight for you, plain and simple!

 

Here are a few tips to take away from this story, should you find yourself in a similar situation:

1. The law is your friend, and the laws in the Fair Debt Collection Practices Act are designed to protect you from predatory debt collectors, like National Credit Systems.
2. Credit repair is not as painful or as lengthy as you might think!
3. When a company like National Credit Systems contacts you, regarding old debt, DO NOT admit or agree to owing (or paying) anything – especially over the phone. If you do, the Statute of Limitations resets and they can sue you.
4. Should you choose to handle your credit matters without the expertise of a legal representative, see to it that ALL communications (from both sides) are written, dated, signed  and kept in a safe location.
5. If you find yourself being sued after the expiration of a debt, seek legal assistance – as their counsel will effectively guide you through lawsuit proceedings. Also, get the lawsuit dismissed on the grounds of Statute of Limitations.
6. National Credit Systems predatory and harassing methods violates personal rights. They can be charged with intentional infliction of emotion, and, if found guilty, the collection agency will be forced to pay the consumer in personal damages & legal fees.
7. Lexington Law gives you FREE credit repair and legal advice. Either way, they will fight  for you!

If you want to know more about the Fair Debt Collection Practices Act, or how you too can delete National Credit Systems debt, check out this FREE eBook today!