FDCPA Cease & Desist
How to Stop National Credit Systems Collection Calls
If National Credit Systems keeps calling you, federal law gives you a way to end it. Under the Fair Debt Collection Practices Act you can demand in writing that a debt collector stop contacting you. Once a covered debt collector receives this letter, federal law generally limits further contact. Here is who National Credit Systems is, why they have your number, and exactly how to shut the calls down.
Move out charges and broken lease fees are among the most padded balances in collections. Demand an itemized breakdown before paying a dollar.
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Who is National Credit Systems?
National Credit Systems specializes in debt owed to apartment communities and property managers, including broken lease fees, unpaid rent, and move out charges. Landlord claimed balances are frequently inflated or poorly documented, so validation matters more than usual here.
Company type
collection agency
Commonly collects
apartment debts · broken lease balances · property damage claims
You can check any collector's complaint history in the CFPB's public complaint database at consumerfinance.gov before you engage with them.
Your rights when National Credit Systems calls
Two federal rules control how National Credit Systems may contact you. The FDCPA (15 U.S.C. Section 1692c) gives you the right to cut off contact entirely with a written request. Regulation F, in force since 2021, presumes a collector is harassing you if it calls more than 7 times in 7 days about a single debt, or calls again within 7 days after speaking with you about that debt.
- Validate first. Within 30 days of first contact you can demand proof of the debt. If you dispute the debt in writing within the validation period, the collector must pause collection until it sends verification.
- Then send a written cease and desist. Cite 15 U.S.C. Section 1692c(c) and send it by USPS Certified Mail with return receipt. Phone requests do not trigger the law. It has to be in writing.
- Keep everything. Save the receipt, the green card, and a log of any call after delivery. Each violation is worth up to $1,000 in statutory damages plus attorney fees, and consumer attorneys take these cases on contingency.
Stop National Credit Systems From Calling
We draft your cease and desist letter, citing 15 U.S.C. Section 1692c(c) and your state's debt collection law, with National Credit Systems's name pre-filled. Add USPS Certified Mail with proof of delivery so you have evidence if they call again.
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National Credit Systems FAQs
Is National Credit Systems a legitimate company or a scam?
National Credit Systems is a real collection agency based in Atlanta, Georgia, not a scam operation. But legitimate company does not mean accurate debt. Collectors regularly pursue balances that are wrong, already paid, past the statute of limitations, or belong to someone else. Ask for written validation of the debt before you pay or even acknowledge it.
Why is National Credit Systems calling me?
National Credit Systems typically collects apartment debts, broken lease balances, property damage claims. As a third party agency, they were hired by the original creditor to collect on its behalf. If you do not recognize the debt, request validation in writing within 30 days of their first contact.
How do I make National Credit Systems stop calling?
Send a written cease and desist letter citing 15 U.S.C. Section 1692c(c), the FDCPA cease communication provision. Send it by certified mail with return receipt so you have proof of delivery. Once National Credit Systems receives it, they may only contact you to confirm they are stopping or to notify you of a specific legal action. Any other contact is a violation worth up to $1,000 in statutory damages plus attorney fees.
Can National Credit Systems still sue me after I send a cease and desist?
Yes, a cease and desist stops contact, it does not erase the debt. If the debt is valid and within the statute of limitations, National Credit Systems could still file suit. In practice, most accounts are never litigated. If you are served with court papers, respond by the deadline, because ignoring a lawsuit leads to a default judgment.
Dealing with a different collector?
Want the full legal background? Read our guide on how to stop debt collector calls under the FDCPA or check your state's cease and desist rules.
Company details are provided for general information and may change. This page is not legal advice and kweldoc is not affiliated with National Credit Systems. kweldoc is a document drafting tool, not a law firm.