866-227-9324 Called You?

Who Is 866-227-9324 ?

866-227-9324 belongs to NCC Business Services of America. They’re a debt collector reporting a collection account on your credit report.

This can mean 2 things:

 
1. They’ve purchased your debt from the original creditor (such as a credit card company), and they’re now calling you to collect that debt.
 
2. They don’t own the debt themselves, but are being paid to collect on behalf of another company.

The worst part is you now have a collections account on your credit report, which will be hurting your score. It also lowers your chances of being approved for credit (at least with good interest rates).

How Can I Get 866-227-9324 to Stop Calling Me?

There are a number of ways you can go about this, but the easiest one (which we highly recommend), is to reach out to a company that specializes in dealing with debt collectors, such as Credit Sage.

Call us today on (855) 677-2127 and speak with one of our friendly collection specialists. They’ll review your credit report with you (for free), and walk you through your best options.

The best news? We’ve helped thousands of customers remove NCC Business Services of America from their credit reports (without having to pay their debt). When NCC Business Services of America is removed from your report:

 
• They will stop calling you
 
• Your credit score will increase

What Are Your Rights When Dealing with Debt Collectors?

It's essential to understand your rights when dealing with debt collectors. The Fair Debt Collection Practices Act (FDCPA) is a federal regulation that outlines what debt collectors can and cannot do when interacting with you. According to the FDCPA, you have the right to:

• ask the debt collector to stop contacting you
• request that the debt collector only communicate with you in writing
• dispute the debt within thirty days in writing
• ask for verification of the debt

It's important to be familiar with your rights under the FDCPA since debt collectors must abide by them. If they fail to do so, you can file a complaint with the Consumer Financial Protection Bureau or take legal action against them. Being aware of your rights can help protect you from any abusive or harassing practices by debt collectors.

How to Prevent Future Debt Collection Calls

Dealing with debt collectors can be incredibly stressful and irritating. Here are a few tips to help you avoid future collection calls:

• Set a budget and work towards sticking to it, this can help you to stay on top of payments and avoid debt collection calls
• Reach out to your creditors and try to negotiate payment plans or settlements before the account reaches collections
• Monitor your credit report frequently in order to catch any accounts that may have gone into collections early
• If you do get contacted by a debt collector, obtain their name, company they represent, and contact information. Wait until you have verified that it is a valid call before providing any of your personal information.

By taking these proactive steps, you can reduce or even avoid future debt collection calls and improve your financial health.