National Credit Systems Hit with FDCPA Lawsuit

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A Wisconsin woman’s proposed class action lawsuit alleges defendant National Credit Systems, Inc. (NCS) violated the Fair Debt Collection Practices Act (FDCPA). According to the complaint, NCS mailed the plaintiff a “false, misleading and confusing” collection notice that left the woman with “no idea what debt NCS is attempting to collect” or the supposed debt’s legitimacy. The notice made reference to “an unpaid debt owed to another apartment community,” yet the plaintiff claims she hasn’t lived in an apartment since around 1998. Even if she did owe such a debt, the lawsuit argues, it would no doubt be beyond the statute of limitations for collection.

Despite the alleged threats to take legal action the defendant included in the collection notice, the lawsuit asserts that the “plaintiff does not owe anything to another apartment community…non-payment to NCS of the alleged debt would have no consequences for or impact on [the plaintiff’s apartment search, the amount of rent or any other lease terms.]”