Who is NCEP LLC?
NCEP LLC, also known as Credigy Receivables, Inc., is a debt buying company based in Carson City, Nevada. As a debt buyer, they purchase delinquent or charged-off debts from a variety of lenders and credit issuers at a discount.
The company then attempts to collect the debt themselves or through contracted third-party agencies. If you see NCEP LLC listed on your credit report, it means they have acquired a debt you owe and are attempting to collect on it.
Who does NCEP LLC collect for?
NCEP LLC does not typically collect on behalf of original creditors. Instead, they buy the debts of original creditors, which can range from credit card companies to loan providers.
Is NCEP LLC legit or a scam?
NCEP LLC is a legitimate company. However, they may engage in practices that can feel intrusive or overwhelming, such as repeated calls, texts, or emails.
How can I remove NCEP LLC from my credit report?
Collection accounts can impact your credit score for up to seven years, so it’s essential to address them promptly. To remove collections from your report, start by disputing any errors related to the account with the credit bureaus.
If the information is accurate, consider negotiating a “pay-for-delete” agreement, where you offer payment in exchange for the account’s removal. Another option is to work with a credit repair service that specializes in challenging collections.
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NCEP LLC Contact Information
Address:
NCEP LLC
112 N Curry St.
Carson City, NV 89703
Phone number: (866) 678-4153
Should I contact or pay NCEP LLC?
Before contacting a collection agency, verify that the debt is legitimate and accurately reported. Credit reports can contain errors or list debts that are no longer valid. Also, be aware that making payments on a debt can reset the clock and potentially harm your credit.
The most effective way to deal with NCEP LLC is to work with a credit repair professional. They help remove millions of negative items every year from companies like NCEP LLC on behalf of their clients.
Will NCEP LLC sue me or garnish my wages?
NCEP LLC has the ability to sue you for the unpaid debt. If they win a judgment in court, they may have the ability to garnish your wages or seize assets depending on your state’s laws.
It’s important to remember that not all debts result in such measures. The decision to sue is often dependent on various factors, including the size of the debt and the potential ability of the debtor to repay.
NCEP LLC Complaints
Many collection agencies have numerous complaints filed with the Consumer Financial Protection Bureau (CFPB) and the Better Business Bureau (BBB). Most complaints are about inaccurate reporting, harassment, or failure to verify a debt. If you are being harassed, consider filing a complaint.
You have many consumer rights under the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA). These rights include disputing credit reporting errors and being treated fairly and respectfully by debt collectors.
Your Rights When Dealing with NCEP LLC
Debt collectors must follow state and federal laws. The Fair Debt Collection Practices Act (FDCPA) prohibits abusive, unfair, or deceptive practices and ensures your rights are protected:
- It is a violation of federal law for NCEP LLC to report inaccurate or incomplete information about you.
- You have a legal right to request debt validation on an alleged debt. Send the collection agency a debt validation letter. They have 30 days to prove the debt is yours and the amount is accurate.
- NCEP LLC cannot threaten or harass you, call repeatedly, swear at you, or publicly publish a list of debtors.
- NCEP LLC must be honest about who they are and their purpose. They must notify you in writing and verbally that they are a debt collection agency.
- NCEP LLC cannot threaten to have you arrested or imprisoned for unpaid debts.
Remove NCEP LLC From Your Credit Report Today!
Credit Saint offers assistance with disputing NCEP LLC collection accounts. With over 15 years of experience, they have worked with clients to address incorrect entries on credit reports.
If managing collection accounts feels overwhelming, working with a trusted credit repair company could be a helpful step toward improving your credit.
Visit their website or call (855) 281-1510 for more details.
