Who Is National Credit Adjusters? Why Are They Calling Me?
Most commonly for attempts to collect debt not owed
Contact National Credit Adjusters
- Address to send a debt validation letter
- National Credit Adjusters, LLC 327 W 4th St Hutchinson, KS 67501
- Phone
- 1-888-768-0674
- Official website
- https://www.ncaks.com
As of 2026-08-07 — verify before mailing anything important, since collectors do change addresses.
National Credit Adjusters (NCA) is a Kansas-based debt buyer and broker that purchases charged-off consumer debt and places it with a network of third-party collection agencies for recovery. If a collector contacts you about a debt originally purchased by NCA, ask them to validate the debt in writing before paying anything.
Has National Credit Adjusters been the subject of regulatory action?
Yes. In July 2018, the CFPB announced a consent order against NCA and its former CEO and part-owner, Bradley Hochstein, for violating the Consumer Financial Protection Act and the FDCPA. The Bureau found that NCA and the collection companies it worked with told consumers and their family members they owed more than they legally had to pay, and threatened them with lawsuits, process servers, and arrest that NCA had no intention or legal authority to pursue. The order imposed a $3 million civil penalty against NCA and a $3 million penalty against Hochstein personally, with most of each suspended on condition NCA pay $500,000 and Hochstein pay $300,000; Hochstein was permanently barred from working in any debt-buying or debt-collection business. If a collector working with NCA has threatened you with legal action or arrest, that’s the exact conduct this order addressed — see your rights when a collector won’t stop calling for how to respond.
Questions & Answers
Is National Credit Adjusters a legitimate debt collector?
National Credit Adjusters shows up in the CFPB consumer complaint database, which tracks real complaints filed against real companies — so it is a legitimate, registered entity, not a scam name. That doesn't mean every call claiming to be from them is real; scammers impersonate real collectors. Verify what they're collecting before paying anything — see what to do the first time a collector contacts you.
— US Debt Compass Editorial Team
How do I stop National Credit Adjusters from calling me?
Under the FDCPA, you can send National Credit Adjusters a written cease-and-desist letter and they must stop contacting you except to confirm they've received it or to notify you of specific legal action. This doesn't erase the debt — it only stops the calls. See the cease-and-desist letter glossary entry for how to send one.
— US Debt Compass Editorial Team
How do I dispute a debt with National Credit Adjusters?
Send a written debt validation request to National Credit Adjusters's dispute address within 30 days of first contact — they must then verify the debt before continuing collection. See the contact details above for the current mailing address.
— US Debt Compass Editorial Team
Is National Credit Adjusters on my credit report?
If National Credit Adjusters is collecting on an account, it can appear on your credit report as a collection tradeline, separate from the original creditor's listing. Check your credit report directly to confirm, and see the credit report dispute guide if anything about the listing looks wrong.
— US Debt Compass Editorial Team
Sources
- CFPB — Bureau Settles With National Credit Adjusters, LLC and Bradley Hochstein (July 2018)— consumerfinance.gov
- National Credit Adjusters — Contact Us— ncaks.worldsecuresystems.com