Start My Answer
loading...

How to Settle With National Credit Adjusters

Dena Standley | January 16, 2026

Dena Standley
Legal Expert, Paralegal
Dena Standley, BA

Dena Standley is a seasoned paralegal with more than 20 years of experience in legal research and writing, having received a certification as a Legal Assistant/Paralegal from Southern Technical College.

Edited by Hannah Locklear

Hannah Locklear
Editor at SoloSuit
Hannah Locklear, BA

Hannah Locklear is SoloSuit’s Marketing and Impact Manager. With an educational background in Linguistics, Spanish, and International Development from Brigham Young University, Hannah has also worked as a legal support specialist for several years.

Beating National Credit Adjusters feels like ^^

Summary:If National Credit Adjusters is contacting you about a debt or has filed a lawsuit, there are practical steps you can take to understand the claim, protect your rights, and work toward a resolution—often through settlement.

It’s not uncommon for consumers to be contacted about a debt that looks unfamiliar or seems much higher than expected. In many cases, the original debt has been sold, transferred, or bundled with fees and interest before reaching a collection agency.

If National Credit Adjusters has contacted you about a balance that doesn’t line up with what you remember, don't panic or ignore it. Keep reading to learn how to respond to a National Credit Adjusters lawsuit and settle your debt.

Who Is National Credit Adjusters, LLC?

National Credit Adjusters, LLC (often called NCA) is a third-party debt collection agency that works with lenders across several industries, including consumer loans, credit cards, auto loans, retail credit, and short-term installment loans.

In many cases, NCA collects on accounts that original creditors have charged off or sold. Because debts may change hands, it’s important to confirm the details of any claim before making payment decisions.

National Credit Adjusters phone number:

Mailing address: P.O. Box 3023, Hutchinson, KS 67504
Email: info@ncaks.com
Phone: 888-768-0674

Ask National Credit Adjusters to validate your debt

If you’re unsure about the debt, you can request more information by sending a Debt Validation Letter. This is a formal request asking National Credit Adjusters to confirm details such as:

  • The original creditor
  • The amount owed
  • Proof that the debt belongs to you
  • Their authority to collect the debt

Under federal rules, debt collectors must provide certain information, and they generally pause collection efforts while validating the debt. This step helps ensure everyone is working with accurate information.

Need a template? Use this Debt Validation Letter template to get started.

Why debt validation matters

Requesting validation can be helpful because:

  • It pauses collection activity while the debt is reviewed
  • It gives you documentation to confirm whether the debt is accurate
  • It may resolve issues early if information is missing or incorrect

Many consumers choose to wait for this information before deciding whether to dispute, settle, or pay a debt.

Check the statute of limitations on your debt

Every state limits how long a debt can be enforced through a lawsuit. This time period—called the statute of limitations—varies by state and by debt type.

If the statute of limitations has expired, the debt may still exist, but it may no longer be legally enforceable in court. Before making payments or agreements, it’s important to confirm whether the debt is still within this legal window, since certain actions can restart the clock.

Learn more: Statute of Limitations on Debt by State.

Exploring settlement options

If the debt is valid and enforceable, many consumers choose to resolve it through settlement. Settlement means agreeing on a reduced amount or payment terms that close the account.

Possible settlement options may include:

  • A lump-sum payment for less than the full balance
  • A structured payment plan
  • In some cases, a request for updated credit reporting after payment

Any agreement should be confirmed in writing before you send payment. After settlement, it’s a good idea to review your credit report to ensure the account reflects the agreed-upon resolution.

Want to negotiate online? Explore settlement options with SoloSettle.

What If National Credit Adjusters Files a Lawsuit?

If National Credit Adjusters files a lawsuit, responding on time is critical. Filing a written Answer allows you to:

  • Respond to each claim in the complaint
  • Raise applicable defenses, such as incorrect amounts or statute of limitations
  • Keep the case active and preserve your ability to negotiate

Many cases that begin in court still resolve through settlement after an Answer is filed.

Served with a Summons and Complaint? Draft and file your Answer with SoloSuit.

Key Takeaway

Being contacted by National Credit Adjusters doesn’t have to be an adversarial experience. By verifying the debt, understanding your legal options, and considering settlement where appropriate, many consumers are able to resolve these accounts in a clear, structured way—often without unnecessary stress.

Follow these six steps if you're being sued by National Credit Adjusters, LLC

If National Credit Adjusters is suing you for a debt, you can represent yourself and beat them in court with SoloSuit's help. The first step to winning a debt lawsuit against NCA is to respond.

Follow these six tips to draft and file an Answer to a debt lawsuit against National Credit Adjusters:

  1. The Answer isn't the place to tell your side of the story in detail. Instead of using an elaborate story to respond to the lawsuit, your Answer should focus on responding to the claims listed in the Complaint document. Keep it simple. You can admit, deny, or deny due to lack of knowledge.
  2. Deny, deny, deny. Most attorneys recommend that you deny as many claims as possible, forcing National Credit Adjusters to do more work to prove their side of the case.
  3. Include affirmative defenses. These are any legal reasons that NCA should not win the case. A common affirmative defense used in debt lawsuits is the statute of limitations, which is the time period that a debt collector has to sue someone for a debt. If the debt is past the statute of limitations, then the lawsuit is void.
  4. Use standard formatting or “style”. At the head of the Answer document, be sure to include a caption where you list the court information, party information, and case number.
  5. Include a certificate of service. It's important to serve your Answer to National Credit Adjusters. At the end of your Answer document, include a certificate of service when you verify the address you used to serve NCA the Answer.
  6. Sign it. Most courts reject any legal documents without signatures, which is why this last step is so crucial.

Check out this video to learn more about these six tips:



What is SoloSuit?

You can use SoloSuit to respond to a debt lawsuit, to send letters to collectors, and even to settle a debt.

SoloSuit's Answer service is a step-by-step web-app that asks you all the necessary questions to complete your Answer. Upon completion, we'll have an attorney review your document and we'll file it for you.

Respond with SoloSuit

"First time getting sued by a debt collector and I was searching all over YouTube and ran across SoloSuit, so I decided to buy their services with their attorney reviewed documentation which cost extra but it was well worth it! SoloSuit sent the documentation to the parties and to the court which saved me time from having to go to court and in a few weeks the case got dismissed!" – James

Get Started

We have answers.
Join our community of over 40,000 people.

You can ask your questions on the SoloSuit forum and the community will help you out. Whether you need help now or are just looking for support, we're here for you.

Ask a Question.

>>Read the FastCompany article: Debt Lawsuits Are Complicated: This Website Makes Them Simpler To Navigate

>>Read the NPR story on SoloSuit. (We can help you in all 50 states.)

How to Answer a Summons for debt collection in all 50 states

Here's a list of guides on how to respond to a debt collection lawsuit in each state:

The Ultimate 50 State Guide

Debt collector guides

Are you being contacted by a debt collector? We’re making guides on how to resolve debt with each one.

Arbitration

If the thought of going to court stresses you out, you’re not alone. Many Americans who are sued for credit card debt utilize a Motion to Compel Arbitration to push their case out of court and into arbitration.

Below are some resources on how to use an arbitration clause to your advantage and win a debt lawsuit.

Bankruptcy

Bankruptcy is a great way to legally resolve debt, but it's usually best to consider it as a last resort. Here are some bankruptcy guides to help you decide which debt resolution option is best for you.

Check your case status

Don’t have time to go to your local courthouse to check the status of your case? We’ve created state guides on how to check the status of your case throughout the US, complete with online search tools and court directories.

Credit

Debt has a big impact on your credit. Below is a list of guides on how to repair and improve your credit, even while managing major debt, along with other credit-related resources.

Debt collection FAQs

Find answers to some of our the most commonly-asked questions about debt collection below.

Debt collection documents and templates

If you're dealing with debt, these documents and templates will help you respond, protect your rights, negotiate, and resolve your debts.

Debt relief

We’ve created a specialized guide on how to find debt relief in all 50 states, complete with steps to take to find relief, state-specific resources, and more.

Debt settlement

Debt settlement is one of the most effective ways to resolve a debt and save money. We’ve created state guides on debt settlement. Find out how to settle in your state with a simple click and explore other debt settlement resources below.

Eviction

Facing an eviction? The following guides will help you navigate your situation with confidence.

Federal debt collection laws

Knowing your rights makes it easier to stand up for your rights. Below, we’ve compiled all our articles on federal debt collection laws that protect you from unfair practices.

Legal aid

Helping people find access to justice is at the heart of Solo's misison. If you're dealing with a legal debt issue, the following guides will help you through it.

Medical debt

Having a health challenge is stressful, but dealing with medical debt on top of it is overwhelming. Here are some resources on how to manage medical debt.

Personal finance

Learn how to manage your finances and overcome crushing debt. Check out our personal finance guides below.

State debt collection laws

Debt collection laws vary by state, so we have compiled a guide to each state’s debt collection laws to make it easier for you to stand up for your rights—no matter where you live.

Statute of limitations on debt

Like all debt collection laws, the statute of limitations on debt varies by state. So, we wrote guides on each state’s statutes and more.

Stop collection calls

Do you keep getting calls from an unknown number, only to realize that it’s a debt collector on the other line? If you’ve been called by any of the following numbers, chances are you have collectors coming after you, and we’ll tell you how to stop them.

Wage garnishment

Forgot to respond to your debt lawsuit? The judge may have ordered a default judgment against you, and with a default judgment, debt collectors can garnish your wages. Here are our guides on how to stop wage garnishment in your state, plus other wage garnishment resources.

The Debt Hotline

Hosted by Team Solo, The Debt Hotline breaks down debt and personal finance topics with help from attorneys, financial experts, and industry pros. We respond to real questions to help you navigate debt with knowledge and courage.

Other debt resources



Contents