Getting a lot of calls from 855-480-8109? It is very likely that you are feeling frustrated and very stressed. In fact, you may even wonder who is calling. The good thing is that 855-480-8109 is probably a debt collection company and not just some scammer calling from a random number.
In this page, you will find out who is calling you from 855-480-8109 and why they are calling you. You will also find out if these calls are genuine and what you can do if these calls are annoying you about debt.
Who Is Calling From 855-480-8109?
855-480-8109 is a toll-free number managed by NCB Management Services. They are a licensed company that helps collect debts from people, over the country.
NCB Management Services helps recover balances and they work for banks, lenders and service providers. Accounts they frequently collect on include:
- Past-due credit card accounts
- Personal loans and installment agreements
- Outstanding medical bills
- Purchased debt portfolios passed down from other collection agencies
While NCB Management Services is a legitimate business, being a licensed agency does not give them permission to break consumer protection laws or handle collection efforts improperly. To find out more about what this agency does you can look at our guide on NCB Management Services.
Is 855-480-8109 a Scam?
In most cases, NO. Calls from 855-480-8109 are not a scam. They are coming from an active collection firm attempting to collect on a debt.
However, scammers sometimes use caller ID spoofing to show business numbers. To keep yourself safe, you need to know how a real collector acts compared to a scammer. A real collector such as NCB Management will always give information about the company that you owed money to, explain the details of your account, and send a written notice when you ask for it.
Conversely, you should suspect spam activity if the person on the phone does not want to send anything in writing, asks for money through ways that cannot be tracked (like prepaid gift cards, digital money or cash transfers) or says you will be arrested or taken to court right away.
Why Is 855-480-8109 Calling You?
There are a few routine reasons why NCB Management Services might have your phone number on their daily call roster:
An account was placed or sold to them: An original credit card issuer or lender may have hired NCB to collect a past- balance or sold the debt to them outright.
They are verifying contact information: Collectors are checking contact information for debtors. They often use databases to find new phone numbers, for debtors. Sometimes this can cause them to call the number.
An earlier notice went unaddressed: If a debtor did not get a notice or missed a phone call the agency will call them more often to get in touch with the debtors.
What to Do When They Call?
When you get a call from 855-480-8109, take an approach to keep your information and legal rights safe.
Here are some things to do:
- Keep your information to yourself: Never tell someone your Social Security number or your banking details or your birthdate. This should be done only if the person on the other end proves their identity and affiliation. It is necessary to be careful about the confidentiality of one’s information when getting a phone call from 855-480-8109.
- Demand debt validation: Ask the caller to provide written proof of the supposed debt at your mailing address.
- Document every contact: Maintain a simple log recording the date, exact time, caller’s name, phone number, and a summary of what was said.
- Avoid making immediate payments: Never agree to a partial payment or authorize a bank draft on the spot without receiving written terms first.
How to Stop Calls From 855-480-8109
You do not have to endure endless phone calls. Consumers have specific tools under federal law to limit or end debt collection outreach:
- Submit a formal written request: You can send a written letter by mail asking the agency to stop calling your phone. Check our step-by-step guide on how to write a cease-and-desist letter to a debt collector for help, with the format.
- Use your FDCPA and TCPA rights: According to the Fair Debt Collection Practices Act (FDCPA), debt collectors are required to respect written communication preferences. Additionally, as per the provisions of the Telephone Consumer Protection Act (TCPA), an agency is not supposed to call your private mobile using dialing machine or recorded voice without your consent.
- Dispute the debt in writing: If you do not know about the debt you should dispute it in writing. You need to do this within 30 days of when they first get in touch with you.
- Talk to a professional: It is a good idea to speak with a consumer rights lawyer before agreeing to pay anything. This can help protect you from collection methods.
Is This Debt Harassment?
While debt collectors are allowed to contact you, their communication methods must remain reasonable and lawful. Warning signs that NCB Management Services may be engaging in unlawful collection harassment include:
- Calling multiple times in a single day or reaching out repeatedly after being asked to stop
- Contacting you before 8:00 AM or after 9:00 PM in your local time zone
- Using profane, abusive, or intimidating language
- Informing third parties such as relatives, employers, or neighbors about your private financial matters
- Threatening legal actions they cannot legally take, such as claiming you will face immediate jail time
- Continuing phone contact after receiving a certified cease-and-desist letter
What You Can Do If You’re Being Harassed?
If you think NCB Management Services has gone beyond what’s legal and is harassing you, you don’t have to stay quiet. You can share this behavior with consumer protection groups such, as the Consumer Financial Protection Bureau or the office of your State’s Attorney General. Make sure to keep all voicemails collection letters and phone records as proof.
Also, if a debt collection agency does something and breaks federal laws under the FDCPA, the people who are hurt by this can get some money up to $1,000 because the law says so. Most lawyers who help people with these problems do not charge them anything unless they win the case. This means you do not have to pay anything to the FDCPA lawyers to help you with your FDCPA problems and get your rights.
Talk to a Debt Harassment Lawyer for Free
If 855-480-8109 keeps calling you, then you need to get in touch with our law firm for advice on how to prevent that from happening again. Please visit our website to see how we can assist you with that.
Call (855) 254-7841
For a case review request, please fill out our contact form at https://yourlegalrightsadvocates.com/
FAQ
1. Who is 855-480-8109?
The phone number 855-480-8109 belongs to NCB Management Services. NCB Management Services is a company that collects debt from people, over the country.
2. Is 855-480-8109 a legitimate number?
Yes, it is a legitimate number. It belongs to a debt collection agency that is allowed to operate and has a license. But being legitimate doesn’t make every call legal – under the FDCPA and TCPA, tactics like harassment, unapproved cell phone robocalls, and calls made after a written stop request are still unlawful.
3. Why does NCB Management keep calling me?
They are likely trying to recover a past-due balance placed with them by a credit card issuer, bank, or loan provider.
4. Is there a way to stop the calls from NCB Management?
Yes, sending a cease-and-desist letter or validating the debt in writing is one way to put a stop to calls.
5. What happens if I ignore calls from 855-480-8109?
Ignoring the calls will not make the underlying balance go away and may lead to escalated collection tactics or credit reporting issues.
6. Can I sue for harassment from a debt collector?
If a collector violates the FDCPA, you may be entitled to recover up to $1,000 in statutory damages plus attorney fees.
7. What other numbers does NCB Management use?
NCB Management Services uses various phone lines to conduct outreach. See the list below for other numbers tied to this agency.
Other Phone Numbers Used by NCB Management
If you are receiving calls from other numbers, NCB Management Services is also known to contact consumers using the following lines:
