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National Financial Systems

National Financial Systems is a privately owned, Florida-based agency that has been in business for over 30 years. They tackle literally any kind of debt other than mortgages. National Financial Systems represents top credit card issuers, travel cards, oil cards, lines of credit, and car loans. The bulk of their business is conducting debt collection activities on behalf of their clients, although they do buy debt as well. NFS operates three call centers, located in West Palm Beach, FL, Orlando, FL, and Hicksville, NY.

Stop National Financial Systems Harassment

National Financial Systems (NFS) may push the collections envelope on the debt that they purchase. Understand that purchased debt, where the debt collection agency now owns the debt, can be far more lucrative to the debt collection agency than the commission it makes by representing creditors. As a result, they are highly motivated to collect.

Purchased debt is usually old debt. This means it may be near or past the statute of limitations. If you get a call from National Financial Systems and they bring up a debt that either you don’t recognize or that you thought was written off years ago, say as little as possible. Simply tell the collector that you don’t recognize the creditor and that the debt is not yours. The collector will persist, and that’s when you ask them “When was the last transaction on this account?”

The last transaction, typically your last payment, is when the clock started to tick. Each state has a different standard for their statute of limitations, and it can vary from 2 to 15 years. Check with your state’s Attorney General’s office to find out the statute of limitations where you live. If the last transaction was older than your state’s statute of limitations, just tell the collector it’s not your debt and tell them not to call you again.

Do not admit it is your debt, do not make any payment plan, and certainly don’t send any money. Any of these actions could be considered a “transaction” and the clock starts all over again.

National Financial Systems Contact Information

National Financial Systems
1400 Northpoint Parkway, Suite 20
West Palm Beach, FL 33407
800-806-5947

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