National Debt Holdings purchased your charged-off account and handed it to a third-party agency. The agency making the calls is not NDH, but NDH owns the debt. Collection agency harassment by that third party is still actionable under federal law.
According to BBB complaint records, consumers have alleged that agencies under NDH disclosed debt details to family members and threatened jail time. Others allege the agency continued calling after written cease requests. If NDH’s name appears on your credit report or a collector is calling about an NDH account, call +1-844-638-1122.
Key Takeaways
- National Debt Holdings, LLC (NDH) is a passive debt buyer founded in 2011 and headquartered in Fort Lauderdale, Florida. NDH purchases charged-off portfolios and assigns them to licensed third-party agencies for collection.
- NDH holds a BBB A+ rating and RMAI Certified Receivables Business designation. The company states it does not make outbound calls or contact consumers directly.
- According to BBB complaints, agencies working under NDH have allegedly threatened consumers with jail, disclosed debt details to relatives, and continued contact after cease-and-desist requests.
- NDH’s own BBB responses confirm the passive buyer model: the agency calling you is not NDH, but NDH is the entity that owns the debt and hired that agency.
- FDCPA violations by NDH’s third-party agencies may create liability for NDH as the debt owner. TCPA violations for unauthorized automated calls may yield $500 to $1,500 per call.
- The Wood Firm PLLC handles these cases on contingency: no upfront fees, and if violations occurred, they pay our fees.
Free Case Review: +1-844-638-1122
Who Is National Debt Holdings?
National Debt Holdings, LLC is a passive debt buyer founded in January 2011. CEO Jeremy Poehler heads the company from Fort Lauderdale, Florida. NDH purchases portfolios of charged-off consumer debt from original creditors after those creditors write the accounts off. Debt types include credit cards, personal loans, fintech loans, auto deficiencies, retail store cards, and utility bills.
NDH operates as a master servicer, meaning it owns the debt but does not collect it directly. After purchasing an account, NDH assigns it to a licensed third-party agency or law firm. NDH states it does not make outbound calls or contact consumers.
In most cases, NDH does not report to credit bureaus. In our practice, the first question in any NDH file is identifying which agency NDH assigned the account to. That agency is the entity whose conduct we examine for FDCPA violations.
NDH holds BBB accreditation with an A+ rating. The Receivables Management Association International (RMAI) certifies NDH as a Certified Receivables Business (CRB). Neither certification protects the agencies’ NDH hires from federal consumer protection law.
- Also Known As: NDH, National Debt Holdings LLC
- Headquarters: Fort Lauderdale, Florida
- Founded: January 2011
- CEO: Jeremy Poehler
- Debt Types: Credit cards, personal loans, fintech loans, auto deficiencies, retail store cards, utility bills
- Phone: Contact NDH through their consumer portal at nationaldebtholdings.com/consumers/
- BBB Profile: National Debt Holdings BBB listing (A+, accredited)
- Website: nationaldebtholdings.com
Phone Numbers Associated with National Debt Holdings
NDH does not make outbound collection calls. The number on your caller ID belongs to a third-party agency NDH hired to collect the account. NDH’s consumer contact line for account inquiries is documented in their consumer portal:
- NDH Consumer Inquiries: nationaldebtholdings.com/consumers/
If a collector called you about an NDH account, ask them to identify themselves in writing. Get the agency’s name, mailing address, and the name of the debt owner. That information tells us which entity to examine for violations. Learn how to document every call correctly: date, time, number, and exact language.
Why Is National Debt Holdings on Your Credit Report
National Debt Holdings appears on your credit report because a creditor sold your charged-off account to NDH. When a lender writes off an account, it may sell it to a debt buyer like NDH. NDH becomes the new owner of record. In most cases, NDH itself states it does not report to the credit bureaus. If NDH appears on your report, the entry likely came through the original charge-off or through an agency NDH hired.
Any credit entry from NDH or an assigned agency must comply with the Fair Credit Reporting Act. A debt buyer cannot report inaccurate information. If the debt was already paid, any collection entry must be corrected or removed. It cannot report a debt without first sending the required validation notice. If an entry appeared before any written notice arrived, that sequence may violate the FDCPA and the FCRA.
Why Is National Debt Holdings Calling You
National Debt Holdings is not calling you directly. NDH is calling you through a third-party agency it hired to collect on an account NDH owns. That distinction matters legally. The agency calling you is subject to the FDCPA. Its violations may also implicate NDH as the debt owner.
BBB complaint records reveal a documented pattern in accounts NDH places with third parties. Consumers have alleged the following from agencies working NDH accounts:
- Threatening jail time to family members. An August 2025 BBB complaint describes a collector calling a 72-year-old father in a different state and allegedly threatening that his adult child would go to jail. Threatening arrest for a civil debt violates 15 U.S.C. § 1692e.
- Disclosing debt details to third parties. A May 2025 complaint documents a consumer whose relatives and coworkers received voicemails disclosing her personal debt information. Sharing debt details with anyone other than the consumer, their spouse, or their attorney violates 15 U.S.C. § 1692c(b).
- Calling after a written cease-and-desist. The same May 2025 complaint shows the collector continued calling after a written cease request. Collectors who call at night or after a cease request face compounding violations. According to the consumer’s account, the agency told her it did not have to honor the cease-and-desist. Each call after confirmed receipt of a written cease request may be a separate FDCPA violation.
- Misrepresenting account ownership. Multiple complaints show consumers receiving calls from agencies not authorized by NDH. In two 2024 complaints, NDH confirmed it had no affiliation with the calling entity. The caller claimed to represent NDH’s account without authorization.
NDH’s own BBB responses consistently state that it is a passive buyer and did not place certain calls. That response does not resolve the consumer’s legal position. The agency that called you may still face FDCPA liability for what it said. NDH’s authorization, or lack of it, does not eliminate the agency’s responsibility.
Can National Debt Holdings Sue You
NDH itself rarely files lawsuits against consumers. As a passive buyer, NDH assigns accounts to law firms or agencies that handle litigation. Any lawsuit would come from that agency or law firm, not NDH directly.
If a lawsuit arrives, respond to it. Ignoring it produces a default judgment. Before any payment or response, demand written validation of the debt. Verify the original creditor, the account origination date, and every assignment between the original lender and NDH. Purchased debt portfolios often lack complete documentation. A collector without adequate chain-of-title records may lack standing to sue. If the debt is old, review how time-barred debts work before responding.
Is National Debt Holdings a Scam
National Debt Holdings is a real, BBB-accredited company, not an impersonation scam. NDH holds an A+ BBB rating, an RMAI certification, and has operated since 2011. The company’s passive buyer model is legitimate and common in the debt industry.
Real and accredited does not mean the agencies NDH hires always operate lawfully. According to BBB complaint records, agencies working NDH accounts have allegedly threatened jail time and disclosed debt details to relatives.
Others reportedly refused to honor written cease requests. NDH’s standard response is to recall the account and close it. That response stops the calls. It does not address the FDCPA violations the agency already committed. In our practice, the conduct that occurred before NDH recalled the account is where the claims live.
Is National Debt Holdings Banned by the FTC
No. The FTC has not banned or sanctioned National Debt Holdings. No FTC consent order and no CFPB enforcement action appear in the public record for NDH specifically.
The absence of a federal ban does not mean consumers who received unlawful contact have no recourse. The FDCPA gives individuals the right to sue the agency that violated their rights directly in federal court. NDH’s role as the debt owner who placed the account is a separate liability question. Our firm examines it in every file. If the agency NDH hired threatened you or disclosed your debt to a third party, those are FDCPA claims. They exist independently of any regulatory action against NDH.
How The Wood Firm PLLC Helps Stop National Debt Holdings Debt Harassment
When we open a National Debt Holdings file, we start by identifying the agency NDH assigned the account to. That agency’s conduct is where FDCPA violations most commonly appear. We pull the placement history and NDH’s own BBB responses reference. We examine every written notice the consumer received.
Then, we compare the agency’s conduct against the documented pattern: third-party disclosure, post-cessation contact, and false threats. If the agency used automated dialing without your prior express consent, we assess that separately.
A TCPA claim can be worth $500 to $1,500 per unauthorized call. NDH’s passive buyer position does not insulate its network of agencies from federal law. It does not prevent us from building a claim based on what that agency did.
The Wood Firm PLLC represents consumers exclusively. Our firm has never represented a creditor or a debt buyer. We work on contingency. No upfront fees. If the agency NDH hired violated federal law, they pay our fees. After we file a notice of representation, all contact from NDH’s agencies routes through our office. Reach our team at +1-844-638-1122 to start a review of your NDH file.
If a collector threatened you or disclosed your debt to family members, those facts may support a federal claim. Continued contact after a written cease request adds independent violations. Visit our contact page or call +1-844-638-1122 for a free case review. The Wood Firm PLLC handles these cases on contingency: if they violated federal law, they pay our fees.
Frequently Asked Questions
Why does National Debt Holdings appear on your credit report
NDH appears because a creditor sold your charged-off account to them. NDH states it does not report to credit bureaus directly. If the entry came from an agency NDH hired, that agency must comply with the FCRA. An entry placed without proper validation notice may be disputable.
Is National Debt Holdings a legitimate company
Yes. NDH is a BBB-accredited, RMAI-certified passive debt buyer founded in 2011 and headquartered in Fort Lauderdale, Florida. Accreditation does not protect the third-party agencies NDH hires from FDCPA liability for their collection conduct.
Does National Debt Holdings sue consumers
NDH itself rarely files lawsuits. It assigns accounts to law firms and agencies that handle litigation on its behalf. Any lawsuit will come from that agency or firm. If served, respond promptly. A default judgment enables wage garnishment and bank levies.
What should you do if an NDH agency calls your family
Document the call immediately: date, time, number, and what was said. A collector who discloses your debt to a third party likely violated 15 U.S.C. § 1692c(b). Each such disclosure may be a separate FDCPA violation worth up to $1,000 in statutory damages.
Can you send a cease-and-desist to National Debt Holdings
Yes. Send a written cease-and-desist by certified mail to both NDH and the specific agency calling you. After confirmed receipt, further contact is a documented FDCPA violation. The only exceptions are to confirm cessation or notify you of specific legal action.
How do you dispute a National Debt Holdings debt
Send a written validation request within 30 days of first written contact. Demand the original creditor’s name, the origination date, and every assignment from the original lender to NDH. All collection activity must stop until the agency provides adequate verification.
What can you recover if an NDH agency violated the FDCPA
Successful FDCPA claimants may recover up to $1,000 in statutory damages per lawsuit. They may also recover actual damages and attorney fees from the violating agency. TCPA violations for unauthorized automated calls may yield $500 to $1,500 per call. The Wood Firm PLLC handles these cases on contingency.
What to Do If a National Debt Holdings Agency Has Contacted You
Get the agency’s name, address, and the name of the debt owner in writing. Document every call: date, time, number, and exact language. If the agency called a family member or disclosed your debt, save all evidence. The same applies if they threatened jail or continued calling after a written cease request. Do not pay any debt before verifying the chain of title from the original lender to NDH. Confirm every assignment between the lender and the agency now calling you. The Wood Firm PLLC reviews NDH files at no charge. The firm has never represented a creditor or debt buyer. Call +1-844-638-1122 to start that review.
Jeff Wood represents consumers exclusively, never creditors or collectors. He holds federal court admissions across 9 districts, including all courts of AR, CO, NM, and TX. He practices from Little Rock, AR.
