They called you twelve times yesterday. National Enterprise Systems has your cell phone number, your work number, and somehow they’ve started contacting people you haven’t spoken to in years. The voicemails are threatening. The stress is constant. You’ve asked them to stop, but the calls keep coming. Maybe you’re wondering if you just need to pay them to make it end. Before you do anything, understand this: what they’re doing might be illegal, and those violations could be worth real money to you.
Call The Wood Law LLC at +1 844-638-1122 for immediate help. Their attorneys focus exclusively on consumer protection and know exactly how to handle aggressive collectors like National Enterprise Systems.
Who Is National Enterprise Systems?
National Enterprise Systems operates as a debt collection agency, but they’re not the company you originally owed money to. They’re either working on commission for your original creditor or they purchased your debt outright for a fraction of what you supposedly owe. This business model creates a specific problem: when they buy debt for 5 to 10 cents on the dollar, every dollar they squeeze out of you is almost pure profit.
When National Enterprise Systems debt collection harassment shows up in your life, your account has usually been through the wringer. Multiple collection attempts failed. Documentation may be incomplete or outright wrong. The amount they claim might include fees you never agreed to. Sometimes the debt isn’t even yours.
What they typically collect:
- Old credit card balances banks couldn’t recover
- Medical bills from years ago
- Retail store accounts charged off as losses
- Personal loans and payday loan debts
- Utility bills from previous addresses
- Cell phone bills and cable accounts
Here’s something most people don’t realize: by the time National Enterprise Systems gets your account, the paper trail is often a mess. Account numbers change. Balances get inflated. Documentation disappears. These problems aren’t just annoying. They’re ammunition you can use if you’re harassed by National Enterprise Systems.
What National Enterprise Systems Phone Harassment Actually Looks Like
The law doesn’t care if you owe money. Even legitimate debts don’t permit collectors to harass you. Here’s what crosses the line:
Calling Outside Legal Hours
Before 8 AM or after 9 PM in your time zone is off limits. No excuses.
Not “we didn’t know what time it was there.” “It was urgent.” “Our system made a mistake.”
If they wake you up at 7:30 AM or interrupt your evening at 9:15 PM, that’s a violation. Document it.
The All-Day Assault
Getting hit with 10, 15, 20 calls in a single day? That’s harassment. Courts don’t need a specific number to find violations. They look at the pattern. When National Enterprise Systems calls you repeatedly, hangs up and calls back immediately, or uses different numbers to get around your blocking, they’re showing intent to harass.
Your Job Isn’t Their Collection Tool
They can call your workplace once. But if you tell them your boss doesn’t allow personal calls or it’s inconvenient, they must stop. Period. Many people dealing with National Enterprise Systems debt collector complaints report that they kept calling work anyway. That’s not just annoying. It’s illegal.
Threats They Can’t Back Up
National Enterprise Systems cannot threaten to:
- Have you arrested (debt is civil, not criminal)
- Garnish your wages without suing first
- Seize your property without court approval
- Ruin your professional licenses
- Tell your employer you owe money
If they’re making these threats, they’re potentially violating federal law with every call.
Talking About You Behind Your Back
Your debt is private. National Enterprise Systems cannot discuss it with your family, friends, neighbors, coworkers, or anyone else except you, your attorney, or credit bureaus. Leaving detailed voicemails where others might hear? Telling your relatives about your debt? Calling your references? All potentially illegal.
Ignoring Your “Stop” Letter
Send them a cease and desist letter via certified mail, and they can only contact you twice more: once to confirm they got it, and once to tell you about specific legal action they’re taking. Anything else is a violation you can use against them.
Three Laws That Give You Power
Fair Debt Collection Practices Act
The Fair Debt Collection Practices Act is your main weapon. It applies to third-party collectors like National Enterprise Systems and prohibits harassment, lies, and unfair practices.
Violations can get you:
- Up to $1,000 in statutory damages (you don’t have to prove harm)
- Money for emotional distress, lost wages, and medical bills
- Your attorney fees are paid by them, not you
That last part is key. When they pay your attorney fees, you can afford to fight back without worrying about legal costs.
Telephone Consumer Protection Act
The Telephone Consumer Protection Act regulates autodialers and robocalls. If National Enterprise Systems is bombarding your cell phone with automated calls without your written permission, each call could be worth $500 to $1,500.
Do the math: 50 illegal robocalls equals $25,000 to $75,000 in potential damages.
Fair Credit Reporting Act
The Fair Credit Reporting Act requires accuracy in credit reporting. When National Enterprise Systems reports wrong information to credit bureaus, they may violate this law. Wrong amounts, debts that aren’t yours, accounts showing unpaid when you paid them all create FCRA liability.
Your Action Plan to Stop National Enterprise Systems Debt Collection Calls
Here’s how to fight back strategically:
Document Like a Lawyer
Start tracking everything today:
- Every call’s date, time, and duration
- Every number they use
- Every representative’s name
- Everything they say (especially threats)
- How does each call make you feel
Save every voicemail. Screenshot every text. Keep every letter. This evidence is gold if you sue National Enterprise Systems for harassment.
Demand Proof They Can Collect
Send a debt validation letter via certified mail. Demand they prove:
- Who the original creditor was
- The original account number
- How much you originally owed
- How they calculated the current amount
- That you’re the right person
- That they own the debt or can collect it
- That it’s within your state’s statute of limitations
They must stop calling until they send you proper proof. Many can’t, especially for old debts. No proof means they may not be able to legally continue collection.
Tell Them to Stop
Write a cease and desist letter:
“Under 15 U.S.C. § 1692c(c), stop all communication with me about account [number]. This means no calls, texts, emails, or letters. You can only contact me to confirm you got this letter or to tell me about specific legal action you’re taking.”
Send it certified mail. Keep copies. After they get it, any other contact is an automatic violation.
Create Official Records
Report National Enterprise Systems to CFPB at www.consumerfinance.gov/complaint. Include everything: dates, times, what they said, how it affected you.
Also, file a complaint against National Enterprise Systems with:
- The Federal Trade Commission
- Your state Attorney General
- Better Business Bureau
These create official records but usually don’t get you money. For compensation, you need a lawyer.
Get a Consumer Protection Attorney
This is where things get real. Attorneys who specialize in this know every trick collectors use and exactly how to stop them.
The Wood Law LLC handles nothing but consumer protection. They’ve seen every variation of harassment and know how to turn violations into compensation.
When you hire them:
- Calls usually stop within days
- They spot violations you’d miss
- You never talk to collectors again
- You pay nothing unless you win
- National Enterprise Systems pays your legal fees separately
Check out their track record and client reviews.
Call The Wood Law LLC at +1 844-638-1122 for a free case review.
Can You Really Sue Them?
Yes. If National Enterprise Systems violated federal law, you can sue National Enterprise Systems for harassment and recover compensation. Even if you owe every penny they claim.
What You Could Win
Statutory damages: Up to $1,000 just because they violated the law, even if you can’t prove specific harm.
Actual damages: Real money for anxiety, stress, lost sleep, missed work, medical treatment, therapy, and damaged relationships.
TCPA money: $500 to $1,500 per illegal robocall. These add up fast.
Credit reporting damages: If they reported lies about you, compensation for denied loans, higher interest rates, lost rental opportunities, and even lost jobs.
Attorney fees: They pay your lawyer separately. You keep everything else.
What You Need to Prove
To win, you show:
- They contacted you about a debt
- They’re a debt collector under the FDCPA (they are)
- They violated specific federal laws
- You were harmed (except for statutory damages)
Your evidence makes or breaks your case. Phone records, voicemails, texts, letters, witnesses, credit reports, and medical records. Everything matters.
Common Violations They Make
The Daily Blitz
Ten calls a day. Fifteen. Twenty. This isn’t a collection. It’s harassment designed to break you down until you pay just to make it stop.
Wrong-Time Calling
7 AM calls. 10 PM calls. These timing violations are the easiest to prove and among the most common in National Enterprise Systems debt collector complaints.
Work Harassment
Calling your job over and over despite your objections. Some people report that National Enterprise Systems contacted their supervisors directly.
Phony Threats
“You’re going to jail.” “We’re taking your car tomorrow.” “Your wages are being garnished starting Monday.” If they haven’t followed proper legal procedures, these threats are lies.
Family Harassment
Call your mom. Texting your brother. Leaving messages with your roommate. Unless they’re just asking how to reach you, it’s probably illegal.
Robot Armies
Automated call after automated call to your cell phone. Each one without your written consent could be a $500 to $1,500 violation.
Protect Yourself While You Fight
Watch Your Credit
Get free reports at www.annualcreditreport.com. Look for National Enterprise Systems accounts, wrong amounts, duplicate listings, or debts that aren’t yours.
Challenge Errors
Dispute mistakes in writing with the credit bureaus and National Enterprise Systems. They have 30 days to investigate. If they don’t fix clear errors, that’s an FCRA violation.
Know Your State’s Rules
Most states give collectors 3 to 6 years to sue you for debt. After that, the debt is “time-barred.” They can’t sue, but they can still call. If you pay even $1 on a time-barred debt, you might restart the clock. Never pay without talking to a lawyer first.
Guard Your Bank
Never give them your bank account information. Ever. Once they have it, they might take more than you agreed to or keep taking money after the debt is paid.
Get Everything in Writing
Never trust what they say on the phone. If you’re going to pay or settle, demand written confirmation first: exact amounts, payment dates, that the payment satisfies the debt, and what happens to credit reporting.
Other Collectors We Handle
The Wood Law LLC fights for consumers dealing with all kinds of collectors:
- Ascendium Education Solutions
- Trellis Company
- Aidvantage
- Central Research Inc
- Xact Receivables Management
- Concentrix
- Collection Company of America
See the full list and explore all practice areas.
Your Questions Answered
Are they even legitimate?
Yes, National Enterprise Systems is a real debt collection company. But being legitimate doesn’t give them permission to harass you or violate federal law.
How do I verify they can collect this?
Send that debt validation letter. Make them prove everything. If they can’t, they may not be able to legally continue collection.
Can they sue me for a really old debt?
Only if it’s within your state’s statute of limitations. After that expires, they can’t sue. Threatening to sue a time-barred debt violates the FDCPA.
What if they threaten to arrest me?
Document it and call a lawyer immediately. Nobody gets arrested for owing money. It’s a civil matter. That threat is illegal. Call +1 844-638-1122 right now.
Can I sue even if I owe the money?
100% yes. You can owe every penny and still sue if they violated the law collecting it. Your right to lawful treatment is separate from whether you owe the debt.
Will complaining to the CFPB stop them?
CFPB complaints create records but don’t usually stop calls immediately. For fast results, combine a cease letter, validation demand, official complaints, and legal representation to get legal help against National Enterprise Systems harassment.
Do I pay a lawyer up front?
No. The Wood Law LLC works on contingency. You pay nothing unless they win. And when they win, National Enterprise Systems pays your legal fees separately from your damages.
Can they garnish without suing?
No. They need to sue you, win a judgment, and get a court order first. Threatening immediate garnishment without following this process is illegal.
What if they told my family?
That’s probably illegal. They can ask family for your contact info, but discussing your debt with them violates the FDCPA. Document it and call a lawyer.
How long do I have to sue?
- FDCPA violations typically one year from the violation.
- TCPA, four years.
- FCRA, two to five years.
Don’t wait. Evidence gets lost and memories fade.
Here’s What Happens Next
You’ve read about your rights. You understand the violations. Now you need to decide: keep suffering through the harassment, or fight back?
The Wood Law LLC has stopped harassment for hundreds of consumers and recovered real compensation for real violations. They know National Enterprise Systems’ tactics because they’ve seen them before; what evidence matters because they’ve built successful cases; and how to win because they’ve done it.
What you should do right now:
Call +1 844-638-1122 and talk to someone who actually understands what you’re going through. The consultation is free. There’s no obligation. They’ll tell you honestly whether you have a case and what it might be worth.
While you’re thinking about it, National Enterprise Systems is probably calling someone else. They’re leaving threatening voicemails, calling people at work, or violating the same laws they violated with you.
The question isn’t whether you can fight back. Federal law says you can. The question is whether you will.
Your move:
Document everything from this point forward. Every call, voicemail, and text. If they’ve already violated the law, you’re building evidence. If they haven’t yet, you’re ready when they do.
Send that cease and desist letter via certified mail. Even if you do nothing else, stopping the calls gives you breathing room to figure out your next step.
File those complaints with the CFPB, FTC, and your state AG. Create that official record. It takes 20 minutes, and it matters.
Then make the call. +1 844-638-1122. Find out what your case is actually worth. Learn what violations they’ve already committed. Discover how quickly the harassment can stop.
Or don’t keep answering those calls, feeling that anxiety every time your phone rings, wondering if today’s the day they call your boss, or letting them violate federal law with zero consequences.
The Wood Law LLC: +1 844-638-1122
Federal law protects you from harassment. Consumer protection attorneys enforce that law. The only question left is whether you’re ready to use the power you have.
Stop National Enterprise Systems’ debt collection harassment today. Not tomorrow. Not next week. Today.
Because every day you wait is another day they think they can get away with it.
