When it comes to apartment debt collection and property management receivables, NCC Business Services has been a recognizable name in the industry for decades. Whether you're a property manager considering their services or a consumer dealing with a collection account, understanding who NCC Business Services is and how they operate can help you navigate the situation effectively.
The Foundation and History of NCC Business Services
NCC Business Services was founded in 1986 in Jacksonville, Florida, by Irving O. Pollan, who served as the company's president for over three decades. From its inception, NCC positioned itself uniquely in the debt collection market by focusing exclusively on the multi-family housing and property management sectors. This specialization became the cornerstone of their business model and allowed them to develop deep expertise in residential debt recovery.
For more than 30 years, NCC provided customized collection services, programs, and expert counsel to property management companies of all sizes across America. The company built its reputation on what it described as a philosophy of respectful client engagement and ethical business operations. According to their own marketing materials, NCC prided itself on being consumer advocates who treated people with dignity during the collection process.
The 2019 Acquisition by Transworld Systems
In June 2019, NCC Business Services' trajectory changed significantly when Transworld Systems Inc., commonly known as TSI, acquired the company. TSI, which has been in business since 1970, is one of the leading analytics-driven providers of accounts receivable management, healthcare revenue cycle management, and loan servicing solutions in the United States.
The acquisition brought NCC's approximately 80 employees and its specialized property management client base under the TSI umbrella. TSI's CEO Joseph Laughlin stated at the time that the acquisition would expand TSI's property management and multi-housing business while bringing nearly 50 years of TSI experience and data-driven operations to NCC's existing customer base.
Today, NCC Business Services operates as part of the TSI family of companies, leveraging TSI's technology platforms, compliance infrastructure, and broader service capabilities while maintaining its focus on the property management industry.
Where NCC Business Services Operates
NCC Business Services maintains its headquarters in Jacksonville, Florida, with a physical address at 9428 Baymeadows Road, Suite 200, Jacksonville, FL 32256. However, the company operates with a national footprint, serving property management companies across all U.S. time zones through its call center network.
Before the TSI acquisition, NCC maintained additional call center locations in Arizona, Kentucky, and Florida. Under TSI's ownership, the operational structure has been integrated into TSI's broader network, which includes operations centers in the United States as well as international locations in India and the Philippines.
The company's mailing address for consumer correspondence is P.O. Box 15630, Wilmington, DE 19850, though this address is part of TSI's payment processing infrastructure.
How to Contact NCC Business Services
If you need to reach NCC Business Services regarding an account or payment, several contact options are available:
Primary Phone Number:
1-877-865-7686 (toll-free)
888-880-6020 (alternative toll-free)
866-472-9771 (TSI payment line for NCC accounts)
Direct Office Line:
904-352-2642
Fax:
904-240-4610 or 904-733-2777
Email:
compliance@ncc-business.com
info@ncc-business.com
Website:
www.ncc-business.com
payncc.tsico.com (payment portal)
Business hours for phone support are typically Monday through Friday, 8:00 AM to 5:00 PM Eastern Time. The online payment portal allows consumers to view account information and make payments 24/7 using the account number provided in collection letters.
Services Provided by NCC Business Services
NCC Business Services specializes in accounts receivable management specifically tailored to the property management and multi-family housing industries. Unlike general collection agencies that work across multiple sectors, NCC's exclusive focus has been on recovering unpaid rent, damages, and related fees from former apartment residents.
Multi-Housing Collections
The primary service offering involves collecting debts that arise when tenants vacate apartments owing money. These debts typically include unpaid rent balances, property damage charges exceeding security deposits, early lease termination fees, utilities and other charges, cleaning and repair costs, and court-related fees from eviction proceedings.
NCC's specialization means their collectors understand lease agreements, security deposit laws, wear and tear standards, and state-specific landlord-tenant regulations that impact collection efforts.
Property Management Software Integration
One of NCC's competitive advantages has been their technical integration capabilities. The company developed systems that integrate seamlessly with popular property management software platforms, allowing property managers to submit accounts for collection directly from their existing systems without manual data entry.
Skip Tracing and Debtor Location Services
NCC invested heavily in locating hard-to-reach former residents using what they describe as unconventional data sources and advanced skip tracing techniques. This capability became a key selling point for property managers dealing with transient tenant populations.
Consultative Accounts Receivable Management
Beyond basic collection services, NCC positioned itself as a consultative partner to property management companies, offering counsel on best practices, compliance issues, and strategies to minimize bad debt while maintaining positive resident relationships.
Industries and Client Base
While NCC Business Services operates exclusively within the housing sector, their client base spans several segments of this industry. They work with large national apartment management companies overseeing thousands of units, regional property management firms managing multiple properties, individual property owners and landlords, student housing complexes and university-affiliated properties, senior living and age-restricted communities, and manufactured housing communities.
This focused industry approach allowed NCC to develop specialized knowledge and relationships that generalist collection agencies could not match. However, since the TSI acquisition, the combined entity can now offer property management clients access to TSI's broader suite of services beyond just collections.
Understanding How NCC Business Services Works
When you receive contact from NCC Business Services, it indicates that a property management company or landlord has placed your former rental debt with them for collection. The process typically follows a standard pattern in the debt collection industry.
After a tenant vacates owing money and the property manager's internal collection efforts have failed, the account is submitted to NCC along with supporting documentation such as the lease agreement, move-out inspection reports, ledgers showing charges and payments, and correspondence with the former tenant.
NCC then attempts to contact the former resident through multiple channels including letters, phone calls, skip tracing to find updated contact information, and reporting the debt to the three major credit bureaus. The goal is to recover the outstanding balance either through payment arrangements, lump sum settlements, or in some cases, legal action.
It's important to understand that throughout this process, NCC must comply with federal laws governing debt collection. The Fair Debt Collection Practices Act establishes clear rules about what collection agencies can and cannot do when pursuing debts.
Your Rights When Dealing With NCC Business Services
Consumers have significant protections under federal law when dealing with collection agencies like NCC Business Services. Understanding what debt collectors can and cannot do is essential for protecting yourself during the collection process.
Under the FDCPA, collection agencies are prohibited from calling before 8 a.m. or after 9 p.m. in your time zone, contacting you at work after you've told them your employer doesn't allow such calls, using threatening, abusive, or obscene language, falsely representing the amount of debt or their authority, discussing your debt with third parties like family members or coworkers without your consent, and continuing to contact you after you've sent a written request to cease communication.
You have the right to request debt validation within 30 days of first contact, which requires NCC to provide proof that the debt is legitimate and that they have the legal authority to collect it. You also have the right to dispute the debt if you believe it's inaccurate or doesn't belong to you.
The Impact on Your Credit Report
When NCC Business Services reports a collection account to the credit bureaus, the impact on your credit score can be substantial. Collection accounts related to rental debt are particularly damaging because they signal to future landlords that you may pose a rental risk, making it difficult to secure housing.
The collection can remain on your credit report for up to seven years from the date of first delinquency with the original creditor, even if you later pay the debt. This is why addressing collection accounts promptly is so important. The longer they remain unresolved, the more they can affect your ability to rent apartments, buy a home, secure loans, or even pass employment background checks.
Understanding what happens when debt goes to collections can help you prepare for the consequences and take appropriate action to minimize long-term damage to your financial profile.
Options for Resolving Debt With NCC Business Services
If you have a legitimate debt with NCC Business Services, several resolution paths may be available. The first and most important step is to verify that the debt is accurate and that you actually owe the amount claimed.
Request Debt Validation
Within 30 days of first contact from NCC, send a debt validation letter requesting documentation that proves the debt, including details about the original creditor, a breakdown of all charges, evidence that NCC has the authority to collect, and copies of the original lease agreement and move-out statement.
NCC is legally required to provide this information and must cease collection activities until they do so. Review the validation documents carefully for any discrepancies or errors.
Negotiate a Settlement
Like most collection agencies, NCC Business Services may be willing to accept a settlement for less than the full amount owed, particularly if the debt is older or if you can demonstrate financial hardship. Settlement negotiations should always be conducted in writing with clear documentation of any agreed-upon terms before you make payment.
Arrange a Payment Plan
If you cannot pay the full amount immediately, NCC may offer payment arrangements that allow you to pay the debt over time. Make sure any payment plan is documented in writing, and keep records of all payments made.
Pay in Full
If you have the financial means, paying the debt in full is the fastest way to resolve the account. After payment, request a satisfaction letter confirming the debt has been paid and ask whether NCC will remove the collection account from your credit report, though they are not legally required to do so.
Company Reputation and Consumer Complaints
NCC Business Services has received mixed reviews from both consumers and industry observers. The Better Business Bureau has historically given NCC low ratings, with numerous consumer complaints about issues such as aggressive collection tactics, difficulty reaching representatives, incorrect debt amounts, and failure to respond to dispute letters.
As of 2017, the BBB reported over 100 complaints filed against NCC within a three-year period. Federal court records show multiple lawsuits alleging violations of the Fair Debt Collection Practices Act, suggesting that at least some consumers have experienced problems with the company's collection methods.
However, it's worth noting that collection agencies often receive complaints simply due to the nature of their business. Not all negative reviews reflect illegal or unethical behavior, and some consumers have reported positive experiences with NCC representatives who were professional and helpful in resolving their accounts.
How NCC Business Services Compares to Other Agencies
NCC Business Services' exclusive focus on property management debt distinguishes it from broader collection agencies. While companies like Advanced Collection Bureau also serve the residential property management sector, they typically offer services across multiple industries including medical collections, commercial debt recovery, and other specialized areas.
The advantage of NCC's narrow focus is deep expertise in apartment collections, understanding of lease agreements and housing law, relationships with property management software companies, and specialized training for collectors on rental-specific issues. The disadvantage is that property managers working with NCC cannot access services for other types of debt through the same agency.
Since the TSI acquisition, however, NCC's parent company offers a much broader range of services, potentially giving property management clients access to additional capabilities while maintaining NCC's specialized approach to rental debt.
Best Practices When Contacted by NCC Business Services
If NCC Business Services contacts you about a debt, taking the right steps can protect your rights and help you work toward a resolution. Do not ignore their communications, as avoiding the situation will not make it go away and may lead to credit damage or legal action. Request all communications in writing to create a documented record of your interactions. Verify the debt by asking for validation and reviewing all documentation carefully.
Know your rights under federal law and don't hesitate to assert them if NCC violates the FDCPA. Keep detailed records of all phone calls, letters, and payments related to the account. Consider consulting with a consumer protection attorney if you believe NCC has violated your rights, as many attorneys offer free consultations for FDCPA cases.
The Role of Specialized Collection Agencies in Property Management
Understanding why property management companies use specialized collection agencies like NCC Business Services provides context for their role in the rental housing industry. Property managers face substantial losses when tenants vacate owing money, and security deposits rarely cover all damages and unpaid rent.
Collection agencies provide professional recovery services that allow property managers to focus on current residents and operations rather than dedicating staff time to pursuing former tenants. Specialized agencies like NCC bring expertise in skip tracing, understanding of landlord-tenant law across multiple states, established credit reporting relationships, and proven strategies for maximizing recovery rates.
For property managers seeking collection services, options include specialized residential collection agencies like Advanced Collection Bureau, which offers transparent practices and compliance-focused operations tailored to the residential sector.
Life After the TSI Acquisition
The 2019 acquisition by Transworld Systems fundamentally changed NCC Business Services' position in the market. While the NCC brand and focus on property management remain, the company now operates within a much larger organization with extensive resources, technology infrastructure, and a broader service portfolio.
For consumers with NCC debts, this means accounts may be serviced through TSI's systems and payment portals. For property management clients, it means access to TSI's analytics-driven approach, larger call center network, and additional service offerings beyond traditional collections.
The long-term direction of the NCC brand under TSI ownership remains to be seen, but the acquisition represents a consolidation trend within the debt collection industry, where larger firms acquire specialized regional players to expand their market reach and service capabilities.
Moving Forward: Resolving Your NCC Business Services Account
If you're dealing with NCC Business Services regarding a rental debt, remember that you have both rights and options. Whether the debt is legitimate or you believe there's been an error, taking action is better than ignoring the situation.
Start by requesting validation of the debt, reviewing all documentation thoroughly, and understanding your rights under federal consumer protection laws. If the debt is valid, explore resolution options that fit your financial situation. If you believe the debt is incorrect or that NCC has violated your rights, document everything and consider seeking legal counsel.
For property managers evaluating collection services, consider factors beyond just recovery rates. Look at compliance records, customer service quality, technology integration capabilities, and the agency's reputation in the industry. Companies like Advanced Collection Bureau offer alternatives with proven track records in residential debt recovery.
The Bottom Line
NCC Business Services built a three-decade legacy as a specialized collection agency focused exclusively on multi-family housing debt. Founded in Jacksonville, Florida in 1986, the company developed expertise and relationships within the property management industry that positioned it as a leader in apartment collections.
The 2019 acquisition by Transworld Systems marked a new chapter for NCC, integrating the company into a larger debt collection and receivables management operation while maintaining its property management focus. Today, NCC operates as part of TSI's portfolio, combining specialized knowledge with broader resources and capabilities.
Whether you're a consumer dealing with an NCC collection account or a property manager considering their services, understanding the company's history, operations, and position within the industry can help you make informed decisions. Remember that regardless of who's collecting a debt, you have rights under federal law, and ethical collection agencies respect those rights while pursuing legitimate debts.
For more information about NCC Business Services, visit their website at www.ncc-business.com or call their toll-free number at 1-877-865-7686. For payment inquiries specifically, you can reach the TSI payment line at 866-472-9771 or visit their online payment portal.
