NCB Management Services: Who They Are and What to Do If They Contact You About a Balance
NCB Management Services, Inc. is a debt collection agency in Trevose, Pennsylvania, not a lender and not a merchant cash advance company. It has operated since November 1994, is BBB accredited (since September 2011) with an A rating, and carries 555 complaints on its BBB profile, enough that the BBB publishes only one in ten. Its own site describes it as an accounts receivable management and call center company, and every page of that site carries the debt collector disclosure. An earlier version of this page described NCB as an MCA funder and quoted factor rates for it. That was wrong and has been removed. If NCB is contacting you, someone else's account has been placed with it, and the first job is to find out whose.
What NCB Management Services is
NCB Management Services, Inc., 1 Allied Drive, Trevose (Feasterville-Trevose), Pennsylvania 19053, with additional BBB-listed locations in Jacksonville, Florida and Sioux Falls, South Dakota, and a mailing address in Langhorne, Pennsylvania. Incorporated November 3, 1994; BBB file opened August 1995; BBB accredited since September 30, 2011; rated A. The BBB lists management as Ralph Liberio, CEO, James LaSala, CFO, and Kinga Rybicka, Chief Compliance Officer; the company site names Jonathan Thompson as Chief Legal and Compliance Officer.
The BBB describes the business as accounts receivable management and call center management, including debt collection services. The company site lists an RMA International certification (2013) and NMLS registrations, and it publishes a state licence list. Customer inquiries go to (800) 828-1110; business inquiries to (833) 225-5303.
What it is not: a funder, a lender, or a merchant cash advance provider. There is no NCB advance, no NCB factor rate, and no NCB reconciliation clause. If our earlier page led you to expect any of those, disregard it.
Why a business owner hears from NCB
NCB's public footprint is overwhelmingly consumer collections: the BBB reviews and complaints describe calls about personal accounts, and the site's forms are built for individual account holders. A business owner usually hears from NCB for one of three reasons: a business credit card or bank account that the owner personally guaranteed; a personal account of the owner unrelated to the business; or, less often, a commercial receivable that a creditor placed with NCB's business collections desk.
Which of those it is changes everything. A personal account is a consumer debt, and the federal Fair Debt Collection Practices Act applies in full, including the right to written validation and to tell the agency to stop calling. A guaranteed business account can sit in a grey zone. A commercial receivable falls outside the FDCPA, though state law and NCB's own compliance commitments still apply.
What the complaint record says
555 complaints in the BBB's three-year window is a large number for any agency, and the BBB's published sample is dominated by two themes: repeated calls that leave broken or blank messages without saying why the agency is calling, and calls to people who say they have no debt at all. Read that as a description of how the dialer operates, not as proof about your own balance. It does mean that the first useful step is a written request, not a phone argument.
What to establish from your own paperwork
- Whose account it is. Ask NCB in writing, at 1 Allied Drive, Trevose, PA 19053, for the name of the original creditor, the account number, and an itemised balance. NCB's own site says account-specific requests, including document requests and disputes, go to that address.
- Whether it is consumer or business. Personal card, guaranteed business card, or commercial invoice. This decides which rules protect you.
- Whether NCB owns it or is servicing it. The letter should say. If the account was sold, the buyer is the counterparty and NCB is its agent.
- The clock. Under the FDCPA a written dispute inside 30 days of the first notice obliges the collector to verify the debt before continuing. Send it certified.
- If it is a merchant cash advance balance: it is unlikely to be with NCB, but if the original creditor named is a funder, pull the agreement, every debit, the reconciliation clause and the personal guaranty, and see how MCA debt relief works.
If a lawsuit has been filed
NCB is an agency, not a law firm. If a suit exists it will come from the creditor or a collection law firm, and the summons will name them. Answer before the deadline, usually 20 to 30 days from service; a default judgment ends the negotiation. See what to do if a creditor represented through NCB sues.
Can the balance be settled?
Usually, if the balance is real. Agencies on placed accounts settle within limits the creditor sets, and a documented hardship or a lump sum tends to be heard. For a guaranteed business account, the negotiation is about the owner's personal exposure as much as the company's. See how a balance NCB is collecting can be settled.
Business Debt Adjusters reviews the agreement, the payment history and any letters or filings, and tells you what is realistic before you commit to anything.
Frequently Asked Questions
Is NCB Management Services a merchant cash advance company?
No. NCB Management Services, Inc. is a debt collection agency in Trevose, Pennsylvania, founded in 1994. It does not fund advances or loans; it collects accounts that creditors place with it or sell to it.
Is NCB Management Services legitimate?
Yes. It is a Pennsylvania corporation incorporated in 1994, BBB accredited since 2011 with an A rating, RMA International certified, and it publishes its state licences. Legitimate does not mean the balance is correct; ask for validation in writing.
Why does NCB keep calling me?
The BBB's published complaints describe repeated calls with blank or broken messages. If you do not recognise a debt, send a written request for the original creditor's name and an itemised balance to 1 Allied Drive, Trevose, PA 19053, and dispute it in writing within 30 days of the first notice.
Does the Fair Debt Collection Practices Act apply to an NCB account?
If the account is a personal one, yes, in full. If it is a business receivable, the FDCPA generally does not apply, though state collection law and NCB's licensing obligations still do. A personally guaranteed business card can fall either way, so identify the account type first.
What should a business owner do after an NCB letter?
Find out whose account it is and whether it is consumer or commercial, request validation in writing, check whether any suit exists, and get the paperwork reviewed before agreeing to a number.
Sources
- BBB Business Profile: NCB Management Services, Inc., Trevose, PA (accredited since 9/30/2011, rating A, 555 complaints)
- NCB Management Services company website (contact, licensing, compliance and debt collector disclosures)
Facts on this page were checked against the linked sources on September 23, 2026. Business Debt Adjusters is not affiliated with, endorsed by, or authorized to represent the company described.
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