The National Creditors Bar Association (NCBA) is a bar association dedicated to serving law firms engaged in the practice of creditors rights law. Originally founded in 1993 as the National Association of Retail Collection Attorneys (NARCA), our membership grew and we quickly became the premier association for the creditors rights attorney.  In 2015, we recognized that the changes in our economy and in our member firms’ practice areas, meant that our association needed to change too.  We broadened our membership base to include firms practicing in foreclosure, bankruptcy, student loans, replevin, to name a few, and we expanded our educational offerings and networking opportunities.

Currently, our membership is comprised of over 500 law firms and individual members, totaling approximately 2000 attorneys, in the areas of creditors rights law, defense and in-house counsel. Members practice in over 20 different practice areas in the 50 states, Canada, Puerto Rico and the U.K.  Our attorney members are committed to being professional, responsible and ethical in their practice and profession.

View our live events calendar: Upcoming National Creditors Bar Association Conferences and Events

Mission Statement

The National Creditors Bar Association supports, promotes, and protects the practice of creditors rights law while ensuring fair treatment for all.


In November 1992 in New York City, 20 collection attorneys met to discuss how to develop retail collection business. They unanimously agreed that a new association should be formed to foster the idea.

At the time, nobody – including creditors – knew who the biggest law firm in each state was, or even who practiced in this field of law. NARCA saw the need to identify retail collection law firms, bind them together, and let creditors know what their members could provide to them.

Don Kramer, NARCA’s first president, rented a small space near his office in St. Louis and hired an Executive Director. Almost immediately, 740 law firms indicated they wanted to be a part of NARCA, although disputes with commercial collection agencies led to a dropout of some initial members. Almost all have now rejoined NARCA.

The first NARCA Collection Conference was held at the Riviera Hotel in Las Vegas in 1993, with 444 attendees. In addition, NARCA developed a Membership Directory for distribution among creditors. NARCA kept growing as the benefits of an association devoted to law firms that collect consumer debt became increasingly obvious.

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