Howard V. Cowan

The story of NCS is one of family, growth and success anchored in a belief of uncompromising excellence and ever-advancing technology.

Founded in 1970 by Howard V. Cowan as a commercial collection agency, NCS’ goal was to form trusted partnerships and provide exceptional debt recovery services. In the early 1980’s NCS earned a reputation as a leading authority in the corporate credit industry and expanded its services to meet the needs of its credit professionals by adding the Construction, UCC and Publication Service Groups.
After 20 years in business, at the age of 52, Howard began to feel financially secure and started to enjoy extended vacations. Within a short time thereafter, on September 1, 1990, tragedy struck with his sudden death.
In the midst of tremendous sorrow and grief, the Cowan family united and became resolute to continue Howard’s dream.
Today NCS serves clients throughout the U.S. and Canada as a commercial debt recovery service and has gained national recognition as the premier leader for securing accounts through the Mechanic’s Lien Laws and Article 9 of the Uniform Commercial Code. NCS is the only business that offers solutions to these often complex legal processes within one organization.
The company’s commitment to serve with integrity and valued advice gave rise to The National Lien Digest© and later inspired the software development of LienTracker® . Both products are considered essential resources used by the smallest to the largest Fortune 500 companies for serving notices, filing liens and bond claims. Every client has a secured portal, accessed through the NCS website, to view personal account information.
NCS proudly boasts of educating more than 500,000 credit professionals in the U.S. and Canada through NCS events, resources, and social media.

Four decades later, NCS continues to be a family-run organization and continues the founder’s goal of excellence in all we do to secure our clients’ tomorrows.


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NCS works to provide you and all our clients with the most resourceful products and customer satisfaction. Our dedicated and knowledgeable staff is committed to delivering exemplary service and support. Please contact us with any questions or suggestions.

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