800-711-0454

Message on answering machine somewhat garbled and distorted as to who and caller's name.  However, the 1-800 number was quite clear.

Obvious scam.

I get a pre-recorded ROBO-CALL message, say to call 'Kevin' at some silly extension. Then I already get calls from this SAME company from other numbers that have BOILER ROOM collection operators. From 2 different numbers than this one. Whatever.

A client of mine reported this #.  He has had several calls from it.

Desiree Growden
CASE Partnership
Communtites Against Senior Exploitation

Getting calls everyday for no reason

Get a call from this number everyday !

I kept receiving a call from this number. When I called them back at the number that they left on my answering machine, they could not find my phone number or the reference number in their system. They identified themselves as NCO Financial Systems, Inc., 507 Prudential Road, Horsham, PA 19044. After getting a big runaround when I called 800-711-0454,  I called 800-724-2584. If you are from Texas press 1, Nevada press 2, Bank of America or Verizon press 3. I had a suspicion that it was regarding someone who used to live here and pressed 3. I finally got someone who said that they would take my number out of the system. We will see....

Thank you for the company info. I was just researching what to do about annoying calls that have nothing to do with me. Apparently someone else had this phone number years ago and this is a debt collection agency. The info is very helpful.

call me 2 times a day saying they are NCO Finacial trying to collect a debt..to call 1-800-711-0454 and ask for Kevin Monroe or Jason. apparently they say my number is on a family members loan which I know is not true.  Told them I knew how they got my number and that they had done a skip search for anyone who was associated with that person and found our phone number.  When I refused to give them the person's unlisted number they told me that I was being difficult and they would call everyday till I gave it to them.

I have a legit debt trying to be collected by these sharks, they refuse to give me an address to mail in a payment, they only want a CC# or debit card, like who is going to be dumb enough to do that?  As soon as you make payment arrangements with them for monthly payments, they take the full amount out.  And they had the nerve to tell me I was being difficult when they refused to let me mail in a money order.  How is that so?  Anyhow, it is in a lawyer's hands now.  I am not debating the fact that I missed payments, I am just not comfortable giving my bank information to anyone now and days.  And since they threatened me with court since I "refused" to pay, all the judge has to do is listen to where I agreed to the payment amount and THEY refused to give me a mailing address....oh well, maybe you will see me Judge Judy, lol.  My lawyer says that they are blood sucking sharks and will go through any means to get their money, so be wary of what information you give them!

I answered the phone once they ask is this Alice I said yes then they said I owed Fingerhut some money.  I told them that I never buy from a catalog company. They asked for the last 4 digits of my social security number and I told them I don't give out that kind of information. They got really mad and said they every right to ask me and when I wouldn't tell they hung up, then call back using a different phone number. I looked it up on Google and did not answer the phone. Since then they call all times of day and night. I really would like to get them to stop or report them to someone to tell them that they are trying to get personal information over the phone.

Debt Collectors – Collection Agency's do NOT fall under Do NOT Call registry, as they are not telemarketers.  However, they do constantly violate other Federal Laws, because us American's don't know the laws to protect us.  They are counting on that.  

- Federal Law says you don't have an obligation to Collection Agencies or Debt Collectors; you can send them a written letter and they cannot contact you after that.   This includes Attorney's in state's other than your state of residence.  The only Attorney's that can sue you, have to be licensed in your resident state.

A word of caution:  Some Law Firms do have Firms in other states, and Lawyers licensed in other states, so you have to do a little research before sending a Cease & Desist (Do Not Call & Go Away letter) to make sure they aren't in your resident state or you're likely to get sued by these #%#&*@!#%&@$^*.  

Once a debt collector makes contact with you, they also have to contact you within 5 days after the first phone call, letter etc., and give you validation/proof or judgment of the debt.  You are not required to ask for it.   They never do this!!!!

This law is known as the Fair Debt Collector Practices Act.  You can get it at FTC.gov; as well as other Consumer Protection Laws.

Most collection agencies, purchase your delinquent debt for pennies on the dollar.  Guess what? It is no longer your debt!!!  You don't have any agreement/contract with the debt collector or collection agency.  Your only agreement/contract was with the original creditor.

Do NOT agree to any payment arrangements, or you'll be creating an agreement/contract, where upon initial contact by the Debt Collector, one didn't exist.  The collection agencies are counting on you not knowing this little bit of information.  

The best advice I can give you is, do NOT talk to these idiots - they will leave you in a frustrated heap on the floor.  They lie, and will tell you whatever they need, in order to get you to commit to paying them.

The lies are illegal, but they honestly don't care, they're probably on commission for how much they collect from you and others like you.  

If you do answer the phone, do NOT give out your employer, social security #, DL #, Credit Card and/or Bank information, or any personal information.  Tell them to send you a written statement & you'll respond. Then hang up.  When you get that statement, google, Fair Debt Collection Practices Act and you'll probably find a letter you can send them   Or:  send the letter I’ve enclosed that I use.  Sign and mail that letter Certified Mail, so you have a signature and confirmation of delivery!!!
RE
Account #  
Amount in Dispute: $  
Account #  

Dear  :

I am in receipt of your demand for payment.  However, this Notice is to confirm that I do not wish to be contacted again by you, and that you are hereby put on Notice to Cease Communication pursuant to 15 USC Section 1692c(c).  Failure to comply with said Notice shall result in a complaint filed and submitted to, the Federal Trade Commission, and possible legal remedies in an appropriate United States District Court.

In addition, PLEASE TAKE NOTICE THAT, I am not waiving my right to dispute the alleged debt asserted herein, but at this time I am under no obligation to respond.  

Sincerely,



Your Name
Address
City, state Zip



Certified Mail#:  


In the Law of Novation: if a debt is purchased by another, for that to be a legal owed obligation, a new contract / agreement has to be written and signed by all parties.  Google Law of Novation and read up!!!

No I am not an attorney, just a well knowledged, educated consumer.  I have spent the past 2 years studying various Federal Consumer Protection Laws.  

I wasn't just satisfied knowing I could send a letter to a Collection Agency/Debt Collector and they had to go away.  I read that in the Fair Debt Collector practices Act law;  I needed to know why, what law tells me the reason why I can.

Everything I have typed, I have learned basically on my own through reading, studying, printing out and binding the laws and underlining/highlighting them.  Not to mention the knowledge I have gained on my own fighting two lawsuits without an Attorney.

I was sued by a Collection Agency, and waiting for a Court date. The Collection Agency Attorney, sent us a letter willing to dismiss with prejudice our lawsuit, if I dismiss our Cross/Counter Claim for Fair Debt Collector Practices Act violations.  Oh, I forgot to mention, we do not have an Attorney representing us; and I have not had any legal experience, in the past whatsoever.

I have read / printed & bound, my State's Rules of Civil Procedure and Rules of Civil Procedure - Evidence.  I catch Attorneys on violations of State Rules of Civil Procedure all the time.  And our Judge's let them get away with it.

And for those of you who say pay up and quit being a deadbeat; it appears that you have never had your life turned upside down, because a good job, not high paying by any means, but a supposed secure job, got your hours cut by 3/4.  

And then a couple years later, as you are just recovering, you lose that job.  And when you are in your 50's, a new job is not so easy to come by.  And when that happens, then what?  

Or what about a major illness, guess you've never had that either - too bad.  Maybe if you did, you'd understand why and how people end up getting in financial straights. Not because they chose to, or decided they were going to find loopholes to get out of paying obligations etc.

What if the money isn't there to pay these debts to begin with?  We've been barely able to pay a mortgage, let alone credit cards etc. It's easy to tell someone else what to do.  I hope someday, something throws your secure little world off its axis, and you find yourself in the very situation as some of us here. Maybe then you'd learn it isn't such a cut/dry situation.

Oh, we've struggled.  And the job last hasn't exactly been replaced.  We're still behind in our Mortgage and trying to catch up, as with our other legal obligations.  I can't work because of various health conditions, or I would, including a part time job at least.  My husband started his own company with the tools of the trade, and now contracts for copier, computer, IT technical jobs as he has a computer science degree, and has years of experience in the others, especially the wide format copier / printers / computers.

People, please read the Fair Debt Collector Practices Act; if a Debt Collector violates any one harrassment or other law in there; Federal Laws says you can sue them for $1,000.00 per violation.  Do it, and then THEY can pay off YOUR obligations!!!  

Again I am not an Attorney - but have learned these by my own experiences.  There are Attorneys you could talk to, and I would, if any violations of the laws have occured in your circumstances.  I am posting this strictly to help others maybe have a piece of mind, if they are up all night worrying about financial problems, and sick to their stomach in worry as I have been, and still are in some ways. I am again just a well informed, knowledgable consumer, who has spent hours studying the laws, because I had no where else to turn for help.  If anything I have written, causes you questions, please seek the advice of an Attorney.

Certain situations such as Mortgages and Car Payment loans usually do not apply here; so you may need to seek the advice of a Lawyer for your individual situation.

If anyone should need help with Lawsuits regarding Collection Agencies/Debt Collectors and/or Credit Cards; I may be able to help you.  Please contact me at tlcpetmommy@gmail.com.

© petmommy copyright 2009 All rights reserved

I have been recieving this annoying phone call at least 2 times a day.  They are rude and I driving me crazy.  The person they are looking for does not live at this phone number and I would like them to stop calling. I am not sure if I should even bother calling them back to tell them to stop calling and leaving messages on my machine.

UPDATE: Well, it's been just about a month - and they're on a roll! Same stoopit-ass recorded message," This is NCO Financial Systems, INC. We're a debt collection company. any information gathered will be used for that purpose. Call Kevin Monroe today! At 800-711-0454."
They call me EVERY SINGLE day except Sunday. Oh, excuse me, they 'missed' one day last week. My bad.
Morons.
LOSERS.
Scum-suckers.
Bottom-feeders.
LOOOOOOOOOOOOOOOOOOOOOOOSSSSSSSSSSSSSSSSSSSER! You'll NEVER get that money coz it's NOT yours to collect, dope! So GIVE IT UP!
LOSER.
LOSER.
LOSER.

All, to solve crap like this, just hit *60 on your phone, then walk through the menu to block callers like these people.

thank you for the insight and info... i will try it...they call repeatedly but refuse to send a hard copy of supposed debt, and wont tell me if they bought the debt or are just collecting for the original agents

I get more than 5 calls a day from this number.  I actually called them back because I couldn't take it anymore.  I get the "all representatives are currently helping other callers, please wait for the next available representative, press one to leave a voice mail."  If you press one, the mailbox is full.  Well, someone actually answered and immediately transferred me to a voice mail box.  Real Professional!

Got a recorded message and told me they were a debt collector and asked me to call NCL 1-800-711-0454 and ask for Kevin Monroe, I called and was on hold forever, she asked what number I was calling from and she said they were looking for (and gave me my name) I have never heard of this place and she said they would take the number off of the calling list. This is a new phone number for us, we recently moved and nobody knows this number (even I have to look it up lol) so I think when you call them back they ask you the number and then they punch it in and your name comes up or they have called ID, this is truly a scam!

annoying phone calls

800-711-0454 has been calling me almost everyday

Three calls in 4 days from 800-711-0454 number. Recorded voice asking for return call to Kevin Monroe.