NCO Financial

They called me 3 times but i didnt answer. I check my credit report and it should no collections so i knew that i was safe. I called them to see what was up and it turned out that they were looking for someone and i was on their contact list. The lady was pleasent, and nice. i didn't have any trouble with them.

Received 4 calls from them in the last 2 days.  They have an old address for me and my maiden name! been married 2.5 yrs. They are trying to collect a fake debt for a student loan. I do not have the debt they claimed and when I told them this the originall caller wouldn't do anything until sending me to her supervisor. As soon as the supervisor came on and I told them info is wrong - she hung up! Obviously they were trying to scam me. I even called my actual student loan company to confirm. They had better not call me again!!

Stay alert and keep an eye on your credit report.   NCO is the worst of a bad lot; they have no regard for federal or state law and just because you don't and never have owed this debt doesn't mean they won't try to collect.  Document everything; if legal in your state record every call they make--they're habitual FDCPA violators; demand a written confirmation of the debt  (§ 809. Validation of debts-FDCPA, too long to post here, but you can Google it.)    Don't expect them to just go away because you told them you can prove you don't owe.  They're getting sued left and right, including allegations of RICO violations for their "business tactics." (http://dockets.justia.com/search?query=nco&court=nysdce)  

So be aware you're dealing with snakes.   Good luck.

I dealt with NCO in the past on a debt that I actualy owed. I know they have a reputation for some pretty poor tactics but to my knowledge they have never had a name change. My dealings with them was over 10 years ago.

Your accountant gave good advice by telling you not to tell them anything. Any information you give a debt collector will cause you trouble unless you are able to and prepared to pay. It sounds like they are following all of the rules in collecting on your file. Probably because they do not own the account. Many people here don't understand that there is a different set of rules that applies if they own the account or are collecting as a third party.
Some important things to consider are the fact that your old tax bill is collecting interest and will probably never go away because most tax debts are not subject to Statutes of limitations.
If you know you owe the bill but can’t pay there are some things you can do. First you need to send them a registered letter with return receipt requested that includes your full name and their account number for you. Don’t say anything in the first letter to them except that they are to cease all telephone contact and communicate regarding this debt only in writing via registered mail at your address. Contrary to what others here may say you don’t need to pay a lawyer to write a letter. If you do they will say if you can afford an attorney you can afford to pay your bill. You will get a receipt back when they have gotten the letter.
By the time you get the receipt card they should have stopped calling you. That is when you should start trying to make payments. Another misconception is that they have to agree to a payment plan before you can make small payments. Even if you can only pay $50 a month it will help. They will send you letters that you should keep in a file for your reference telling you that you have to pay it all and that payments are not acceptable on the account but they won’t call you about it. Eventually they may offer a settlement for you. If you can’t even pay a few dollars a month for your income taxes you may want to consider bankruptcy.

For anyone who is interested:  When collection calls come on my cell phone, I SAVE the phone # and mark it as "Salesman#1" and then BLOCK all calls from that number.  It seems to reduce the annoyance.

This technique will certainly work better than changing your phone number!

Always open to new ideas.

A little payback to NCO, & like-companies.
If you get annoying calls, call them back repeadedly,, dialing *67 first then their number. Always use the *67,
it blocks your number - they can't see'read it.

The [***] think there smart trying to use a unknown blocked number so you dont know whos calling nice try you low life scum

Bill, Bill, Bill,

Either you work for NCO, or you just don't have a clue.

*67 will not protect your number.  They will not be relying on caller ID, they will be using ANI.  If you call them on a toll free number, then ANI will reveal your number.  If you don't call them on a toll free number, then they'll route the call so they can use ANI and you'll never know the difference.

Read here: https://en.wikipedia.org/wiki/Automatic_number_identification

Nco is on my credit report preventing Me from buying a home , I have called all these numbers  and they can't find me . yet refuse to delete it , what to do ?

Off the top of my head, I would write a certified, return receipt letter to NCO inquiring about the item, and pray that they answer you in writing that they can't find any record.

Then file a dispute with the credit bureau(s), citing NCO's written response (include a copy).

If they still don't remove the item, find a good pit-bull lawyer and let NCO and the CB pitch in together to buy your new house for you.

Also, see:

http://www.ftc.gov/os/statutes/fcrajump.shtm

http://naca.net

Good luck,

-LS-

They call from different numbers to get around call blocking.  IP phone numbers are so cheap now they can get thousands - essentially making call blocking useless.

You've the right idea but the wrong order of events, according to currently accepted practice. The disputing starts with the credit reporting agency, (CRA) then progresses to the information furnisher, such as the reporting debt buyer. Before that kicks off, one should have a fresh credit report *on paper* direct from a CRA, or two or all three. Keeping the whole process on a paper trail builds a better FCRA suit.

In short, the CRA will probably devote an entire four minutes of "investigation" through E-OSCAR to return a result that the disputed tradeline is "verified". The FCRA gives the right to question how that conclusion was reached. If nobody has a good answer, the source of the lies is targeted courtesy of FACTA. Some of the best guidance on this process is found on Credit InfoCenter and DebtorBoards.

Debt buyers sometimes create a dubious tradeline to serve as a hidden toll booth to be discovered when a person needs credit. They have little incentive to correct or delete their lies until it's clear that the cost of retelling them exceeds what the buyers hope to extort. One might get lucky and see rapid satisfaction, but should plan for a long battle. If Hacosta is in a hurry to close a hot real estate deal, impatience will lead to paying NCO whatever it wants. This is by design, and sadly a common outcome.

I realize that this is not the normal sequence of events, but if I understood the poster there has already been contact with NCO, and they were unable to validate the item.  In this unique case, I would go for the letter from NCO first.  I guess I'm just salivating over their stupidity.  Otherwise, I agree with you.

Interestingly, years ago I got a call from NCO on a voice mail, and knowing what slugs they are, I didn't bother to talk with them on the phone, I simply dispatched a demand letter.  The reply from them was that they had no record of me in their files.  I never heard from them again.  Makes you wonder what the heck goes on there in the land of slugs.