NCO Financial

We can only speculate on the meaning of someone having "called all these numbers". I've seen compelling discussion that, in theory, the order of dispute targets should not matter. In practice, it's held that notice of a tradeline dispute to a furnisher must be issued by the CRA before FCRA private right of action is triggered. Disputing the JDB first might get the job done just for nuisance value, but it appears safer to attack the bureaus first and side with how the courts are ruling.

NCO I think does have a severe communication breakdown between its left and right hands. It also has a bunch of names which could be aliases or subsidiaries. I wonder if Hacosta has yet to find the right person at the "right" NCO. I wonder this because a friend is fighting one of their faces now. She was served a notice of wage attachment for a lawsuit she's never seen. The given case number pointed to a suit between two different and unfamiliar parties which was settled and dismissed years ago! The investigation continues, as heads shake in disbelief.

NCO called my number today and left a message for someone who did not live here (same last name).  Hopefully they don't keep calling like they do to other people.

Yea, NCO is a piece of work. They will continue to call (even after the bill has been paid). I just ignored them.

Just keep the records.  ;)

Please E mail me. If they are leaving you pre recorded messages you have a law suit. You get up to $1000 my e mail is [removed]@aol.com You never pay anything the legal fees are taken from the collection agency. They know this is illegal and they keep doing it. If you have messages saved e mail me also save messages from now on, that is harassment.

Alfalfa doesn't need help from you or your AOL address if he wants to shop for a consumer attorney, which is the offer you're skirting around in a comment I've reported as spam.

NCO's conduct is what it is - they behave like xxx-holes! Thier record speaks for itself! They will bend the law to suit the moment...

Your problem seems to be the truth about NCO hurts - maybe you work for them???

I got a letter from these guys about a year ago. It was adressed to someone other than me who now owns the P.O. Box.

My guess is someone didn't update their address and I got it. scratched it out, and wrote "Return to Sender"

What a piece of work....  Had a small balance left with Wells Fargo (under 1500 bucks).  They were taken over by SST and suddenly my balance jumped by almost 900 bucks to 2400.  BBB says the company is unacredited but sided with my copies of payments and proof of transactions and term of contract I had with WF.  Stopped making payments to STT until the cleared things up to show correct balance.  Then ended up sending account to NCO and of course they too are showing the incorrect balance to what BBB is saying and what was correct balance with Wells Fargo prior to SST take over.  

So for the past 8 months Richard this and Richard that keeps calling.  Does NCO only hire people named Richard XXXX.  Its always a Richard that calls but with many different last names.  Nothing negative on my credit report just shows WF account closed and remaining balance transferred.  Do not even list who the balance was transferred too.

From what I hear, NCO is the big Daddy of all Debt Collection agencies, and most Lawsuits against them.

Here's another..

http://www.topclassactions.com/lawsuit-settle ... -action-lawsuit#

This one is more recent, Febuary of 2013

Firstly, do you self a favor and add yourself to the national do not call list, and the opt-out list.

Secondly a letter to them is the way to go, if it is truly not yours or, if they think you are someone else. That letter just states the obvious, not yours or "Im not the guy your asking for", so stop calling me at this number. In the letter you should state that they are to write but never call.---- send registered mail with a return receipt, or registered mail so you can track and prove that they got it.

I would advise all to never correspond with collection companies by phone.
   1. They record it
   2. If they get you to agree to a number of things they can legally reset the DOLA and the SOL, making     the debt more legitimate.
   3. it's hard to prove threats or other malpractice that they commit over the phone (I have heard some of the craziest malpractice cases)
   4. It's a sign of an educated consumer, and they are a lot nicer to you, and play closer to the rules.

----****** Over %90 of collection accounts are not being legally pursued, they are always breaking some kind of law, so that being said I'd contact some help to determine if you are even liable for the debt.

Another "credit consultant" I would not consult ....

} add yourself to the national do not call list

1) This helps with debt collector calls how? Not at all. The federal Do-Not-Call registry exists to help enforce the Telemarketing Sales Rule. Please note the operative term ''marketing''. A debt collector is not a sales person and is therefore not covered. Here are the DNC service terms you were supposed to review at registration time:

National Do Not Call Registry Q&A
http://www.consumer.ftc.gov/articles/0108-national-do-not-call-registry

2) Only phone numbers are added, not persons. You can have many phone numbers come and go but only one self.

} registered mail

A paper mail method with proof of receipt is vital, but USPS Certified is adequate.

} never correspond with collection companies by phone

Just because you personally can't keep your trap shut does not make the silent treatment sound strategy for everyone. Collector phone calls are frequently useful for gathering evidence of legal violations, which occur most often by voice. With practice one can use them to extract information without saying anything against one's own interest. Each of us must measure how our nerve will hold.

} If they get you to agree to a number of things

So don't agree to "things". Don't even discuss "agreements" or "settlements" or the chance you owe or where you work or whatever else is none of their business.

} They record it

So do I. Bring it ....

} it's hard to prove threats or other malpractice

Really? See above, and read about celeb litigants like Diana Mey and Loida Ripdos. The FDCPA does not demand strict proof anyway. It's a strict liability statute, helping us non-attorneys enforce it.

Yes, Best Behavior Mode does tend to snap on if you don't sound properly scared white. Seemingly polite agencies still manage to break laws, however. They almost can't help it when lawbreaking is folded into the business model.

Does anyone have a fax number for this [***] comp. that likes to go after 73 year old woman that need 24hour care

Ask and you will receive:


Company Overview

NCO Financial Systems, Inc. provides business process outsourcing and accounts receivable management services to the healthcare industry in the United States. The company offers customer management; customer acquisition and sales; customer retention; product support; technical support; litigation; loan servicing; order processing; third party verification; and back office services. NCO Financial Systems, Inc. was formerly known as Barrist Corporation and changed its name to NCO Financial Systems, Inc. in December 1986. The company was founded in 1926 and is based in Horsham, Pennsylvania with additional offices in North America, Latin America, Asia, Europe, and Australia. NCO Financial Syste...
Detailed Description

507 Prudential Road

Horsham, PA 19044-2308

United States

Founded in 1926

Phone:

215-441-3000

Fax:

215-441-3923

www.ncogroup.com
Key Executives for NCO Financial Systems, Inc.
Mr. John R. Schwab
Principal Executive Officer
Age: 45
Mr. Steven L. Leckerman
Chief Operating Officer and Executive Vice President
Age: 60
Mr. Ronald A. Rittenmeyer
Chief Executive Officer NCO Group Inc - Holding and President of NCO Group Inc - Holding
Age: 65
Mr. Stephen W. Elliott
Chief Information Officer and Executive Vice President of Information Technology
Age: 51
Mr. Joshua Gindin
Executive Vice President
Age: 55

It is simple to deal with NCO,get a answering machine,never answer the phone unless you know who it is