NCO Financial

Send them a letter VIA certified mail with return receipt requested informing them your mother died with no estate, you are not legally responsible for her debt(s) and they are to cease calling. Be sure and keep copies of everything you send. If they continue calling after you have proof they received your letter, you can sue them for $1,000 per violation.

Hopefully what Alfalfa says will be enough, but if not check the link below

http://www.naca.net

You can find a Consumer/Debt Collection Attorney to represent you if you decide to do so.

Gents, we don't know for certain that the commentor cannot be held liable for Mom's old accounts. I agree that it's unlikely, but one should not guess at this. Not gonna name aliases here, but some of us need to stop relying on flawed readings of consumer law. The FDCPA stat fine is capped at $1K per *civil action*, not per violation.

As ever, I concur that getting on a paper trail is the smart move. Scofflaw collectors don't want supporting documents, they want money. Wise use of the law denies that prize.

Thanks, I will go with that advice. AIC -Allied International Credit =is a debt collection agency, I think they were the second or third agency the debt went to over the years. It was for a traffic violation, out of date registration..
It just seems strange that NCO is now trying to have it appear that they are working with AZ to collect. This has never come up on my credit report. Could it be the bill was only assigned to credit agencies all these years?

On the form letter NCO has a link to AZ Phonix courts where I could pay, but that link is  a private web site. Knowing that simply responding to the letter doesn't restart it - helps immensely.

I just got a robophone call from them. So I will include the request not to contact me by phone.

Thanks again, I will write and see what happens.

I have $75 unpaid amount for contract broke. Do I need to pay or just ignore.
Please advise. Thanks- Gary

$100 no need to pay. How affect stupid $100 credit history.

You're expecting Bill to leap out from three years ago to answer your extremely vague question when he sounded like a collection newbie himself? No one can advise you based on two badly composed sentences, apart from a broad urging to assert your rights.

The Allied Int'l name is familiar. Proceed with due caution. Not that I want to disagree, but you'll have to be deadly sure the debt was sold and not merely assigned. That will make the difference between your dunning letter costing NCO a grand for misrepresentation versus causing you a heap of grief. A debt buyer would not point you back to an original creditor's payment portal; it would be an absurd gesture. I would suggest a slow and careful review of that letter and study of whatever contact data it provides, possibly with a consumer lawyer looking over your shoulder.

Lack of credit reporting does not equal lack of a debt claim. A debt can persist for decades after the FCRA reporting limit and is collectable indefinitely so long as the alleged debtor has no Statute of Limitations defense.

How can I remove or block NCO FINANCAL SYSTEMS I've got ton calls from them almost everyday.

Do you know the number(s) they are calling from?  Ask your phone provider if the numbers can be blocked.  

If they are calling your cell phone put them in your contacts list and assign them the ring tone "no ring".  That will send the calls to voicemail without bothering you.

I was about to bark something about reading this thread before asking such a thing, but I guess this next point has not been clearly made.

You have a right to limit or ban phone calls from third party debt collectors, courtesy of state and federal laws. People who block and ignore collection contacts are more likely to play Call Blocker Whack-a-Mole, more likely to be sued, and more likely for lack of evidence to lose their court cases as either defendants or plaintiffs.

Your approach should vary depending on the reason and for whom NCO is calling. Some of that discussion is found in this thread. Also, this article link has been visible on every 800Notes page for 5.5 years:

Harassing calls from a debt collector?
https://800notes.com/arts/KBN5c2IZiAC_wQjKBNRWFA

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Whether you are called a debtor or some collector thinks you can flush one out, you have rights and options. Many are simple to exercise if you only learn how. You are granted control of how you are contacted, the right to dispute debt claims, and the means to sue violators at low cost. The FTC and the CFPB can start you on your homework. See also if your state laws grant additional or stronger rights.

official FTC guidance and staff opinions on the FDCPA, PDF copy of the Act
http://www.ftc.gov/os/statutes/fdcpajump.shtm

CFPB Q&A on debt collection practices
http://www.consumerfinance.gov/askcfpb/search ... debt-collection

Wow, ive been harrassed by them since 2008. I told them to quit calling but they keep calling. I get 2 to 3 calls daily. I told them If they could come and take care of my 2 autistic sons I would be glad to try to get a job but the amount they say I owe isn't correct.

I had never heard of them but I got a call just now.  I have been disconnected twice and have been on hold for a combined time of almost 30 min.  Haven't spoken to anyone yet.  I have absolutely no debt.  Don't even own a credit card.  Extremely curious but maybe I should just hang up.....

After I was harassed by NCO trying to collect from someone who doesn't even live in my state I sent them (via fax) a "DROP DEAD" letter.  (Google for a good boiler plate version).  I simply stated in the letter not to call my number with regards to any debt and to send all correspondence to the address referenced on the debt.  They made one call after that but I have not heard from them since.
This Bureau has some links for assistance: http://www.consumerfinance.gov/
Good luck folks!

Earlier this year I received a call about every other day from NCO.  I ignored them as I usually do for unknown callers.  They would leave messages.  Finally I decided to answer the phone to see what kind of bill they thought I owed.  Just got recording to leave information and they would call me back.  After many other calls to me I decided to actually call them back to try to get them to stop calling.  Always just got a recording.  Finally I actually got to talk to a person who told me they were trying to collect a bill for another person, not me.  I told them this was not her number.  She said she would note that on the record.  That was no help.  They continued calling.  I started noting the date and time of each call.  For a while I called them back every time they called me (reverse harassment) and left a message that I had already responded to their request and if they continued to call I would report them to the AG of my state.  After a couple more weeks and a longer list of dates and times I did that.  I contacted my AG.  They referred the case to the State Department of Financial Instutions contacted NCO and the calls stopped.  The whole process took about 5 months.

Now if I could get all those calls from D.C. area phone numbers to stop it would be quite around here.