NCO Financial

You could have cut that five months down to less than a week. Certified Mail is your friend when autodialing, lawbreaking collectors are skip tracing for strangers. Discussion linked below:

https://800notes.com/forum/ta-34af6a034ba34b6/unending-collection-calls

I have filed a complaint with the FTC against NCO Financial...I am also filing a complaint with the Attorney General In PA and the state agency that license them...Tomorrow 10/01/2013 I am filing a complaint with Lisa Madigan Attorney General of Illinois....I am sick of these bottom feeders calling my home harassing me over someone else debt...I do not owe any old debts to any one and they think they can call me for months and harass me over someone elses debt they are mistaken...I have asked these people over 20 times to stop calling me, I have a terminally ill husband and our life is upset enough with out these scum bags calling...I have on my caller ID in the last 4 days they have called me 3 times...from 9/24/2013 until 9/28/2013 they called me 3 times...I am going to keep all records of calls on my caller ID ...One of the callers told me there number didn't show up on caller ID and i read it to her and she got mad and hung up on me...

Also file complaints with the FTC & FCC.

Did you send them a cease and desist letter via certified mail? If you haven't, get one online (free), fill it out and send it if you have a address for them!

They keep calling me to for years and always ask for someone I don't know. It's never for me. I don't answer anymore. I am on the Do Not Call List but that never worked.

The Do Not Call List does not apply to debt collectors.
They're supposed to honor your request to stop calling but if they don't follow a verbal request you should send them a written request. Use certified mail.

NCO is a big outfit with an army of lawyers, but that doesn't seem to stop them from violating the FDCPA on an a seemingly industrial scale.  Remember, the collections industry  is now under the scrutiny of the federal Consumer Financial Protection Bureau.   If you are being abused by NCO, (I'm pretty sure you're not alone) file a complaint with them as well:

http://www.consumerfinance.gov/complaint/

I suspect the CFPB is already more than familiar with NCO and it's dodgy practices.

If they're calling you after you've already told them you're not the person they're looking for, it's harassment and a violation of the Fair Debt Collection Practices Act.  You could be entitled to up to $1,000 plus your reasonable attorney's fees and costs (i.e. your legal fees should be free).  You should contact an FDCPA attorney in your area.

Keren

Keren E. Gesund, Esq. | Attorney | Gesund Law Offices
stopharassingdebtcollectors@gmail.com
Licensed in: California, Nevada, and Louisiana

Yes it's useless to try calling NCO Group aka NCO Financial aka Expert Global Services aka APAC Customer Service or any debt collector but one time to find out why they're bothering you. If it's your debt they will contact you relentlessly but it's with disclosure calls with them identifying themselves. The calls will include from every charity, survey, mortgage, credit card, security system you can imagine including lots of local area calls of hang ups and local services. If you're a friend or family member you have to get lucky because all you get are non disclosure calls, Out of Area, plus all the above mentioned calls from this predatory business culture.  They have offices all over the country just google NCO Group for your area but finding their headquarters BBB is difficult but great for filing a complaint and if there's a company around that needs some complaints it's NCO Group. Then file a complaint with your consumer protection division State Attorney Generals Office. The BBB is your friend but have everything written out before hand because they want to make sure your serious about filing a complaint. http://www.bbb.org/washington-dc-eastern-pa/b ... ham-pa-80002360

Calling after you've told them you can't pay (and asked them to stop calling) might be considered harassment under the Fair Debt Collection Practices Act (FDCPA).  You should contact a local FDCPA attorney. You might be entitled to up to $1k in statutory damages plus your reasonable attorney's fees and costs (i.e. legal services should be free).

Keren

Keren E. Gesund, Esq. | Attorney | Gesund Law Offices
stopharassingdebtcollectors@gmail.com
Licensed in: California, Nevada, and Louisiana
___________________________________________________________________________
Disclaimer:  This answer is based on general legal principles only and is not intended to provide specific legal advice. This answer is for informational purposes only and does not constitute the formation of a lawyer-client relationship. Any reader of this answer should not make decisions based upon in without first directly consulting with an attorney.

Does anyone have the home address or phone numbers of Jay King or any of the other NCO officials? This should be very helpful.

Am not sure of your intent Max. But, Jay is part of their "outsourcing" http://www.linkedin.com/pub/jay-king/0/b64/a75 that leads to http://www.ncofis.com/ and http://start.cortera.com/company/research/k2j ... -group-systems/ and under the radar a BBB report http://www.bbb.org/central-florida/business-r ... nd-fl-190126435 and BBB report http://www.bbb.org/new-york-city/Business-Rev ... new-york-ny-136 This entire network that includes their associated, affiliated, subsidiary , internal / external debt collection company, network, are in complete contempt of all rules, regulations, and laws designed for consumer protection at the state and federal level. This is a predatory business culture, preying on the elderly, vulnerable, and uninformed.Their call centers network are unlimited, they can disguise themselves as, whatever. Rules, there are no rules!

Max... I may have the information you need. I'll back with you on the "CNC" site.

you should have sent them a debt validation request before you paid anything.  that stops the collection process and gives you a chance to breathe while the BFF (bottom feeding frauds) attempt to gather up enough information to validate the debt.  be very specific in your letter, send it registered mail, return requested.  there are plenty of examples of a good DVL.  If they fail to respond, it's a violation of the FDCPA.  If they respond to your request with an attempted validation of the debt, be careful to make sure they addressed everything you asked for.  If they didn't send them another letter to re-iterate your requirements under the FDCPA and tell them that since they have not complied with your request in a satisfactory manner, they are still prohibited from engaging in collection activities.

don't send them any money.  if your debt is outside of the SOL in your state, sending them money or agreeing to in writing will reset the SOL clock

It's far too late to help Beverly, so I presume we're trying to set an example for others needing to make effective debt disputes. Your suggestions need trimming.

} registered mail, return requested

Sending a simple notice in a #10 envelope by USPS Registered Mail with no declared value and with a Return Receipt card (Form 3811) costs $15.14 as of today's rate increases. The same item with the same card runs $6.49 sent Certified, up from $6.11 last week. You're sending a replaceable sheet of paper from your home printer, not the deed to a house or blueprints for a new hotel. Why so many people reflexively recommend "registered mail" when Certified does the same job for 2.5 times less cost I will never comprehend.

} If they fail to respond, it's a violation of the FDCPA.

Incorrect. What's illegal is continued collection before fulfilling a debt validation request *made timely*, meaning within thirty days past the consumer's receipt of all the "G-letter" disclosures. Slinking away quietly is a perfectly legal and very common response to an alleged debtor's timely demand. (The one exception is enjoyed by Texans under their state law.)

} be very specific in your letter .... make sure they addressed everything you asked for

Schools of thought differ on how to structure a validation demand. Many dispute letter templates take on a prickly tone and demand all but the kitchen sink, and are roundly ridiculed by their recipients if a human ever reads them at all. The actual standard of debt validation is quite low. You can ask for any papers you like,  but most of what the templates list is not mandated, and often not useful unless you're fighting a lawsuit. You have to think ahead on this. Do you really want to give your opponents a shopping list of everything they need to beat you in court?

A "less is more" approach puts the agency on the spot, odd as that could sound. You don't say *how* to validate, only that you want it done. You also set terms of how and when you may be contacted. That's it, no quoting laws or making idle threats. The agency owners can read the same laws you can. They're supposed to know what their jobs are. If they behave otherwise, it leads to violations, and therefore gives you leverage.

If you do get what they call validation, it could well be whatever crap they had already on file, which did not come from the creditor as the FTC requires. It might have errors and omissions. It might not even be your account records. If it's defective or even suspicious, you don't have to agree that it proves anything.

That's when the second optional dispute letter can be sent. It can say anything from a curt "this is insufficient" to an outright refusal to pay. Or you might march straight on to suing the agency for disobeying contact orders and/or trampling other rights as appropriate. How you react, here and overall, hinges on your liability, the agency's liability, and the agency's standing to enforce the lender contract. There's no single answer for everyone.