What do I do going on for NCO Financial?
My fiance (which is military deployed)got a letter from NCO Financial.They are demanding he pay $183.00.He does not own any debts and we check his credit every three months.He has no marks on his credit for this money.I call the number that was on the letter and they be very rude to me.They yelled at me,cussed at me, and consequently hung up on me.So today when the fiance called we called NCO 3way.We give them the account number.They said it did not exsist.Then they asked for his SSN.We said no way we be giving that out.We asked to speak with a supervisor and the lady hung up on us.After we get through taling I called back.After going on for the 15th time of getting hung up on when I would ask for a supervisor I gave up.Has anyone ever been within this situation?What do we do about this?They also would not give the collectors christen.
Answers: Hi Crystal -
NCO works with two kinds of debt. One is debt they are servicing for a creditor and the other is debt that they hold purchased. If the debt is with an external creditor and not NCO, contact the original creditor and operation directly with them. You should read the comments at http://www.callferret.com/nco-financial-... to see other people's experiences with NCO.
If the debt is very soon with NCO, send them a certified return-receipt dispatch asking for a validation of the debt. Do not sign anything that you send NCO or any debt collector; debt collectors have be known to forge documents using the signature you provide.
By sending a debt validation letter, you will force NCO to follow the FDCPA - Fair Debt Collection Practices Act. They must show proof that the debt is valid. If the debt is over 7 years ancient, they cannot legally report it to his credit report or make you reimburse it. Be careful what you say to NCO, as they will try and obtain you to agree that the debt is valid, thereby making it "current" and collectable even if it was older than 7 years.
If they don't dispatch the debt validation letter, which they often don't because they don't own any real documentation to prove it, you can then convey them a cease and desist letter. By canon, you can demand that they no longer contact you by phone and only dispatch you one more letter. They will probably forget about it, a violation of federal law, or distribute it to one of their subsidiaries and play the debt collection shell game. Keep accurate records of adjectives your communication with them because if NCO violates the FDCPA you may be entitled to damages of $1000 per infraction. If you are allowed to surrounded by your state, record all of your phone conversations beside them.
If something does show up on his credit report and you know it to be false, ask the credit reporting agencies to validate the debt, send another debt validation message and see what happens. NCO uses repeated communications, intimidation and harassment within order to try and get you to pass up in frustration and give them money. There are too abundant stories of people not getting credited for money sent to NCO or that they continue to debit sandbank accounts (never give them that info) over the agreed to amount.
If I can be of any further help or explanation on NCO, don't tail off to send me an email.
I've had matching problem with NCO Financial. They eventually reported the collection to RJM Acquisitions, which is legally entitled to report to credit bureaus. I eventually compensated and they removed it . NCO is one of the sleaziest collection agencies around, but they are pretty easy to fight. First rotten, whoever you talked to at first violated the Fair Debt Collection Practice Act by yelling and swearing at you. That should show you what characteristics of people you are dealing with.
What you involve to do is send a letter on your fiance's behalf demanding validation of this debt. 9 times out of 10 that alone will put together them go away as they don't have (or dont want to lavish the time to dig up) the documents needed to validate. Below is a nice indication letter you can use.
http://www.creditinfocenter.com/forms/sa...
Also, your fiance probably has further protections below the Servicemembers Civil Relief Act. Unfortunately I'm not familiar enough next to that law to be anymore specific.
Feel free to contact me if you need any help out dealing with this. I do not like the agency NCO treats people, especially those in the armed forces and their family.
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Answers: Hi Crystal -
NCO works with two kinds of debt. One is debt they are servicing for a creditor and the other is debt that they hold purchased. If the debt is with an external creditor and not NCO, contact the original creditor and operation directly with them. You should read the comments at http://www.callferret.com/nco-financial-... to see other people's experiences with NCO.
If the debt is very soon with NCO, send them a certified return-receipt dispatch asking for a validation of the debt. Do not sign anything that you send NCO or any debt collector; debt collectors have be known to forge documents using the signature you provide.
By sending a debt validation letter, you will force NCO to follow the FDCPA - Fair Debt Collection Practices Act. They must show proof that the debt is valid. If the debt is over 7 years ancient, they cannot legally report it to his credit report or make you reimburse it. Be careful what you say to NCO, as they will try and obtain you to agree that the debt is valid, thereby making it "current" and collectable even if it was older than 7 years.
If they don't dispatch the debt validation letter, which they often don't because they don't own any real documentation to prove it, you can then convey them a cease and desist letter. By canon, you can demand that they no longer contact you by phone and only dispatch you one more letter. They will probably forget about it, a violation of federal law, or distribute it to one of their subsidiaries and play the debt collection shell game. Keep accurate records of adjectives your communication with them because if NCO violates the FDCPA you may be entitled to damages of $1000 per infraction. If you are allowed to surrounded by your state, record all of your phone conversations beside them.
If something does show up on his credit report and you know it to be false, ask the credit reporting agencies to validate the debt, send another debt validation message and see what happens. NCO uses repeated communications, intimidation and harassment within order to try and get you to pass up in frustration and give them money. There are too abundant stories of people not getting credited for money sent to NCO or that they continue to debit sandbank accounts (never give them that info) over the agreed to amount.
If I can be of any further help or explanation on NCO, don't tail off to send me an email.
I've had matching problem with NCO Financial. They eventually reported the collection to RJM Acquisitions, which is legally entitled to report to credit bureaus. I eventually compensated and they removed it . NCO is one of the sleaziest collection agencies around, but they are pretty easy to fight. First rotten, whoever you talked to at first violated the Fair Debt Collection Practice Act by yelling and swearing at you. That should show you what characteristics of people you are dealing with.
What you involve to do is send a letter on your fiance's behalf demanding validation of this debt. 9 times out of 10 that alone will put together them go away as they don't have (or dont want to lavish the time to dig up) the documents needed to validate. Below is a nice indication letter you can use.
http://www.creditinfocenter.com/forms/sa...
Also, your fiance probably has further protections below the Servicemembers Civil Relief Act. Unfortunately I'm not familiar enough next to that law to be anymore specific.
Feel free to contact me if you need any help out dealing with this. I do not like the agency NCO treats people, especially those in the armed forces and their family.