NCO Financial Systems Threatening behavior, refusal to sign Partial Release of Lien ripoff Horsham Pennsylvania
My husband and I are in the process of selling our home. We were notified that there was a lien against our home for AT&T Universal Card. When I called them to find out about this they said the account was closed and had been sold to NCO. I contacted NCO, and a very nice representative, took my information. I explained that this debt had been from AT&T Universal card and there was now a judgement against us which had been placed as a lien on our home.
I have been told that by law in the state of Texas, the debtor has to sign a Partial Release of Lien when it is on a homestead. I was going to go ahead and pay the entire debt which the representative, Mr. Roberson, told me was $2187. He told me I was luck that his manager had spoken with the attorney and this was all they wanted. He said once he had the money he would send notice to the title company that this was cleared up. I told him I didn't have the funds in my checking account at the moment but would call back the next day.
When I called back, Mr. Roberson would not talk to me but his manager came on the line and told me the amount was now $6,005. I refused to pay that and the company called back in a day to try and settle for $4500. We again refused and they stated that the $2187 offer was not a real offer. I told them they needed to listen to their recordings as it was a real offer. Leonard, the manager then became very threatening. I told him that by law in the state of Texas he would have to sign the Partial Release and he said he didn't care about any laws.
We have a lawyer sending a letter to them and hope to at least get the partial release before the potential to sell our home runs out. I am glad, however, after reading all of these comments that I did not pay them the first offer, I now believe they would not have honored their word that they would send my title company a letter saying the debt was paid.
Jane
Dallas, Texas
U.S.A.
5 Updates & Rebuttals
J
Lakewood,Ohio,
U.S.A.
Jill,arlington,Tx.
#6Consumer Suggestion
Wed, January 03, 2007
if another collection company got the judgement, how did N.C.O. get it? Why would a collection agency, get rid of it that's like money in the back for them.
I would check with the collection agency that got the judgement and find out what they did with it, if they did sell or, are they having nco collect it, get something in writing about it.
Is nco trying to collect more then the judgement?
the only way a judgement can go up in money, when the court awarded it they set a annual interest
P
Red Oak,Texas,
U.S.A.
COMPLAINTS AGAINST NCO IN THE DALLAS AREA
#6Consumer Comment
Wed, January 03, 2007
I was given the following name for Dallas people who wish to complain regarding NCO.
Dallas Consumer Attorney Tom Thomas at: 214-370-3340
Hope that helps!!
Jill
Arlington,Texas,
U.S.A.
NCO Financial - Judgment
#6Author of original report
Thu, December 21, 2006
NCO did not get the Judgment but the company that had the debt before them did. The Judgment is valid. Our lawyer is working on a letter to send them. Do you know who it should be sent too?
Nikki
Coconut Creek,Florida,
U.S.A.
There may not really be a judgment
#6Consumer Suggestion
Thu, December 21, 2006
I thought to get a judgment against you, the company has to go before a judge to have the judgment ordered. If a judgment is ordered, it is for a specific amount. There is usually a complaint filed with the county clerk's office, and served upon you (if they know where you live).
For some reason, mortgage companies are seeing different credit reports than we get. I applied for a 2nd mortgage and the mtg company told me there was a judgment against me. The mortgage company gave me the docket number (because on their report, there was a number under the "docket number" column), and told me that usually when there is a docket number, there is a judgment.
What showed on the mortgage company's report as a docket number, showed up on my personal report as my account number with the collection agency. I faxed the mortgage company my personal credit report, they saw the debt as an old collection, not a judgment, and gave me the 2nd mortgage.
The mortgage company told me they tried calling the collection agency who would not give them any info. Maybe if your mortgage company did this, it alerted the collection agency that you were applying for a mortgage and that's why they changed the amount owed. If they know you are trying to get a mortgage, they will try to get more money because they know you are desperate. I would not recommend this, but I called the collection agency and asked them if it was a judgment, or merely a collection. The girl was very nice (believe it or not) and told me there was no judgment against me, merely a collection. If she would have said judgment, I would have asked her what county clerk's office had the order of judgment so I could get a copy.
By the way, a friend of mine had a judgment against her from a credit card company and on her credit report, it showed up as "____ County Clerk", not the card company or the collection agency. Then under the notes it stated Providian judgment. That's why when the mtg company called to tell me I had a judgment, I knew I didn't because there were no county court systems listed on my report. However, different states may have different rules on judgments.
Please keep in mind I'm not really giving you advice, only letting you know, from personal experience, what happened to me.
I hope everything works out for you!
Steve
Bradenton,Florida,
U.S.A.
Jane, NEVER speak to any debt collector on the phone! Especially the dirtbags at NCO!
#6Consumer Suggestion
Wed, December 20, 2006
Jane,
Did you even bother to check the status of the debt to see if it was still legally collectable?
Most of the debts NCO purchases are way past SOL and cannot be collected, and even if they are within SOL most of them cannot be documented.
You can dispute the lien.
NCO are the largest JUNK DEBT BUYERS in the nation,and are also the largest offenders of the FDCPA.