Wyoguy
Cheyenne,#2Consumer Comment
Thu, December 17, 2009
I am currently on am ission investigating and researching this debt affiliation. I have known real day "gangsters" in the north east that live off scamming for junk debt. This is very immorale and disrespectful to the American Way. NCS choose to place items of people's credit report before sending a requied "dunning letter by FCRA and FDCPA federal law. The law states that they must send a consumer a notification of alleged debt (the letter cannot be sent later than 2 days from the postmark). The consumer has 30 days within to write back and dispute that debt. At that point, if the item(s) is/are disputed by the consumer, the collection agency must "cease and desist all collection activity" (FDCPA quote) unti such time the debt can be reviewed and properly validated. The collection agency must then rsend a letter allowing the consumer to review the suppossed validated information and the consumer has 30 days to respond with a counter to the validation information. During all this time the collection agency CANNOT place a ark on the consumer's report during a period where there is validation and debt discovery information being researched and checked. This law prevent consumers from having marks show up as it did here for you. NCS chooses to do what it wants. I tell you, they are like kids in kindergarten that play during reading time because their dad is the govenor despite what the teacher says. I will be more than happy to help you. Just let me know.