Complaint Review: NCO Financial Systems Inc - Horsham Pennsylvania

This is unfortunately a common tactic with many unscrupulous 3rd party collectors. First step, what does the fax they sent you actually say? Does it say something like 'we are offering you a settlement of $885 etc.' If yes, then it is reasonable for you to argue that $885 is the full amount they asked you to pay. If its more along the lines of 'a payment is due of $885', you have a much tougher task ahead. Also, do you have the paperwork on the original debt? The amount they quoted is almost 3 times as much! Even if this debt is fairly old that seems like too much intrest. If you have these things, you'll still need more to get these hound dogs off your back, but it should be fairly easy. If not, it will be more time consuming but not impossible. You can also request the info on the debt from the original creditor. Did I understand correctly that you had already paid this to BOA but paid it again to NCO? Bad mistake, they figure they can just keep hitting you up forever now. Once you have any info you can muster to indicate you have paid this debt in full, follow these steps. 1) If you can afford a lawyer, get one to write a letter stating your position and telling them to back off. This should make them go away temporarily, but I'd still recommend following the rest of this list. 2) Look for local governmental consumer advocacy agencies. Is there a consumer affairs agency in your city or state? If you can't find one, go straight to the AZ attorney generals office. You can ask them if there is another agency when you contact them to file your complaint. 3) Report to the FTC-They probably won't get involved directly in your case, but accumulative reports lead them to take regulatory actions on creeps like this. I wouldn't recommend talking to anyone at NCO directly anymore (the one's in the US are even worse, trust me). If you must communicate with them, do it by mail. If you must speak with them over the phone, do it on speaker and record the conversation. Make sure AZ is a single party state if you do this, otherwise legally you must tell them you are recording and are less likely to catch them in violations. This info is easily found on google. Finally get a copy of the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act from the FTC website as well as any consumer protection laws in your locality. Not very interesting reading but I'm sure you'll find multiple ways in which the NCO reps violated these acts and can use them to build your defense. Happy hunting and please post your results, especially if you are successful.

This is unfortunately a common tactic with many unscrupulous 3rd party collectors. First step, what does the fax they sent you actually say? Does it say something like 'we are offering you a settlement of $885 etc.' If yes, then it is reasonable for you to argue that $885 is the full amount they asked you to pay. If its more along the lines of 'a payment is due of $885', you have a much tougher task ahead. Also, do you have the paperwork on the original debt? The amount they quoted is almost 3 times as much! Even if this debt is fairly old that seems like too much intrest. If you have these things, you'll still need more to get these hound dogs off your back, but it should be fairly easy. If not, it will be more time consuming but not impossible. You can also request the info on the debt from the original creditor. Did I understand correctly that you had already paid this to BOA but paid it again to NCO? Bad mistake, they figure they can just keep hitting you up forever now. Once you have any info you can muster to indicate you have paid this debt in full, follow these steps. 1) If you can afford a lawyer, get one to write a letter stating your position and telling them to back off. This should make them go away temporarily, but I'd still recommend following the rest of this list. 2) Look for local governmental consumer advocacy agencies. Is there a consumer affairs agency in your city or state? If you can't find one, go straight to the AZ attorney generals office. You can ask them if there is another agency when you contact them to file your complaint. 3) Report to the FTC-They probably won't get involved directly in your case, but accumulative reports lead them to take regulatory actions on creeps like this. I wouldn't recommend talking to anyone at NCO directly anymore (the one's in the US are even worse, trust me). If you must communicate with them, do it by mail. If you must speak with them over the phone, do it on speaker and record the conversation. Make sure AZ is a single party state if you do this, otherwise legally you must tell them you are recording and are less likely to catch them in violations. This info is easily found on google. Finally get a copy of the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act from the FTC website as well as any consumer protection laws in your locality. Not very interesting reading but I'm sure you'll find multiple ways in which the NCO reps violated these acts and can use them to build your defense. Happy hunting and please post your results, especially if you are successful.

This is unfortunately a common tactic with many unscrupulous 3rd party collectors. First step, what does the fax they sent you actually say? Does it say something like 'we are offering you a settlement of $885 etc.' If yes, then it is reasonable for you to argue that $885 is the full amount they asked you to pay. If its more along the lines of 'a payment is due of $885', you have a much tougher task ahead. Also, do you have the paperwork on the original debt? The amount they quoted is almost 3 times as much! Even if this debt is fairly old that seems like too much intrest. If you have these things, you'll still need more to get these hound dogs off your back, but it should be fairly easy. If not, it will be more time consuming but not impossible. You can also request the info on the debt from the original creditor. Did I understand correctly that you had already paid this to BOA but paid it again to NCO? Bad mistake, they figure they can just keep hitting you up forever now. Once you have any info you can muster to indicate you have paid this debt in full, follow these steps. 1) If you can afford a lawyer, get one to write a letter stating your position and telling them to back off. This should make them go away temporarily, but I'd still recommend following the rest of this list. 2) Look for local governmental consumer advocacy agencies. Is there a consumer affairs agency in your city or state? If you can't find one, go straight to the AZ attorney generals office. You can ask them if there is another agency when you contact them to file your complaint. 3) Report to the FTC-They probably won't get involved directly in your case, but accumulative reports lead them to take regulatory actions on creeps like this. I wouldn't recommend talking to anyone at NCO directly anymore (the one's in the US are even worse, trust me). If you must communicate with them, do it by mail. If you must speak with them over the phone, do it on speaker and record the conversation. Make sure AZ is a single party state if you do this, otherwise legally you must tell them you are recording and are less likely to catch them in violations. This info is easily found on google. Finally get a copy of the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act from the FTC website as well as any consumer protection laws in your locality. Not very interesting reading but I'm sure you'll find multiple ways in which the NCO reps violated these acts and can use them to build your defense. Happy hunting and please post your results, especially if you are successful.

This is unfortunately a common tactic with many unscrupulous 3rd party collectors. First step, what does the fax they sent you actually say? Does it say something like 'we are offering you a settlement of $885 etc.' If yes, then it is reasonable for you to argue that $885 is the full amount they asked you to pay. If its more along the lines of 'a payment is due of $885', you have a much tougher task ahead. Also, do you have the paperwork on the original debt? The amount they quoted is almost 3 times as much! Even if this debt is fairly old that seems like too much intrest. If you have these things, you'll still need more to get these hound dogs off your back, but it should be fairly easy. If not, it will be more time consuming but not impossible. You can also request the info on the debt from the original creditor. Did I understand correctly that you had already paid this to BOA but paid it again to NCO? Bad mistake, they figure they can just keep hitting you up forever now. Once you have any info you can muster to indicate you have paid this debt in full, follow these steps. 1) If you can afford a lawyer, get one to write a letter stating your position and telling them to back off. This should make them go away temporarily, but I'd still recommend following the rest of this list. 2) Look for local governmental consumer advocacy agencies. Is there a consumer affairs agency in your city or state? If you can't find one, go straight to the AZ attorney generals office. You can ask them if there is another agency when you contact them to file your complaint. 3) Report to the FTC-They probably won't get involved directly in your case, but accumulative reports lead them to take regulatory actions on creeps like this. I wouldn't recommend talking to anyone at NCO directly anymore (the one's in the US are even worse, trust me). If you must communicate with them, do it by mail. If you must speak with them over the phone, do it on speaker and record the conversation. Make sure AZ is a single party state if you do this, otherwise legally you must tell them you are recording and are less likely to catch them in violations. This info is easily found on google. Finally get a copy of the Fair Debt Collection Practices Act, and the Fair Credit Reporting Act from the FTC website as well as any consumer protection laws in your locality. Not very interesting reading but I'm sure you'll find multiple ways in which the NCO reps violated these acts and can use them to build your defense. Happy hunting and please post your results, especially if you are successful.