Complaint Review: NCO Financial Systems - Horsham Pennsylvania

Charles, you are a simpleton, and an evil one at that. NCO is notorious for their illegal practices. They break every law on the books because they have Tom Corbetti in their pocket. They have been harassing and threatening me and my family for months for a debt I DO NOT OWE. And then you, poor widdle whiny Chuckie-poo, the oh-so-innocent strongarm man for NCO, comes on and leaves a comment about how truly sainted and good and just misunderstood you are, blahblahblah... STFU, d****e-bag. No one cares. And maybe people have been "abusing" you all your life because you deserve it. Ever stop to think about that? Now quitcherwhinin', grow a pair, be a real man and get a real job.

That Is how people treat posters on this site. They send comments which are harsh & nasty & they don't know there situations. People are quick to judge these collectors from nco are horrible.

That Is how people treat posters on this site. They send comments which are harsh & nasty & they don't know there situations. People are quick to judge these collectors from nco are horrible.

That Is how people treat posters on this site. They send comments which are harsh & nasty & they don't know there situations. People are quick to judge these collectors from nco are horrible.

That Is how people treat posters on this site. They send comments which are harsh & nasty & they don't know there situations. People are quick to judge these collectors from nco are horrible.

Turns out they were in violation of contacting us due to the bankruptcy agreement. And all I can say is wow about this site. I can not believe how harsh people can be. What is funny about it is no one knows other peoples situations yet you are all so quick to judge. I would like to see how you would all do in life if a huge account that owed you 250000 went under and you were owed the money. I am sure you would be struggling. Give people who are trying to do the right thing a break! We paid everyone we could. We were never once behind on any bills before this happened to us. We couldn't predict the future or else we wouldn't have been in the mess our biggest client left us in. Thanks!

I just love these collectors from nco. I just tell I don't have the money to pay @ this time. These bottom feeders have to realize that & they have to realize that there idiotic only make them look bad, but they are to stupid to realize that.

in other words stop whining...you are the perfect example of why companies need to employ the tactics they do. You admit you had financial problems but refuse to take responsibility for the problems. There are a lot of people here on this site that provide realistic means to solving credit problems, but people like you just want to whine whine whine. You have financial problems, you deal with them. you deal with them the best you can. If you can offer a glimpse into the tactics of companies that take advantage of those down on their luck then that's great...but don't expect a pity banquet when you do. Take your lumps, move on...get over it....you still seem to think that the world owes you something. IT DOESN'T

I hope your employer terminates you for no reason & you have problems trying to pay your bills. Then you would see how It feels to be In this situation. But you think you have money so you can judge other people on this site. I didn't ask for this situation nither did my mother having to struggle & save. Being hounding buy collection. I have saved all the collection letters more then a stack high we only have enough money to pay important bills like the house payment, car payment, food bill & utilities & phone bill & the gas bill. The past due credit card bills & medcial bills will have to wait. I will continue to save all the collection letters. I hope your employer picks on you, this Is a vicious cycle never ending problem. All because of discrimination.

Charles puts his two cents in - this coming from a "child" who blames everyone for his and mommy's problems - guess what - get real Stop posting bogus crap and start taking responsibility for your own actions 10 to 1 you won't Stop wasting the time of the real people who have legitimate complaint You are a train waiting for a propane truck to land on your tracks

I have been mentally abused like this from people all my life, but I refuse to take It anymore people still try to do me this way on this site. But I don't have to take It, they try everything to ruin my day. Well they can say what they feel like. I took this abuse my whole life.

I have been mentally abused like this from people all my life, but I refuse to take It anymore people still try to do me this way on this site. But I don't have to take It, they try everything to ruin my day. Well they can say what they feel like. I took this abuse my whole life.

I have been mentally abused like this from people all my life, but I refuse to take It anymore people still try to do me this way on this site. But I don't have to take It, they try everything to ruin my day. Well they can say what they feel like. I took this abuse my whole life.

I have been mentally abused like this from people all my life, but I refuse to take It anymore people still try to do me this way on this site. But I don't have to take It, they try everything to ruin my day. Well they can say what they feel like. I took this abuse my whole life.

We get yet another illiterate response from a debt collector, and from Charles - Phenix City. Imagine that. I feel that people have these problems mainly because they are illiterate. Literacy is essential to get by in today's world. Every agreement you sign is full of loopholes, advertisements are full of fine print, etc. Look at the response from the debt collector. It has no capitalization, and sparce punctuation. Most thoughts just run together and is very hard to read. Also, here is another debt collector who simply cannot read and comprehend the FDCPA. He states that the consumer has 30 days to respond to the collection letter. Simply NOT true. The debtor does not have to respond at all, and if the debtor chooses this course of action, his/her rights are unaffected. No loss of rights. The debtor can, and should ignore everything but the summons from a third party debt collector. How can anything this person says be credible? Literacy = Credibility. Then there is Charles. Well, he should not even be let out of the house on his own. Very scary. This is what our society is coming to. Very sad. Listen up people, get some education, even if you have to go back to school at 40 or 50. Don't go through life looking like a moron. >>> Submitted: 9/13/2008 2:38:34 AM Modified: 9/13/2008 3:59:37 PM Dalejrfan_830 Overland Park, Kansas U.S.A. we are all just trying to make it first thing is that when a settlement is allowed by a collection company that arrangement has to b fufiled to a t nothing can post late or anything because the collection agency dose not have to settle anything they can simply say no after you make those payments and demand that you pay the rest of the balance because you broke the arrangement that is the right of the company no matter what the reason is even if you died and your heart broken spouse sent in the payment late it dose not matter and as far as the other thing goes it sounds like you know what that debt is and that it is a legit debt but you want to give them a hard time but that dose not change the fact that they should send out information that you request but if there is a real doubt in your mind you can follow the account form the original creditor call them and ask where your debt is but all collection agency have to send out a initial letter that states what thy are contacting you about and the mini maranda and if the debt is not valid you have 30 days to dispute that with them in writing. oh and when you say that we are all trying to make it out hear keep in mind that when a collector calls they are getting payed for collecting your bad debt so by you not taking care of your finical oblations with that collector you are taking food out of there mouth just like you feel they are but the one thing that different is that collectors are doing a job the debtor not paying for lines of credit or services that they received so when you say predators you may want to take a look in the mirror because if you would have fulfilled the oblation that you agreed to you would never have gotten that call so keep that in mind Submitted: 9/13/2008 8:32:37 PM Modified: 9/13/2008 9:00:29 PM Charles Phenix City, Alabama U.S.A. People end up in financial hardtimes Here we go with this nonsense again. People end up In financial hardtimes. Many people are struggling to pay there bills. And you add more problems for people!. With employment abuses Its hard for people to hold a job these days when they sign the agreement they do not know If they are going to become unemployed. But collection agencies do not care about your financial problems, they can't make you pay when you don't have the money. Then you have to put up with crap from people on this website who doesn't give a d**n. >>>

Here we go with this nonsense again. People end up In financial hardtimes. Many people are struggling to pay there bills. And you add more problems for people!. With employment abuses Its hard for people to hold a job these days when they sign the agreement they do not know If they are going to become unemployed. But collection agencies do not care about your financial problems, they can't make you pay when you don't have the money. Then you have to put up with crap from people on this website who doesn't give a d**n.

first thing is that when a settlement is allowed by a collection company that arrangement has to b fufiled to a t nothing can post late or anything because the collection agency dose not have to settle anything they can simply say no after you make those payments and demand that you pay the rest of the balance because you broke the arrangement that is the right of the company no matter what the reason is even if you died and your heart broken spouse sent in the payment late it dose not matter and as far as the other thing goes it sounds like you know what that debt is and that it is a legit debt but you want to give them a hard time but that dose not change the fact that they should send out information that you request but if there is a real doubt in your mind you can follow the account form the original creditor call them and ask where your debt is but all collection agency have to send out a initial letter that states what thy are contacting you about and the mini maranda and if the debt is not valid you have 30 days to dispute that with them in writing. oh and when you say that we are all trying to make it out hear keep in mind that when a collector calls they are getting payed for collecting your bad debt so by you not taking care of your finical oblations with that collector you are taking food out of there mouth just like you feel they are but the one thing that different is that collectors are doing a job the debtor not paying for lines of credit or services that they received so when you say predators you may want to take a look in the mirror because if you would have fulfilled the oblation that you agreed to you would never have gotten that call so keep that in mind

I agree with Steve on the bankruptcy assessment. Something isn't right about the lady's story. Maybe the company should be contacted and asked their side of the story. I read somewhere on this site that a lot of these people making complaints have the mentality of children. I think I have to agree.

"Brandywine127", I think before you jump on people you take the advice given as constructive. You need to relax a bit, and get off the defensive.

If your company really filed for bankruptcy protection they were not allowed to attempt collections during the bankruptcy proceedings. Since you were paying them while your company was undergoing bankruptcy, I have to assume that either your company didn't list that particular debt in your bankruptcy filing or that the bankruptcy court ordered your company to pay XX amount on that debt. The other possibility is that your company didn't file for bankruptcy. You write about your company filing for bankruptcy protection. I have to assume that since this is a COMPANY declaring bankruptcy, your company had an attorney handling the bankruptcy for you. Your company attorney should have put NCO in its place and possibly sued them for violating federal and NY state bankruptcy laws. Something about this report just DOESN'T make sense.

these people were giving you advise and you bash them for no reason???? Good luck you are gonna need it with your attitude

first off. we had to file bankrupcy because our three large main accounts went bancrupt and owed us 250000 dollars. so hmm wouldnt ya think without that amount of money that it would be hard to stay in business. 2nd, to the second and third commentors, im assuming you work for nco or know someone who does which is why you defend them so. do some freaking research, view how many complaints there are out there for these jerks. third, The payment was not sent out late, they stated it got to them late. I sent them above an beyond for an account that was long closed. And it turns out we ended up having a credit for the company so really nco got free money. They badgered and harassed me for a closed paid account. Im also guessing you commentors sit at your computer all day long and look for people to badger yourselves because you have nothing better to do in your life. You've never been through hard times yourself? Hahahaha I find that hard to believe. Try building up a very successful company and then having your 40 years of hard work come crashing down because you were owed a ton of money from bankrupt companies who made alot of promises. When all was said and done from the courts for those companies, they had no money to give so we were out the money. Id like to see you all try to make ends meet when you were counting on that sum of money. Before you accuse someone, know your facts. not everyone has a perfect life. Weve since pulled things together and made good on what we had. Go back to the black hole you crawled out of, not everyone is out to pull one over on others. Theres good people out there who get taken advantage of!!!

Never speak to any third party debt collector aka: bottomfeeder on the phone. Never pay a third party debt collector. Never ever even mention a payment arrangement, offer, or agreemnent to pay! STAY OFF THE PHONE! Always make them sue you. Most won't. You made your own problems here. No ripoff.

Never speak to any third party debt collector aka: bottomfeeder on the phone. Never pay a third party debt collector. Never ever even mention a payment arrangement, offer, or agreemnent to pay! STAY OFF THE PHONE! Always make them sue you. Most won't. You made your own problems here. No ripoff.

Never speak to any third party debt collector aka: bottomfeeder on the phone. Never pay a third party debt collector. Never ever even mention a payment arrangement, offer, or agreemnent to pay! STAY OFF THE PHONE! Always make them sue you. Most won't. You made your own problems here. No ripoff.

Never speak to any third party debt collector aka: bottomfeeder on the phone. Never pay a third party debt collector. Never ever even mention a payment arrangement, offer, or agreemnent to pay! STAY OFF THE PHONE! Always make them sue you. Most won't. You made your own problems here. No ripoff.

First of all, regarding the second accounts, Brandywine127 your business went under so obviously your company couldn't pay its bills & yes why are they going to keep sending letters to you each time?! You need to pay your bill....no I'm not in collection but you've got to be kidding me! Your company had the service and you're not paying?! Well then don't use the service if you don't intend on paying for it! Yes they are right further collections are going to be taken against you because you refuse to pay the billl..duh. About the first account...that is just strange! I'm not even sure why you would send payment late if you had an arrangement and I'm guessing they are requesting the full balance because you broke the agreement by mailing the last payment late...well sir that does happen with collection agencies....so...I'm guessing that is why they call you. You say, Brandywine, they are unbelievable (and I don't even work for them)...well you shouldn't have bills for a company that you can't pay. It's plain and simple sir..so stop complaining about not paying your bills.

Why did you stay on the phone with them so long? If they don't have the proof, hang up on them. Why persist in talking with them, if they were not giving you the proof?