Complaint Review: NCO Financial Systems - Horsham Pennsylvania

I refuse to be stacys next victim. If she has hurt people in the past It will catch up with her like It does everyone else. I have a right to comment just like her & everyone else does, they don't have the right to tell me what to do!.

I don't have to keep queit. I really don't care If people hate me. I do not have to put up being lied about taken advantage of or done wrong, of course stacy has to run her mouth & put her 2 cents In. News flash stacy I am not some animal ya'll can abuse I am not some piece of trash ya'll can just throw away I am a human being I hope some treats you with utter disrespect just like how people have done to me!. I wasn't born for people to abuse or thrown around has some piece of trash!. People try to destroy my life but It doesn't work. This Is how republicans treat people they abuse people. I always come out ahead no matter how much mud people sling @ me, If people don't understand that It Is a figure of speech. People who think they have It all think they can put other people down I don't care who don't defend me but I will not keep quiet!. Why should I show respect towards the people who are abusing me!.

I don't have to keep queit. I really don't care If people hate me. I do not have to put up being lied about taken advantage of or done wrong, of course stacy has to run her mouth & put her 2 cents In. News flash stacy I am not some animal ya'll can abuse I am not some piece of trash ya'll can just throw away I am a human being I hope some treats you with utter disrespect just like how people have done to me!. I wasn't born for people to abuse or thrown around has some piece of trash!. People try to destroy my life but It doesn't work. This Is how republicans treat people they abuse people. I always come out ahead no matter how much mud people sling @ me, If people don't understand that It Is a figure of speech. People who think they have It all think they can put other people down I don't care who don't defend me but I will not keep quiet!. Why should I show respect towards the people who are abusing me!.

I don't have to keep queit. I really don't care If people hate me. I do not have to put up being lied about taken advantage of or done wrong, of course stacy has to run her mouth & put her 2 cents In. News flash stacy I am not some animal ya'll can abuse I am not some piece of trash ya'll can just throw away I am a human being I hope some treats you with utter disrespect just like how people have done to me!. I wasn't born for people to abuse or thrown around has some piece of trash!. People try to destroy my life but It doesn't work. This Is how republicans treat people they abuse people. I always come out ahead no matter how much mud people sling @ me, If people don't understand that It Is a figure of speech. People who think they have It all think they can put other people down I don't care who don't defend me but I will not keep quiet!. Why should I show respect towards the people who are abusing me!.

I don't have to keep queit. I really don't care If people hate me. I do not have to put up being lied about taken advantage of or done wrong, of course stacy has to run her mouth & put her 2 cents In. News flash stacy I am not some animal ya'll can abuse I am not some piece of trash ya'll can just throw away I am a human being I hope some treats you with utter disrespect just like how people have done to me!. I wasn't born for people to abuse or thrown around has some piece of trash!. People try to destroy my life but It doesn't work. This Is how republicans treat people they abuse people. I always come out ahead no matter how much mud people sling @ me, If people don't understand that It Is a figure of speech. People who think they have It all think they can put other people down I don't care who don't defend me but I will not keep quiet!. Why should I show respect towards the people who are abusing me!.

NCO is one of the worst third party collection agencies They tried to collect a debt from me from the company I worked for and their answer was sorry to bother you Please my Attorney eats people like for breakfast - get a REAL JOB! Send these idiots a letter asking for validation on the debt certified mail and make copies of everything and to Charles - you need to keep your trap shut

""I HATE defending debt collectors.....but...if they are not able to reach you by phone...then they are allowed per the FDCPA (within reason) to leave call-back messages with third-parties."" Oh really? And just where in the FDCPA is that written? FYI ANY 3rd party debt collectors that leave voice mails or messages on an answering machines do so at their PERIL. The precedent has been set thanks to several federal court rulings. If they identify themselves they face a possible violation for 3rd party disclosure and if the do not identify themselves and that the call is an attempt to collect a debt they face a violation of that as well. It is a NO WIN for any debt collector to leave a voice message/answering machine message. ""They cannot discuss why they are calling and they certainly cannot discuss your debt issues..."" They MUST identify themselves and state that the call is an attempt to collect a debt (also known as the "mini-miranda"). If they fail to identify themselves that is a violation as well. It's a "catch 22" for any debt collector to leave a message on a machine. ""As long as you can't be reached by phone then they are entitled to leave call-back messages."" They do so at their PERIL.

""I HATE defending debt collectors.....but...if they are not able to reach you by phone...then they are allowed per the FDCPA (within reason) to leave call-back messages with third-parties."" Oh really? And just where in the FDCPA is that written? FYI ANY 3rd party debt collectors that leave voice mails or messages on an answering machines do so at their PERIL. The precedent has been set thanks to several federal court rulings. If they identify themselves they face a possible violation for 3rd party disclosure and if the do not identify themselves and that the call is an attempt to collect a debt they face a violation of that as well. It is a NO WIN for any debt collector to leave a voice message/answering machine message. ""They cannot discuss why they are calling and they certainly cannot discuss your debt issues..."" They MUST identify themselves and state that the call is an attempt to collect a debt (also known as the "mini-miranda"). If they fail to identify themselves that is a violation as well. It's a "catch 22" for any debt collector to leave a message on a machine. ""As long as you can't be reached by phone then they are entitled to leave call-back messages."" They do so at their PERIL.

""I HATE defending debt collectors.....but...if they are not able to reach you by phone...then they are allowed per the FDCPA (within reason) to leave call-back messages with third-parties."" Oh really? And just where in the FDCPA is that written? FYI ANY 3rd party debt collectors that leave voice mails or messages on an answering machines do so at their PERIL. The precedent has been set thanks to several federal court rulings. If they identify themselves they face a possible violation for 3rd party disclosure and if the do not identify themselves and that the call is an attempt to collect a debt they face a violation of that as well. It is a NO WIN for any debt collector to leave a voice message/answering machine message. ""They cannot discuss why they are calling and they certainly cannot discuss your debt issues..."" They MUST identify themselves and state that the call is an attempt to collect a debt (also known as the "mini-miranda"). If they fail to identify themselves that is a violation as well. It's a "catch 22" for any debt collector to leave a message on a machine. ""As long as you can't be reached by phone then they are entitled to leave call-back messages."" They do so at their PERIL.

""I HATE defending debt collectors.....but...if they are not able to reach you by phone...then they are allowed per the FDCPA (within reason) to leave call-back messages with third-parties."" Oh really? And just where in the FDCPA is that written? FYI ANY 3rd party debt collectors that leave voice mails or messages on an answering machines do so at their PERIL. The precedent has been set thanks to several federal court rulings. If they identify themselves they face a possible violation for 3rd party disclosure and if the do not identify themselves and that the call is an attempt to collect a debt they face a violation of that as well. It is a NO WIN for any debt collector to leave a voice message/answering machine message. ""They cannot discuss why they are calling and they certainly cannot discuss your debt issues..."" They MUST identify themselves and state that the call is an attempt to collect a debt (also known as the "mini-miranda"). If they fail to identify themselves that is a violation as well. It's a "catch 22" for any debt collector to leave a message on a machine. ""As long as you can't be reached by phone then they are entitled to leave call-back messages."" They do so at their PERIL.

I HATE defending debt collectors.....but...if they are not able to reach you by phone...then they are allowed per the FDCPA (within reason) to leave call-back messages with third-parties. They cannot discuss why they are calling and they certainly cannot discuss your debt issues... As long as you can't be reached by phone then they are entitled to leave call-back messages.

It never fails that the "just pay your bills" drone will pop in and contribute uneducated drivel. FYI...By the time NCO gets an account it is usually very old and usually past the legal SOL for collections. Most of the time, an NCO collection account cannot even be validated. All third party collectors and agencies are scum and should never be paid or even communicated with except to send a CEASE COMMUNICATIONS request. >>> Submitted: 9/16/2008 1:54:33 PM Modified: 9/16/2008 10:55:07 PM Normalbur Norwell, Massachusetts U.S.A. Pay your bills I have a novel suggestion that could help you to solve your problems: Pay the bill! It seems to me that if you put 1/2 as much energy into resolving your bills as you put into avoiding them you would not only solve your problem but improve your credit. It's so easy to consider the collection agency as the money grubbing enemy. But trust me the agents and management of the collection agency are people just like you and just want to get things resolved, they aren't evil. The collection industry is very important to our economy and actually save jobs and reduce consumer costs. Nothing bad is going to happen to you if you call back and try to resolve the account, trust me. >>>

Believe me these collection agencies will have there day. They will get theres & be for all the crap they have put us threw during these economy hardtimes. We have enough to worry about the last thing we need Is these collectors scum giving us a hardtime & harassing us. They know we can't pay but they don't care we barely make it paying the house payment & car payment & paying all the utilities & food bills. But all these scum care about Is money.

I have a novel suggestion that could help you to solve your problems: Pay the bill! It seems to me that if you put 1/2 as much energy into resolving your bills as you put into avoiding them you would not only solve your problem but improve your credit. It's so easy to consider the collection agency as the money grubbing enemy. But trust me the agents and management of the collection agency are people just like you and just want to get things resolved, they aren't evil. The collection industry is very important to our economy and actually save jobs and reduce consumer costs. Nothing bad is going to happen to you if you call back and try to resolve the account, trust me.

That is a big gray area, as even if the number is known to be the debtors home number or one that has been used, they do not know who else lives in the house. What about a roommate? What about 2 or 3 roommates? If they are sharing the same phone, that call is now in violation of the FDCPA and some state laws, as many state laws set higher privacy standards than the FDCPA. Also, they should just stick to the standard message of "Please call xxx at NCO Financial at xxx-xxxx" or something generic like that. I think all phone calls from third party debt collectors should be stopped. EVERYTHING should be required to be in writing. The abuses would then stop, and so would the OOS collections attempts. I also think that every debt being collected on should be fully validated before the first contact with the debtor. The alleged debtor should never have to spend time and money proving they don't owe a debt.

That is a big gray area, as even if the number is known to be the debtors home number or one that has been used, they do not know who else lives in the house. What about a roommate? What about 2 or 3 roommates? If they are sharing the same phone, that call is now in violation of the FDCPA and some state laws, as many state laws set higher privacy standards than the FDCPA. Also, they should just stick to the standard message of "Please call xxx at NCO Financial at xxx-xxxx" or something generic like that. I think all phone calls from third party debt collectors should be stopped. EVERYTHING should be required to be in writing. The abuses would then stop, and so would the OOS collections attempts. I also think that every debt being collected on should be fully validated before the first contact with the debtor. The alleged debtor should never have to spend time and money proving they don't owe a debt.

That is a big gray area, as even if the number is known to be the debtors home number or one that has been used, they do not know who else lives in the house. What about a roommate? What about 2 or 3 roommates? If they are sharing the same phone, that call is now in violation of the FDCPA and some state laws, as many state laws set higher privacy standards than the FDCPA. Also, they should just stick to the standard message of "Please call xxx at NCO Financial at xxx-xxxx" or something generic like that. I think all phone calls from third party debt collectors should be stopped. EVERYTHING should be required to be in writing. The abuses would then stop, and so would the OOS collections attempts. I also think that every debt being collected on should be fully validated before the first contact with the debtor. The alleged debtor should never have to spend time and money proving they don't owe a debt.

That is a big gray area, as even if the number is known to be the debtors home number or one that has been used, they do not know who else lives in the house. What about a roommate? What about 2 or 3 roommates? If they are sharing the same phone, that call is now in violation of the FDCPA and some state laws, as many state laws set higher privacy standards than the FDCPA. Also, they should just stick to the standard message of "Please call xxx at NCO Financial at xxx-xxxx" or something generic like that. I think all phone calls from third party debt collectors should be stopped. EVERYTHING should be required to be in writing. The abuses would then stop, and so would the OOS collections attempts. I also think that every debt being collected on should be fully validated before the first contact with the debtor. The alleged debtor should never have to spend time and money proving they don't owe a debt.

I am sure Steve will respond to this but I will try and explain based on what we were trained to do. We were trained to leave the message such as the one that you described as of Columbus Day, this year. We were also told only to leave it a number than can be confirmed as the home number. Confirmation of this is something like it was the original number on the application (assuming this is a credit card), or a number found on your credit burreau report (which they have), or maybe if someone (like one of the relatives you say they have called) says you can be reached there. I believe that there have been at least 5 court cases like this, the one I saw quoted on another site is Foti vs NCO. Foti was claiming that he did not know that it was a collection agency was calling for him becuase they only left a case number and phone number. NCO claimed that the FDCPA said they could only leave that info. The judges have found that if it can be verified as a home phone number, they can leave the message you quoted. They have to include the Mini-Miranda script. While I am sure this will be challenged in higher courts, the agency has done nothing illegal. Not all agencies are using that message, as I am sure they are awaiting the legal challenge.

I must correct myself on having no information on anything with them. I just checked through all of the papers I have to for creditors and debt collectors. I did find two that are from NCO. One that I did not send a cease communications letter to is from 4-30-2006 and the latest I have received is that the account is now with "Universal Fidelity LP" (letter from them dated 9-20-2006). The other I have from NCO is with another account and it's showing that I sent a cease communication July 2006. (I did accidentally sign it but I noticed all of the letters I sent to places were certified...I have not received anything from NCO since except for some recent phone calls). The address with both is also showing Virginia Beach, VA. I put PA in the subject since that's the only address listed on their website. The strange thing is that it shows that it's from Capital One originally and I have the account number but I have NO records of it at all except for what is on my report with the 3 credit companies through Truecredit and my reports I recently received in the mail from Equafax and also Transperian in the mail. I have no papers at all showing a bill from the original creditor and I have gone through all of the mail that I have. The account is also showing as closed 08/2006 as a write off and considered a loss by the creditor so I find it a bit strange that I have something from NCO before that was even done.