J
Lakewood,#2Consumer 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,#3Consumer 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,#4Author 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,#5Consumer 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,#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.