Complaint Review: NCO Group - Horsham Pennsylvania

I'm a previous employee of NCO. In the fall of 2007, the comapny institued a policy that if a debtor/consumer makes a verbal request to cease all calls or cease and desist, collectors were preventing from calling. By you advising NCO to cease collection efforts, they may have violated the FDCPA by not complying with your request. Please review my article under "NCO Financial Systems Collection, Agency, Violations, Fair Debt Collections Practices Act, Texas, lawsuit, class action Horsham Pennsylvania". You are not alone as many consumers across the country are experiencing the same illegal collection practices. Please feel free to contact me through the site should you wish to proceed. You need to document the times they call and keep a complete record of all contact you have made with them. It appears your rights were violated based on the statutes of the FDCPA and NCO may be subject to fines totalling at least $1,000 per incident. In the end, you may end up collecting from them.

No one is immune to the Statute of Limitations, so you're right when you say they "make that up." Furthermore, when a debt collector makes a comment like, "The Statute of Limitations doesn't apply to us," or "The Statute of Limitations hasn't expired yet," they are practicing law without a license, which is a crime in most, if not all states. One thing you should be conscious of with ALL debt collectors, not just NCO, is that they routinely violate laws against practicing law without a license. I just recently had a representative of one collection company, SIMM Associates, call my parents house and left a message on their machine. In the message, the representative referred to himself as an "arbitrator," referred to me as the "defendant," and to his client the "plaintiff." In this one short message, he managed to violate 14 different sections of the Fair Debt Collection Practices Act (FDCPA) as well as Florida Laws. Among the violations were the following: 1. Practicing law without a license; 2. Misrepresenting himself as an officer of the court; 3. Misrepresenting himself as associated with an attorney or court; 4. Misrepresenting that a lawsuit had been filed; 5. Misrepresenting that his client intended to take legal action, where no such intent actually existed. (NOTE: It is illegal for a debt collector to threaten to take legal action when no ACTUAL intent to take such action exists). 6. Invasion of Privacy (by communicating with my parents, and misrepresenting and advertising to my parents that legal action had been taken, when in fact it had not). 7. Threatening to take legal action where no such authority to do so existed. The above is merely icing on the cake. Needless to say, it is important to know your rights as a debtor. Learn the FDCPA. Know it inside out. Use it to your advantage in these situations.

They were fined a couple of million 2-3 years back by their states Attorney Generals office. So you'd think they'd be even more careful. But guess shaking cash out of peoples pockets is very profitable. Yea I had a debt, nothing that I was proud of, but after 20 years there's something called statute of limitations. But debt collectors like NCO will make stuff up like they're immune to that law.

Calling NCO criminals would be an understatement.On rip-off report alone they have so many complaints against them,it would take a week to read them all.Are there no regulations anymore against the most criminal companies that do nothing but victimize innocent people?--Half of the year I reside in the United Kingdom.NCO would be shut down by the British government withing a week if they even tried doing business.The United States "used" to regulate and punish crooked businesses-what happenned?I must say it is quite pathetic.

You should send NCO a demand letter. In the demand letter, you should first briefly state the facts. Second, you should advise them that their conduct is in violation of the federal "Fair Debt Collection Practices Act" (FDCPA) and that they are fraudulently attempting to collect a debt that they know is invalid/paid. Third, you should inform them that, unless they cease and desist all fraudulent collection activities, you will take legal action including but not limited to, seeking actual damages, statutory damages ($1,000.00) per violation of the FDCPA, attorney's fees and costs of filing suit, and filing of formal complaints with the Federal Trade Commission (FTC). Send the demand letter via certified mail return receipt requested, and by fax, and I guarantee you that will be the last you hear from them. If NCO does try to continue their fraudulent collection activities, sue them. Collection companies, in general, do NOT want to get sued or reported to the FTC. They are highly regulated and if they have enough complaints lodged against them, they can be shut down by the federal government. Trust me, they do not want this. They WILL listen to you. Furthermore, you should keep a detailed log of all past, present and future correspondence with NCO; and also log what was said and/or discussed by the representative. Take a look at the FDCPA. You can find it in any law library. Tell the law librarian you need to look at the United States Code, and the citation you are looking for is: 15 U.S.C. 1692. In Section 1692e, the FDCPA outlines conduct by collection agencies that is prohibited. The law permits statutory damages of up to $1,000 per violation. That is why you should keep a detailed log. The more violations they commit, the more you will likely be able to recover from them in the event you have to sue them to compel them to stop. NOTE: I am not an attorney (yet), so please do not consider any of the above to be legal advice. I am speaking based on personal experience.

You should send NCO a demand letter. In the demand letter, you should first briefly state the facts. Second, you should advise them that their conduct is in violation of the federal "Fair Debt Collection Practices Act" (FDCPA) and that they are fraudulently attempting to collect a debt that they know is invalid/paid. Third, you should inform them that, unless they cease and desist all fraudulent collection activities, you will take legal action including but not limited to, seeking actual damages, statutory damages ($1,000.00) per violation of the FDCPA, attorney's fees and costs of filing suit, and filing of formal complaints with the Federal Trade Commission (FTC). Send the demand letter via certified mail return receipt requested, and by fax, and I guarantee you that will be the last you hear from them. If NCO does try to continue their fraudulent collection activities, sue them. Collection companies, in general, do NOT want to get sued or reported to the FTC. They are highly regulated and if they have enough complaints lodged against them, they can be shut down by the federal government. Trust me, they do not want this. They WILL listen to you. Furthermore, you should keep a detailed log of all past, present and future correspondence with NCO; and also log what was said and/or discussed by the representative. Take a look at the FDCPA. You can find it in any law library. Tell the law librarian you need to look at the United States Code, and the citation you are looking for is: 15 U.S.C. 1692. In Section 1692e, the FDCPA outlines conduct by collection agencies that is prohibited. The law permits statutory damages of up to $1,000 per violation. That is why you should keep a detailed log. The more violations they commit, the more you will likely be able to recover from them in the event you have to sue them to compel them to stop. NOTE: I am not an attorney (yet), so please do not consider any of the above to be legal advice. I am speaking based on personal experience.

You should send NCO a demand letter. In the demand letter, you should first briefly state the facts. Second, you should advise them that their conduct is in violation of the federal "Fair Debt Collection Practices Act" (FDCPA) and that they are fraudulently attempting to collect a debt that they know is invalid/paid. Third, you should inform them that, unless they cease and desist all fraudulent collection activities, you will take legal action including but not limited to, seeking actual damages, statutory damages ($1,000.00) per violation of the FDCPA, attorney's fees and costs of filing suit, and filing of formal complaints with the Federal Trade Commission (FTC). Send the demand letter via certified mail return receipt requested, and by fax, and I guarantee you that will be the last you hear from them. If NCO does try to continue their fraudulent collection activities, sue them. Collection companies, in general, do NOT want to get sued or reported to the FTC. They are highly regulated and if they have enough complaints lodged against them, they can be shut down by the federal government. Trust me, they do not want this. They WILL listen to you. Furthermore, you should keep a detailed log of all past, present and future correspondence with NCO; and also log what was said and/or discussed by the representative. Take a look at the FDCPA. You can find it in any law library. Tell the law librarian you need to look at the United States Code, and the citation you are looking for is: 15 U.S.C. 1692. In Section 1692e, the FDCPA outlines conduct by collection agencies that is prohibited. The law permits statutory damages of up to $1,000 per violation. That is why you should keep a detailed log. The more violations they commit, the more you will likely be able to recover from them in the event you have to sue them to compel them to stop. NOTE: I am not an attorney (yet), so please do not consider any of the above to be legal advice. I am speaking based on personal experience.