national enterprise systems

Mlm, when you say that the account is included in your Chapter 13, does that mean that the creditor was notified of your BK filing? If so, then they have violated the automatic stay that is designed to protect you from further collection attempts. Since it's a Chapter 13, I would think that you have an attorney? You should give a copy of that letter to your attorney so that he or she can deal with National Enterprise Systems.

How they got your mom's address is a good question, but they seem to have their ways . . .

Alias,

Yes, I have an attorney for my ch 13. I did give them the letter that National Enterprise sent me. They are trying to be slick because, when I first filed, allied interstate had the debt. In a ch 13, a creditor has 90 days to file a claim from the date my case was filed in order to be paid. Well, Allied Interstate did not file a claim so the debt is considered discharged because no claim was filed. A year and a half later, National Enterprise is trying to collect on the same debt, which they can't do because it is considered discharged because Allied didn't file a claim. I guess maybe they think I'm stuck on stupid and would give in and pay them, but their wrong. I gave a copy of this letter to my attorney and the bankruptcy trustee so they can handle it. It just has me puzzled, because I'm wondering how they got my mother's address.

Mlm, I'm glad that your attorney and the trustee are taking care of it!

Ane yes, it certainly is a mystery about your mom's address. Did she purchase a new home? If so, they may have done a search of property records.

I have never encoutered ANYTHING like this in my life . This woman ( allegidly Mrs. Moore , ext. 1018 ) was screaming at me , insulting me, and threatining me.

She has been calling me for 3 days all day long , she wouldnt let me get in one word. She told me she was a lawyer which is obviously untrue. She tolf me she was noting "refusel to pay", which is also not true, unless I paid in full immedaitly, SCREAMING , i mean reallyyyy screaming.

She said a payment plan was out of the questions and demanded my banking info, which of course was not going to happen. She threatned to have someone come to my workplace. I finally called back and got a "compliance supervisor " I told her I was on a recorded line, she gave me a complaint reference #, and I will be filing a formal complaint, even though I have a feeling the compliance dept does not exist.... but I checked my account online and it actually let me make a payment to Macys , so I did, Thank God I was able to do that.... this was yesterday ,

When i explained i was personally dealing with Macys NES compliance dept. said they put my case "on hold", i guess to see if money was really going to be paid...

I want to file a CLASS ACTION LAWSUIT . Can anyone advise me if this is possible? Mia New York, New York

Laura....were you really on a recorded line? Can you get a copy of the recording? Forget class-action....you have a case against both the CA and the OC. OC's can be held liable for the actions of a 3rd party collector they contract with. If you have the documentation. Granted, it's only up to $1000 per action for fdcpa violations, but the message it sends.....

I just had a shouting match with these people today. They threatend legal action, brought up bills of mine that have nothing to do with them, brought up my credit situation, told me I never pay my bills and were down right condisending and rude to me. I tried to make other arrangements with them, but no matter what I said, they would not accept it. They are constantly harrassing me at home and at work. I want it to stop, and I dont know what to do. I refuse to give them any of my checking information. I asked to speak to a supervisor and the lady said she was the supervisor...I highly doubt that. They kept making references to how poorly I pay my bills. I told them that I was filing bankruptcy and she told me that would be in my best interest because all I have is tarnished credit. I want to pay this debt, but I cannot afford the amount they want. They kept twisting my words...I dont know what to do anymore....

I just had a shouting match with these people today. They threatend legal action, brought up bills of mine that have nothing to do with them, brought up my credit situation, told me I never pay my bills and were down right condisending and rude to me. I tried to make other arrangements with them, but no matter what I said, they would not accept it. They are constantly harrassing me at home and at work. I want it to stop, and I dont know what to do. I refuse to give them any of my checking information. I asked to speak to a supervisor and the lady said she was the supervisor...I highly doubt that. They kept making references to how poorly I pay my bills. I told them that I was filing bankruptcy and she told me that would be in my best interest because all I have is tarnished credit. I want to pay this debt, but I cannot afford the amount they want. They kept twisting my words...I dont know what to do anymore....

If you are filing BK, don't talk to them. I'd change my phone number if you can.

I have Been harassed by this company telling me that i have to pay the amount in full by mid November or else they are going to take legal actions and send judgment papers to my home. They have my wife worried every time someone comes to the door that they are trying to serve us papers which i know they have no legal right by just being a collections agency. The origanal creditor has to file to suite with the local debt collections office. I am in utah. I know i live in a state where i can record a phone conversation with 1 party consent. I am with any one that has enough information to take this ignorant SOBS down to size. We need people to stand up for their dignity. We need not to let these SOBS walk all over us. They are cowards. i was told to forget about all my other bills they wont sue me but they are down and determine to do so. I say bring on the Blazing guns . Lets fight fire with fire.

I spoke to a "Bob Thompson," I've found another web site with complaints about him. Rude and wouldn't give me info. So, I hung up on him. They bought a company that bought it from CIT, which had an account of mine. I am in the process of filing chptr. 13 and they were given my attry info before.

if you already gave them your attorney's info, then they are breaking the law by continuing to call you and harass you. The only way the law allows them to continue calling you is if they have tried to contact the attorney but have not been able to.....better look into the FDCPA violation there, it's worth up to $1000 in your pocket...

THEY DID THE SAME THING TO ME. DEMANDED 2 PAYMENTS ON ALMOST 8000 DOLLARS OR FURTHER LEGAL ACTION WOULD PERSUE.

HE SAID PAPERS WERE ALREADY FILED TO SUE. THEN WHAT THE FOCK WAS HE CALLING FOR LMAO!!!! SCAM