[bluemtngirl]

Does anyone know about this agency? American Express Corporate card has passed my account to them. Does anyone have an address or fax so I can ask them to stop contacting me at work? Also, are they allowed to speak to third parties about this account?

[david]

NCO financial has been heavily fined for their illegal debt collection practices. Read this thread below and get some helpful tips on how to deal with them.

http://www.debtconsolidationcare.com.../ncogroup.html

You can search for the company at the BBB website and locate the one you are looking for.

Any collection agency is allowed to contact a third party only to locate you for once or if requested by them. But in any case, your debt account should not be discussed with them. You must take legal counsel if the company is openly discussing your accounts with third parties.

NCO Finacial Systems
PO Box 41457
Philadelphia, Pa. 19101-1457

I was trying to find information about my balance online and I came across your question. I have an invoice from them with the following information. I hope this helps you. It seems the contact # is only for the person who assisted me with my account.

NCO FINANCIAL SYSTEMS
PO BOX 41457
PHILADELPHIA, PA 19101-1457

The Contact number I have is 1-800-975-2239
The invoice I have also states that they were formerly GREAT LAKES COLLECTION BUREAU INC

Good Luck!!

I refinanced my peoperty. I have a check for a large amount. I am suppose to send it to NCO Fiancial Systems. I don't have a statement or an account number or address. Can you haelp locate these items for me?

Gayle,

The best thing to do would be to call NCO financial and they should be able to pull up your account info and give you your account # and address to send the check.

[mwtx]

I'd do quite a lot of research first. NCO are amongst the number one extortionists in America. If you call them up, ask them exactly why they were given one of the largest fines in Pennsylvania history to a debt collector by the Penn. Attorney General, and why they recently had to close their office in Houston, Texas. You might not even be legally obligated to pay this alleged debt. NCO purchases very old debts for sometimes a penny on the dollar, and they try to extort the face value from you. Check the statute of limitations for your state.

[kbraveboy]

I received 2 letters from NCO about 2 credit card accounts that I have with Capital One. I was working with Roll Law/US Consumer Advocate because I was trying to avoid bankruptcy. Should I try to contact NCO? I think that I may have been kicked out of the program with Roll though, because 2 of my payments bounced.

[john]

Hi kbraveboy

You must first make it clear that NCO has been assigned to collect the debt from you. NCO is required to send you the details of the debt in writing before requesting any payment. If you have not got anything in the mail, send a debt validation letter through certified mail with return receipt requested. Do not send any money until your debt is validated by the collection agency.

[kbraveboy]

Do you have some sort of template for the debt validation letter for me to go by?

[john]

Here is a letter that you can tailor according to your needs.

Date

Your Name

Name and Address
of original creditor

Re: Acct # 000-000-000-000

To Whom It May Concern:

This letter is regarding account # 000-000-000-000, which you claim I owe. This is not a refusal to pay, but a notice that your claim is disputed.

I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting "validation"; that is competent evidence bearing my signature, showing that I have some contractual obligation to pay you.

Please also be aware that any negative mark found on my credit reports from your company or any company that you represent for a debt that I don't owe is a violation of the Fair Credit Reporting Act; therefore if you cannot validate the debt, you must request that all credit reporting agencies delete the entry.

Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.

If you no longer own this debt, remove the derogatory marks from my credit report per the FCRA. Failure to respond within 30 days of receipt of this certified letter will result in legal action against your company. I will be seeking a minimum of $5,000 in damages for:
1. Defamation
2. Negligent Enablement of Identity Fraud
3. Violation of the Fair Credit Reporting Act

For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.

Best regards,

(insert your name)

Cc: (Insert a lawyer's name here), Esquire

It is your legal right to dispute any item on your credit report, for any reason. If documented proof that discredits your dispute isn't provided within 30 days, it MUST be removed by law. This is why it is so important to send the dispute form via certified mail. Not only to insure its delivery, but to have documented time of when it was sent.

NCO is claiming $1059.26 for a Citibank bill they claim I owe. It must be very old as I don't remember what happened. What is the stat of limitation in CA, why wasn't this shown as outstanding and paid off with my 3 re-fi's? They offered a settlement - $423.70 - I'd appreciate your efforts. Sincerely, Bonnie West

[john]

The Statutes of Limitations in California expire after 4 years on written agreements and after 2 years on oral contracts. Make sure that you last paid on this account before the stated period in case you are considering the SOL factor.

If your debt is past the statutes, you can send a letter to NCO notifying the expiry. Send your letter through certified mail with return receipt requested. After the company has received your letter, they must stop all collection attempts.

Do not make a payment unless you are interested in paying it off and improve your file. The debt will come within the statutes upon a single payment and if you default, the company will enforce all sorts of actions for recovering the amount.

[BB79]

Does anyone here know how the SOL works? I'm curious because I have changed my state of residence several times over the last few years. The account I have in question first was opened in the state of michigan, then I moved to New York for awhile, and now I live in the state of California. I have almost been here for 2 years now. Which state's SOL laws do I use?

[david]

Hi BB79

You will consider the SOL of Michigan only and know the date of last payment activity in your account. The statutes in Michigan expire after 6 years from the date you last paid on this account.

If the debt is past the statutes, you will be under no legal obligation to pay it. You have to notify the credit company in writing and cover your basis.

[SHbear]

My husband got a call from some one at NCO yesterday asking for him specifically. When he said he was him, they asked him for his birthdate. He told them that he doesn't give out any personal information until he knows what the call is about. The guy kept saying it was a personal business matter and asking for his birthdate. My husband again told him NO. Then he told the guy to put the information in writing. The guy at NCO hung up on him. Is this some of their illegal practices asking folks to give their personal information before they discuss what they are calling about?