Welcome Anonymous
NCO collection agency is threatening me. How to stop them?
Hi all. I have been gone for awhile trying to straighten out my messes financially and having to start home schooling my oldest son. Anyway. my boyfriend had two Capitol One cards which we were making payments on up until about two months ago. We were just getting ready to send out a payment this week again to them when we got a call on Saturday from a guy claiming to be from a lawyer's office representing Capitol One. He said his name was Mr. Kalogeras and that he was from the Attorney Network, phone number 866-742-5318. He wanted to set up immediate payments ..... you know the way they work .... no payment plans .... pay in full or it goes to court etc., So now an acount which currently has a balance of about $4,000 has gone up by $2,400 - for their fees - BUT if we make the agreement with them immediately they will knock of 25% of the original debt owed to Capitol One("which we don't have to do". We told them that if we had that kind of money we would have paid them already. I asked if they had sent us any documentation sayinfg that they owned the account because as of the April statement it still said that Capitol One owned the account and nothing of it being turned over to anyone for collection. He said they are representing Capitol One ...yada yada. So I said well I have nothing in writing... etc. THEN he said he could do 3 payments of $1,000 each and trake that as settlement. Again we said if we had that money we would have paid Capitol One already. Finally he agreed that I should call Capitol One and speak to them but they will not be willing to work anything out with us. Remarkably when we did call them, they knew who my boyfriend was right away and that they were waiting for his call??? We offered to pay no less than $25 a week but the man he spoke to there said that they would not stop the fees and that the interest fees were over $150 a month alone. Actually the late fee is $35 and the interest is only $76. But he did not say he would not make an arrangement.
So today we went to call back Mr Kaligeras and see if we could set arrangements for $200 per month minimum. SURPRISE when the call went through it said "Thank you for calling NCO Services" So I hung up and started writing here.
First of all, we have to have something in writing correct? Secondly, calling and while he did not say that he himself was a lawyer he claimed to be from the Attorney Network - allowing me to believe that he was indeed from a lawyers office or a lawyer himself, isn't there something illegal about that? We want to pay the debt off but we just can't pay it all at once. As of today we have not gotten anything from the in writing saying that the account has been turned over to a collection or Lawyer. Help please.
So today we went to call back Mr Kaligeras and see if we could set arrangements for $200 per month minimum. SURPRISE when the call went through it said "Thank you for calling NCO Services" So I hung up and started writing here.
First of all, we have to have something in writing correct? Secondly, calling and while he did not say that he himself was a lawyer he claimed to be from the Attorney Network - allowing me to believe that he was indeed from a lawyers office or a lawyer himself, isn't there something illegal about that? We want to pay the debt off but we just can't pay it all at once. As of today we have not gotten anything from the in writing saying that the account has been turned over to a collection or Lawyer. Help please.
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