NCO Group to Pay Largest FCRA Civil Penalty to Date

NCO was calling me like crazy quite a while back. i mean crazy!! every hour of almost every day between 8am-8pm and sometimes more often. unfortunately this was before i educated myself on the laws regarding collection practices!! good riddance NCO!

I have 1-800-685-4343

nco has been assigned a caputal one account i allegedly have..is this why maybe..they don't show up on my cr? shameful nco. just when i thought jdb and ca were honest sincere liegitamit people...lol...serves em right they deserve a bigger fine....how about them record profit nco???

It is to NCO Financial Systems in Metairie, LA. The General Manager is Janice Prange. The Division Manager is Terri Walters (she's fun!), Supervisors are Chris Dufour and Dwanz Wilkerson. If you call them, be sure to record the call-tell them you are doing it too.

Not a big fan of these guys, but this hit them where it hurts.. the money they pursue at any cost to attain.

If you were an attorney who knew the industry, it just seems like you could make a killing off of the settlements from FCRA and FDCPA violations that are just running rampant. Just tell people to start recording their calls and only disclose that to the collector at the very end of the call, so they can record for evidence all the ridiculous things these people say in an attempt to earn a few bucks to buy their next pack of cigarettes, bump of coke, or bottle of liqour. Most collectors just become driven by the negativity and greed that they breed through the constant harassing phone calls, the deception, lies, and playing off people's fears, emotions, and even family members.
---*end rant.

This is VERY bad advice and could actually lead to someone getting themselves into legal trouble!

DO NOT EVER record a call without announcing at the START of the call that you are doing so--well, at least, dont do that if you are in an all-party state. One-party states do not require you to even mention it, and I record these calls without saying a word. But if your state requires that all parties consent to a recording, anything that you record before you inform them is NOT ADMISSABLE IN COURT anyways. If you were to record a call in an all-party state, and then tell them youre recording, and they say "you dont have my permission to record", then you have just illegally recorded a phone call.

Only if you don't hang up afterwords. If you notice, I am not advising anyone to actually do that. It was just an idea, a hypothetical situation and I was not advocating people to do it. I said if you were a lawyer, it seems like you could get cases this way. But I am not, so I didn't know the rule. But there have been plenty of times where I have told a collector the call is being recorded later in the conversation.

I'm sure you could still record calls with them violating, if you are supposed to tell them in the beginning, because alot of them just assume that individuals are saying that but not actually recording the call.

I'm sorry you were concerned about very bad advice as I am not advising anyone, and was just musing.

ok, so youre musing....do you realize that when you post something like that, that someone who doesnt know any better just might think it is ok to do that?? You need to be a bit more careful when posting things like that...

Dont quote the law if you dont know it. FDCPA sets guidelines, but its up to the states if they make the rules more strict. Some states they can call you daily, but some they cant. Some states they have 30 seconds to ID who they are and why they are calling. Dont get me wrong, NCO is very illegal. Anytime you speak with somebody get their name, location and call back number, also keep a record of date and time. File complaints with your states AG if they break the law. Get an attorney to file an attorney demand letter. I know you think, "what good is that?" It does lots of good-not only will you get paid, but the COLLECTOR has to pay a portion of the demand. If it hits them in the pocket book maybe they will think twice before breaking the law.