merchants credit guide and nco

I'm confused . . . . Are you saying someone is trying to get you to pay a bill for your decesed father in law?

merchants credit guide co
executive offices
223w jackson blvd
chicago illinois 60606
telephone 18882491033
ken hughes
client nco portofolio management,inc
"you are previously notified that we represent the above client(NCO)MENTIONED ABOVE.WE ARE ABLE TO OFFER YOU ONE OF THREE(3)repaymentsplans listed below to settle this OBLIGATION."
I TOLD THEM AND MY HUSBAND TOO THAT EDUARDO B.ALVAREZ
NEVER LIVE HERE.EDUARDO ALVAREZ IS WITHOUT A B.

YES,GOUDAH AND THE WORST THING is that my father in
law never have a credit card in his life.my father in law was dead since 1998 and he have not a B IN HIS NAME.WHAT I CAN DO TO STOP THIS PEOPLE TO HARASSED my husband again and stoped to call here?
my husband speaks fluent english and told them is not his father.i think this people from merchants and
nco are very illegal.

funny you say that but NCO was sued by the Federal Trade Commission for $1.5 Million dollars. It is the largest judgement ever against a collection agency for violating the Fair Credit Reporting Act.

It is not funny to be in the shoes of my blind mentally ill husband and is not nice disturb a non debtor.

tsacgiv, if that is not your/your husband's/your deceased father-in-law's debt, send a full cease and desist letter to NCO.

thanks morning star and thanks goudah for send me
a valuable pm with a sample of a cease and desist
letter.many times i think what go to happen with me
and my husband if i had not get the help of the great members of this forum.i read and learn many things in this forum of debt consolidation care and the golden diamonds members are help me all the time with their valuable PM(s)and posts.
thanks!!!!!!
i dont think i deserve to be a member of this forum
and i cannot pay all of a fantastic help that i have
all the time in this forum.
i dont want to empty my email box.i love your pm(s)always with great information and truly feelings of caring for others that really needs help from people like you.i have not a copy machine to copy everything here.i have found a treasure when i found this forum.
i think my husband and me are very rich now because
i found debt consolidation care forum.
the best treasure in life is not a lot of money but
a lot of people that really care about us like a
family.

You are very deserving to be a member of this forum!! We are here to help people, and if no one needed out help than what would we do?

Everyone needs help at some point. Eventually you will learn enough to feel comfortable helping others with their problems.

If your PM box is getting too full and you really want to save the messages, you could always open up a word/text document on your computer, copy the text over, and save it onto your computer. If your PM box gets too full, I beleive you may not recieve all your messages.

Tania, you deserve to be here as much as anyone else! You have such a kind, tender heart for others. You and you family are in my prayers :D Karen

Quote:

Tears were just brought to my eyes! And she is so right, sometimes riches cannot be found in dollars and cents or material things but in one's heart!

thanks everybody for the wonderful words.
the kindeness of the members of this forum is the secret of their prosperity and victories.
thanks everybody for your wonderful words.

Hey, we all have troubles otherwise we wouldn't be here. Can you obtain a copy of the death certificate to certify that your father is dead and he is responsible for the debt?

I am so sorry that you are going through this. This is the reasons why my children won't be Juniors because this same thing happened to my cousin because he had the same name as his dad.

thanks alexandra.the death certificate is a great idea.

tsacgiv, you sound like a wonderful person. I hope you dont think that post by dave2468 was making any fun of you or saying your life was funny, because I don't think it was what his intention was.

thanks guest i think you wonderful person too.
i'm not angry with dave and sometimes i think my
life is very good and funny too but i feel very sorry for my husband's life because he is a wonderful man and
everything in his life is so difficult.

My father died lasted year and I had not spoke with him in over 15 years or saw him, he had never been to my home or my state, but now the same company has been calling 2 or 3 times a day, claiming I????????m him and I need to pay this bill. Sad how a company says you owe money it the god????????s truth (with no proof) and you can do nothing to stop them other than getting a lawyer (spending big money to fight about money you didn????????t owe in the fist place

TODAY YOU RECEIVED A STRANGER CALL HERE.
THE LADY WAS ASKING MY HUSBAND ABOUT BOTH MY HUSBAND'S PARENTS
MY FATHER IN LAW DEAD IN 1998 AND
MY MOTHER IN LAW(2004)AND THESE PEOPLE WAS TELLING MY HUSBAND WAS FROM PASTEUR INSTITUTE.305-817-1675
TODAY RIGHT NOW I RECEIVED A CALL HERE FROM NUMBER 888-249-4134 AND I THINK IS FROM MERCHANTS CREDIT?NCO?
I THINK THEY USE THE NAME OF THE CLINIC PASTEUR TO DO THEIR DIRTY WORK OR THIS CLINIC WORK FOR collection agencies EITHER BECAUSE ALWAYS IS PASTEUR
CLINIC CALLING HERE AND MY HUSBAND SPEAK VERY GOOD ENGLISH AND SPANISH EITHER.
MY HUSBAND TOLD ALREADY A MILLION TIMES MY MOTHER IN LAW IS DEAD.
NOW THEY ASK FOR BOTH HIS PARENTS.
THIS PHONE NUMBER CALL HERE AND I THINK THESE PEOPLE WANT AWAKE UP DEAD PEOPLE TO PAY
BILLS THAT NOT BELONG TO THEM.
1888 249-4134

Evenin' Tania -

888-249-4134 comes back as Merchant's Credit Guide, Chicago.

ripoffreport.com/reports/0/186/RipOff0186012.htm#181993

No details available for 305-817-1675, other than that it's in Miami, FL. Hint: The Pasteur Institute is in France!...

THANKS UNCLEWULF.
MERCHANT CREDIT GUIDE IS ASKING FOR DEAD PEOPLE ALL THE TIME HERE.
THE WORST THING ABOUT THESE BAD CALLERS FROM MERCHANT CREDIT GUIDE IS THAT THEY HAVE THE WRONG DEBTORS HERE.
MY FATHER IN LAW NEVER HAD A CREDIT CARD AND MY MOTHER IN LAW PAID ALL HER BILLS BEFORE SHE DIED IN 2004.
MY FATHER IN LAW IS DEAD SINCE 1998 AND THESE PEOPLE
FROM MERCHANTS GUIDE ARE CALLING HERE FOR A DEBT MY FATHER IN LAW DID IN 2001?!!?

MERCHANTS CREDIT GUIDE CO.IS THE NEW PARTNER OF
PORFOLIO RECOVERY ASSOCIATES(THE CLIENT).(PORTFOLIO??!!!)
MERCHANTS CREDIT GUIDE IS THE NEXT TO SUBSTITUTE LTD 77074 BECAUSE LTD FINANCIAL SERVICES ALREADY GOT FINED FOR ATTORNEY GENERAL OF FLORIDA BILL MCCOLLUM.
portfolio recovery associates DID NOT GET THE BLAME
BECAUSE HE USED collection agencies LIKE LTD 77074,
MERCHANTS CREDIT GUIDE AND OTHERS FOR TAKE ALL FINES FOR THEM.PORTFOLIO IS SO RICH THAT HE PAID PEOPLE
TO TAKE THE BLAMES FOR THEM.
MY HUSBAND WAS NOT A DEBTOR AND WAS HARASSED LIKE HELL HERE. MY HUSBAND BLIND AND MENTALLY ILL HAVE NOT ANY ACCOUNT WITH ME IN ANY BANK AND THEY STOLED A 1050,00 FROM HIS DISABILITY CHECKS.
MERCHANT CREDIT GUIDE SAID:
NATWEST FLEET
OUR CLIENT PORTFOLIO RECOVERY ASSOCIATES
BALANCE IS 1898,00
N850920235545
THEIR FEE NOW IS 1898,OO.
THESE MERCHANTS ARE CALLING MY HOUSE ASKING FOR MY
MOTHER IN LAW AND MY FATHER IN LAW ALREADY DEAD.
OTHER DAY SOMEBODY VERY NASTY CALL HERE AND I TOLD THE MAN STOP TO CALL HERE AND GO TO HELL EITHER.
THE MAN WAS A NASTY LOW PERSON AND I HAVE NO RESPECT FOR BAD PEOPLE.

MERCHANT CREDIT GUIDE WITH CLIENT portfolio recovery associates CALLED TODAY MY HOUSE AND DID NOT SAY A WORD.
I HOPE MERCHANTS AND PORTFOLIO RECOVERY GET FINED
FOR ATTORNEYS EVERYWHERE IN USA.I WISH THE SAME FOR LTD 77074,NCO,BASS AND ASSOCIATES AND MANY OTHERS BAD collection agencies.

Tania, I live in Florida also. If you need an attorney to help you with this please PM me. It won't cost you anything to talk to him. He will go after them and any others that are harrassing you or your husband. We all love you here at this site and want to help you!

Tania?? Where did you go??? Its me, Frog!!!

FROG THANKS VERY MUCH FOR YOUR BIG HELP FRIEND.
GOD BLESSES YOU ALWAYS.
I'LL SEND A PM FOR YOU.

FROG IS WONDERFUL HAVE FRIENDS LIKE YOU.

MERCHANTS CREDIT GUIDE BAD COLLECTOR JUST CALL MY HOUSE
AT 7:30 IN MIAMI FLORIDA.
THE NEW PARTNER OF portfolio recovery associates "THE CLIENT".
FROG THANKS FOR HELP ME ALWAYS,THANKS!!!

I'm confused. Merchants Credit Guide is taking over...who? Or...are they a CA all their own? Never heard of them.

I am also dealing with Merchant Credit Guide. I sent them a validation letter, they sent me a settlement offer. They're in deep doo doo, because I am going to see how many times they continue to attempt to collect, and let then keep racking up the numbers, then, I will sue them. :x

SDCHARGE63 MERCHANT CREDIT COLLECTION ARE TRYING TO
COLLECT A BILL HERE FROM 1991 NATWEST FLEET(NY) THAT WAS WITH LTD 77074 AND THE CLIENT PORTFOLIO BEFORE.
LTD AND PORTFOLIO TOOK ILLEGALLY 7 CHECKS OF 150,00
FROM MY HUSBAND BLIND AND MENTALLY ILL THAT WAS NOT A DEBTOR EITHER.
THIS ACCOUNT IS ONLY IN MY NAME AND I HAVE NOT ANY CHECKING ACCOUNT WITH MY HUSBAND.
LTD 77074 GOT FINED AND NOW PORTFOLIO
RECOVERY ASSOCIATES HAVE A NEW PARTNER MERCHANTS CREDIT GUIDE.
I HAVE TO SEND ALL PAPERS I HAVE HERE TO ATTORNEY BILL MC COLLUM(FLORIDA)LTD 77074 AND PORTFOLIO RECOVERY.
MERCHANT CREDIT GUIDE AND CLIENT PORTFOLIO RECOVERY
AGAIN.
SHAZZERS, MERCHANTS CREDIT GUIDE IS ANOTHER BAD COLLECTION AGENCY AND THEY HAVE NO RESPECT FOR
CONSUMERS EITHER.
DO NOT ANSWER THEIR CALL SHAZZERS.
ALL THESE BAD debt collectors DO NOT DESERVED ANYBODY ANSWER THEIR CALLS.

MERCHANT CREDIT GUIDE JUST CALLED HERE AND LEAVE A MESSAGE FOR CLIENT portfolio recovery associates.
I LEAVE THE ANSWERING MACHINE SAY "PLEASE LEAVE YOUR MESSAGE"AND I TOOK THE PHONE AND SAY HELLO.I HANG UP THE PHONE AND THE MACHINE WAS DOING A HORRIBLE NOISE
AND I UNDERSTAND ONLY THE PHONE NUMBER 1888-249-4134
AND I CALL 69* CALL RETURN EITHER.
I TOLD MY HUSBAND DO NOT TAKE THEIR CALL BECAUSE
WAS CLIENT PORTFOLIO RECOVERY ASSOCIATES THAT CHANGED LTD 77074 FOR MERCHANTS CREDIT GUIDE NOW.
I TOLD HIM MERCHANTS CREDIT GUIDE AND PORTOFOLIO RECOVERY WANT TO STEAL MORE CHECKS FROM HIM AGAIN
AND INCREASED MORE A BILL FROM NATWEST/91 FOR GIVE TO ANOTHER COLLECTION AGENCY TO STEAL MONEY FROM HIM AND HE IS NOT A DEBTOR EITHER.
HE AGREE WITH ME.

MERCHANT CREDIT GUIDE AND CLIENT PORTFOLIO RECOVERY TOLD MY HUSBAND HE HAD TO PAY A NATWEST FLEET
ACCOUNT FROM1991 BECAUSE THE ACCOUNT IS A DELINQUENT
ACCOUNT.THIS ACCOUNT IS NOT IN HIS NAME EITHER.

http://www.ripoffreport.com/searchresults.asp?q1=ALL&q4=&q6=&q3=&q2=&q7=&searchtype=0&submit2=Search!&q5=Merchant's+Credit+Guide&submit=Search

http://www.budhibbs.com/debtcollectorpages/merchants_credit.htm

ANOTHER PHONE NUMBER FROM MERCHANTS CREDIT GUIDE HERE.
http://www.whocalled.us/lookup/8663520234

Please be advised we represent the above mentioned client(portfolio recovery associates).
Merchants Credit Guide/
I cannot believe these illegal people still
asking for payment in this account Fleet Natwest 5545 from 1991 after Ltd Financial ex partner Of Portfolio Recovery associates(the client)Stoled 1050,00 from my husband blind and mentally ill here that is not a debtor of
this account either from 1991!!!!
Unbelieved!!!
MERCHANTS CREDIT GUIDE AND PORTFOLIO RECOVERY ASSOCIATES TRYING AGAIN THEIR DIRTY GAME
AGAINST MY VERY DISABILITY HUSBAND.
IT IS A SHAME!!!

THESE PEOPLE NEED TO BE IN THE SHOES OF MY POOR HUSBAND AND PAID FOR ALL THEIR CRIMES BECAUSE FOR A FEW DOLLARS MORE THESE PEOPLE HARASSED A NON DEBTOR HERE BLIND AND MENTALLY ILL.
I DO NOT WISH NOBODY STAY BLIND AND MENTALLY ILL BUT IF MERCHANTS OR CLIENT portfolio recovery associates CONTINUED DOING BAD THINGS I WISH THEM BLIND,MENTALLY ILL,POOR
AND HARASSED EVERY DAY OF THEIR LIVES FOR AN ACCOUNTS NOTHING IN THEIR NAME EITHER FROM ALMOST 2 DECADES AGO (17 YEARS).
IF CONTINUE TO HARASSED A POOR MAN HERE
AND TELL HIM THIS ACCOUNT IS IN HIS NAME(LIARS)BECAUSE IS ONLY IN THE NAME OF TANIA ALVAREZ AND IS A DELINQUENT
ACCOUNT AND HE HAS TO PAY THEM.LIARS!!!!
IF THEY INSIST(MERCHANTS AND PORTFOLIO BAD COLLECTORS) TO ROBBER MY POOR HUSBAND A BAD LUCK WILL CROSSED THEIR LIVES FOREVER IN THE NAME OF MY GOD JESUS CHRIST.
I'M SERIOUS.I'M VERY ANGRY WITH THESE BAD PEOPLE.