Question about calls from NCO

I read through the fdcpa and can find no mention of answering machines or voice mail. If you have a general voice mail where anyone other than you has access I could see that as being interpeted as a violation. I have gotten similat messages and I have also gotten the usual "please contact Mr'Jones about an important business matter."

Look up Foti v. NCO

It pertains to recordings

I can't believe I just got the same call!
NCO is on the worst of the worst list on another website. Beware!

During the court case of Foti vs Nco,they were nailed for improper phone procedure. The correct message they can leave is to your home phone is identify who is calling and leave mini miranda with call back number.

I had been receiving the same message from NCO on my answering machine about 4 to 6 times a day. I sent them a validation request letter last week CMRR and they received in on Monday. The calls have stopped but I'm wondering how long they have to reply?

There is no time limit which they have to reply. Indeed, the law says that they can simply not reply at all and cease all collection efforts. There are some state laws however which give a time limit.

Thank you Law Student. Now if they cease collection efforts, do they have to remove it from my credit report or do I have to dispute it?

Rochelle,there is no time limit to validate.However there are ways to remove that tradeline.The Ftc and some courts have ruled that reporting is continued collection activity so go ahead and do a dispute with the credit bureaus.If they verify the account with the credit bureaus without validating,they are in violation of Fdcpa.If they have not marked the account as in dispute after receiving your dv letter,again they are in 1.

Thank you for your help.