logo

Debtconsolidationcare.com - the USA consumer forum

Account turned over to NRC

Date: Thu, 06/28/2007 - 07:01

Submitted by anonymous
on Thu, 06/28/2007 - 07:01

Posts: 202330 Credits: [Donate]

Total Replies: 15


One of my accounts was turned over to NRC (Nations Recovery Center) for $942.46. I received a call from them about one and a half weeks before May 22, 2007 asking for me to call. The first and only letter they have sent me was on May 22, 2007 with the whole debt validation thing. I sent them a debt validation letter (unfortunatly not CMRR) on Tuesday June 19, 2007. That day I received 2nd call from them for me to call them or for my attorney to call them. Then just yesterday I received another call around 6:30PM stating that I have 24 hrs for either me or my attorney to call or he (the guy with my file on his desk) will not be able to help me and they will turn it over for the legal process to resume.

They have only had my file for a little over a month and the "period for validation" (30 day law) has just passed. He didn't mention anything about my letter at all. I'm not sure if they even received it yet because they make their mailing go to a P.O. Box.

I have full intention to pay, only I will not have the money until the middle of August (getting rid of other smaller debts) and even then I will not be able to pay in full.

Should I call him back and explain. He worried me with this whole 24 hour thing. I just am confused with why they are trying to handle this so fast.


Thank you for your replies.


They rushing for you to pay so you don't have time to verify everything and that the amount they say you owe is correct.

Do not worry about the 24 hour thing, its a bluff into trying to get you to pay. They cannot have you arrested. As long as you have proof you sent the letter there will be no issue. Did you send the letter with a receipt verification?

If they call back you need to tell them that you sent the letter for debt validation and you will not do business with them until you receive that validation. There is nothing else they can do to you except harass you on the phone. If they try and sue you they probably couldn't show the debt is valid, especially if they refuse to send you validation. So don't let them intimidate you. Read through the forums and you will pick up other advice also and other letters you can send them. If your state allows it, record the phone calls and right down everything they tell you, you can use that to show violations of the fdcpa.


lrhall41

Submitted by ramj70 on Thu, 06/28/2007 - 07:30

( Posts: 193 | Credits: )


I didn't send the letter certified mail or return receipt because I usually give people, even undeserving ones the benefit of the doubt even if it costs me. I never had a problem with a company not sending me a reply about the validation or sending me a validation.

Should I just reprint the letter and send it again, this time certified with return receipt even though it is past the 30 day mark?

I want to kick myself right now for not doing it in the first place, but also, is it even going to do anything since it is being sent to a P.O. Box? They actually have a different address on their letter but on their website, it only gives the P.O. box as well.


lrhall41

Submitted by on Thu, 06/28/2007 - 07:37

( Posts: | Credits: )


Never give debt collectors the benfit of the doubt, always send mail ceritifed or return receipt. As long as a you have a copy of the orignal letter you should be okay. You can send another letter and mention that you are still waiting on validation from the previous letter you sent and mention the day you mailed it. It doesn't matter if its a p.o box or not, that's the address they give and if they don't pick up the mail that is their fault.

Just call them to work out a payment arrangement, but make sure they validate the debt first. If they try to threaten or intimdate you just tell them you will not pay until you receive validation and then you will pay them. Don't let them force you into paying too much.


lrhall41

Submitted by ramj70 on Thu, 06/28/2007 - 08:12

( Posts: 193 | Credits: )


I wouldn't worry too much about the time frame they have given you. I also have an account in collections with them and they have been giving me the same 24 hour time frame for about a month now. I would just re-send the debt validation letter certified. They're just trying to scare you and rush you.


lrhall41

Submitted by eleroo on Thu, 06/28/2007 - 08:34

( Posts: 1220 | Credits: )


So I shouldn't have to worry about calling him back tonight? I'm not prepared of what to say at all. All I know is that it freaked me out so much that when I took a nap after I got the call my heart dropped when I woke up and remembered and all last night I was dreaming up different scenerios on how the situation would go. :?

I'll send another letter again tomorrow this time CMRRR and try not to let it worry my weekend like my worrying did for me last weekend.


lrhall41

Submitted by on Thu, 06/28/2007 - 08:39

( Posts: | Credits: )


In my opinion one should never ever speak with the collectors over the phone. It is advisable to communicate with them in writing, and always remember to send the letters via certified mail with a return receipt request. Never sign the letters; you can print your initials or even type your name.

See, it is really nice that you are actually planning to pay off the debt but before that order your credit reports (if you haven't already) and check whether your account has been actually turned over to collections or not. You can also check the SOL for your state - if your debt is out of statute debt then you have a legal right to not pay the debt.


lrhall41

Submitted by Good Nelly on Sun, 07/01/2007 - 23:55

( Posts: 2846 | Credits: )


yeah, thats a very good point about signatures. It is better to just have your name printed at the bottom, not by hand.

To needhelpfast--I would send them the same letter again, this time by certified mail. If they continue to make collection efforts after they have received it, let us know. And dont let them scare you--their tactic is designed to make people pay out of fear as fast as possible, because it doesnt allow the consumer to become aware of their rights, or to excercise those rights.


lrhall41

Submitted by skydivr7673 on Mon, 07/02/2007 - 11:27

( Posts: 2036 | Credits: )