Debt discharged in Chapter 7 bankruptcy showing up on credit report

Me too... Are they suing the people that complain?

This is just a ploy to get people to stop complaining. In your answer claim that you have a counterclaim. It may cost you around $1000.00, but you will win on principal.

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same thing! all over the web its the same issue w/this company! i have sent two letters that have went unanswered and the CRA's come back as verified when i disputed them.

Here is a link that might be helpful:

https://www.lawyersandsettlements.com/submit_form.html?ref=homepage

Has anyone pd the debt and NCS actually deleted the debt from your Ex report? I am thinking about just paying the debt to have it deleted. Has anyone had the debt deleted as NCS stated they would? Please respond!

I disputed with Transunion and they deleted it.

I highly doubt even if you pay their claim the derogatory credit would be deleted from your report. They may just change the status to "satisfied". There isn't much help when it comes to credit reporting abuse and yet there is huge consequences for having credit that isn't stellar. It is time for change, but I don't see any coming. At all!

First of all any debt that is 7 years old has to be removed from your credit report. Statue of limitations is up. Second dispute the item on your credit report. The collection agency has 30 days to reply. If they don't reply. The debt has to be removed from your credit report. Third Tell the collection agency to send you an itemized statement. If they can't they have to remove debt from your credit report. Don't pay anything on the account or they can leave it on your report for another 7 years. You have rights. If they don't comply SUE. Also write all the names down of the people you speak with at the collection agency. May God Bless You.

I've been getting a lot of quotes and they seem kinda high. these guys were low and seemed very affordable at debt settlement. can anyone tell me how much this service should cost on the open market.

I had the same thing happen to me. My C/R shows a debt of $146.00 w/NCS being the credit agency.My debt was included in a bankruptcy in 2005 and discharged the same year. In March 2009, I get a letter from NCS saying I owed this debt. I contacted them and told them it was discharged. They didn't care. They told me I needed to contact BMG. I did finally and they said they would notify NCS about the debt Well it's benn 7 months and nothing yet. Meanwhile NCS still contacts me and treats me like a criminal when this is clearly their and BMG's fault. Yes, a class action lawsuit would suit me just fine.

why don't you contact the trustee involved in your BK.they should be able to handle this.either way you should take action individually as they are violating a BK discharge.don't take it.contact the trustee.

I am going through the same thing. I disputed it and it was removed from the credit report but NCS keeps calling me. I did speak to a rep there who said that I allegedly didnt pay for 1 CD I had received through BMG in 2003 and the balance in interest which will continue to accumulate. She said there is no point disputing this because no one wins but I told her I was going to try anyway, I am not paying $250 for 1 $20 CD!!! When I asked for documentation like statements or proof that I owe this, they could not provide it. I never received a bill from anyone in 6 years, this is ridiculous! I have written to the gripe column at Good Housekeeping and reported this to the BBB.

[FONT=Georgia]Whether it was you ordering from a company (BMG) a long time ago and you just can't remember OR it was someone with your information ordering the merchandise EITHER WAY the order is under your name because of the information that was provided. If you submit a WRITTEN request for validation NCS will supply that to you no problem at all ( they have 30 days to get it to you)

You may or may not have been contacted by the original creditor for attempts to receive payment before they handed over the account to a 3rd party collections agency. It stinks to find something on your credit report without any warning HOWEVER once the account is handed down to a collections agency they have the right to report it to the Credit Bureau without notification (With the exceptions of 3 states).

NCS contacts the credit bureau ever Friday for updates. After NCS receives contact from you or contacts you personally, 5 days from this initial contact you will receive a letter stating your rights and the amount owed. If they don't hear back from you it is assumed that you have received the notice.

After receiving this first notification from NCS you have 30 days to send in a formal written request for validation. After 30 days NCS is not legally obligated to send you a validation but may or may not as a common courtesy.

It is very important to resolve any issues with collections agencies in order to avoid increasing fees and to maintain a good credit score. Some people might say don???t pay, reporting to your credit is just a bullying tactic. This is bad advice because the longer you wait to pay your debt the more fees build and your credit worsens. In extreme cases your credit card may be cancelled, you may be refused a loan or unable to make any serious purchases.

Full payment, payment plan, settlement?

There is a difference in each of these options and how it affects your credit report. Also keep in mind that the quicker you resolve your debts with the agency the better -- as the account sits in the system it accumulates interest fees and becomes more and more expensive with time. Stay calm and make an informed decision, but do not blow your payment off. This only costs you more in the long run.

Full Payment- quickest, guarantees that your credit will be cleared

Payment Plan -National Credit Solutions offers various payment plans over extended periods of time based on how much you are financially able to pay. This process takes longer to clear your credit but eventually does. NCS can set up automatic withdrawals according to the payment plan you have established.

Hardship Settlement- On a case by case basis NCS may or may not qualify you for a hardship settlement after assessing your situation and financial standing. Different factors affect their ability to settle such as ownership of the account and what type of account it is. If you chose this option your credit report will show that you settled for less than the legal amount owed. They can't guarantee the degree to which your credit will improve it varies in each situation.

Best way of paying
They accept payments over the phone or by mail, from checking, savings, credit or debit cards, mail orders, or cashiers checks. (Discover, Visa, MasterCard only) They will prob. encourage you to pay over the phone which I was uneasy of at first but when I checked into it I was told this was for a few reasons. It is a lot faster and actually more secure to pay via phone. If you mail in your payment there is a difference in the amount paid versus the final balance (which includes any fees that were accumulated while your payment was in the mail).

After I pay how long will it take to get it off my credit?

NCS reports to the Credit Bureau with any updates to your credit every Friday. All that NCS can do however is notify the Credit Bureau and after that it is their obligation to make any changes as they see fit. The time that it takes to see any immediate results or removal varies.[/FONT]

[FONT=Georgia]NCS does follow through on their commitment of deletion after PIF (payment in full)[/FONT]

[FONT=Georgia]Other Options: Cease & Desist/ Dispute

Cease and Desist is a formally written request. Be advised, cease and desist does not make debt go away. Requesting cease and desist will simply terminate any written or verbal communication towards you from NCS employees. NCS will honor this request. However, the debt will still show up on the consumers credit report, the account is still open, and the individual is still held accountable for the debt. (Advice: don't send a cease and desist letter and ask for verification...these are two opposing requests.)

Dispute vs. Complaint[/FONT]
[FONT=Georgia]Disputing the debt directly to NCS is much quicker and efficient rather than submitting disputes or complaints to outside sources who contact NCS at a later date and give NCS a timeframe to investigate the debt. NCS then has to report back to the outside source so that the source may then report back to you???this without a doubt delays the process at your inconvenience.[/FONT]

[FONT=Georgia]If you feel that the debt is not rightfully yours, and you have substantial proof???file a dispute. (Disputes without evidence are not legitimized.) If you have an objection about the business practices of NCS or a problem with any of the Debt recovery Specialists file a complaint with NCS and the appropriate steps will be taken to correct the matter. * There is a distinct difference between disputing the debt and filing a complaint against NCS.[/FONT]
[FONT=Georgia]If you feel that the debt being pursued is not yours and you have legitimate proof to clear the account from your name then you should file a dispute. After they receive a dispute an investigation is taken up that lasts 30 days.[/FONT]

[FONT=Georgia]If for example you are disputing the debt on the grounds of identity theft you must provide a police report and the identity theft affidavit for that relevant period of time when the debt occurred. Another example would be a person who was overseas at the time of the transaction, if the correct documents were submitted to prove this the account would be closed.

With millions of accounts there are bound to be mistakes or cases of fraud HOWEVER many people claim identity theft with no proof in an attempt to get out of paying.

IF YOU ARE FILING A DISPUTE KEEP IN MIND:
1.) You must provide proof.[/FONT]
[FONT=Georgia]2.) After a dispute is received by NCS they commence an investigation that can take up to 30 days.


Any other questions let me know... here to help![/FONT]

[FONT=Georgia]This information is not to be construed as legal advice. Every effort has been made to make sure this information is correct and up-to-date. It is not a full and exhaustive explanation of the law in any area. This information is not intended to be and should not be used as legal advice.[/FONT]

boy nice post."whew"first off if someone is disputing the debt it is up to your bottomfeeder to prove it not the person disputing.second your post looks like a letter from your bottomfeeder.btw i don't recommend anybody contact your bottomfeeder.i recommend disputes and AG,FTC complaints.i like how you state that this not legal advise,but when one of you calls you threaten legal action which you cannot take hilarious.run along now you have people to threaten over the phone.

oh,and i suppose just paying bottomfeeders is the way to go.hope every one of you is sued into destitution.

they have done the same to me and funny thing is they gave the address that i have not lived in around 1 and 11 months.. I am taking legal action against them.. I found this on my credit report and can prove I never did anything... Hvaen't ordered anything fromt them in 12 yrs how'd they get my married name.. shown up on transunion and experian...

NCS
Has gotten me as well live in Arkansas trying to buy a house have $161.00 that I supposely have open an acoount in 02/09 reported on my credit 06/09 by NCS contacted the numbers from the website of BMG Music they pulled my information up by my email address I do not buy anything off line neither do I own a credit card the customer service at BMG states that they are not in service any longer and has sold all their accounts to NCS in turn when I called them spoke with a Rickey when I explained the problem he said that he was going to get some else to help and put me on hold which lasted thirty minutnes I hung up their number is 1-800-317-7249.

I can't believe some of the entries I am reading. I had the same thing happen to me. My husband and myself went to apply for a home loan and my score had dropped 100 points which pulled me off the loan. The reason was a report from NCS - BMG for $191. I have never received any cds from BMG and called NCS to find out what this was for. She gave me an address in Wyoming which I stayed at for maybe a month when we sold our house back home and before we moved to Florida. The operator told me that just because she believed me didn't mean that she could delete the account. I was stuck until I read all of the entries, now I am angry and won't stop until this crap is off my credit!

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The person that posted "Great info on National Credit Solutions, OKC",
Obviously works for the collection agency.
It is completely impossible to prove you did not make an internet, or telephonic purchase.
It is completely impossible for the collection agency or original creditor to prove that you did. Any evidence that you did can be easily faked at their end. Unfortunately our legal system accepts that as evidence.

I wrote a two page demand lettercontaining explanations, fact, and demands as to how to remove this from my report. We all need to file this with a class action lawyer. I returned the one unsolicited cd I received from BMG 6 years ago only to find that an unsolicited 18.00 CD is now worth 148.00 when listed on your credit report. NCS are bullies and need to be dealt with legally.

Nice try. The only reply you will get from NCS is a form letter. It is limited in scope and only give the name of he company, a reference number, and the date that NCS picked up the account. In fact, BMG is now defunct is listed as Direct Sales. They have very limited and unsupported documentation. Challenged this. Everyone here is suffering the same injustice. At some time, majority has to rule in this case. If anyone ordered BMG's music, I am sure most will admit that the first item was unsolicted and had a wierd title, Mine was Save the humans" , I instantly returned the crap and fought with BMG for two years and was assured that it was over and all was clear. Guess, here we all are.

I paid my account and even after they received payment the letter has double speak and made it sound like it was not paid. Because of this double speak the credit reporting did not accept the letter and my credit score is still low. When I try to call NCS to have them re-word the letter I am put in the dark whole of voice mail with no call backs. with my first copy I tried to have a copy of the letter faxed or e-mailed and i was told theyy would not and being in Alaska it takes two weeks for it to arrive. looking at some of the other posts it makes me wonder why they are still oporating. The web site provides no information either to look up your account and its status like other reputable companies provide.

Has anybody been about to find a working number for BMG where i can figure out more details about my so-called outstanding balance? I havent been able to find out and the only thing on their website is an email contact form. I am going to dispute this on my experian report, and try to send a letter to my attorney general and better business bureau. Has anybody had any luck removing it from their report or would I be better off just paying the $211 to just get it off my report since it's hurting my credit so much?

Has anyone made any success? Or is this a vent/ rant and then everyone forgets they wrote on here, we can't exactly get together on an issue if we don't group up, so where does that leave us? All I see is "I am in the same boat," to pay or not to pay? Mine is only $95, apparently if you got on a contract with BMG, and didn't stay on it, it is a fee for early termination. I didn't order anything from BMG and NCS says I didn't even have a balance. I imagine I will be paying it, since $95 is cheaper than a lawyer.

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I just got my credit report also and along with all of you BMB and NDC got me as well.
My credit is horrible BUT..I know this does not belong on my credit report.
Let me know and email me at to let me know ongoing info
Thanks

I'm amazed at all the people in the same boat. I recently found out NCS says I owe $202 for Columbia House account from 2004. I moved in 2003 so there's no way I ordered from them and can only assume that someone that moved in after me signed up in my name.

I'm not planning to pay until I've exhausted every avenue for getting this removed, but was wondering if NCS actually does take off the credit mark if the payment is made.

Oh my goodness.........reading many of the posts sounds identical to mine. They said they notified me back in November of 2008, and it is a debt owed to BMG from back in 2004. They say I owe $124.00, and if I pay it, they will immediately take it off my credit report. The only way I knew it was on there was I just happened to pull my credit report a few weeks ago, and it was already on there. I was told there is only 3 states where you have to be notified before it gets posted on your credit report. All of this feels like a scam. I have been told to request a copy of the bill that proves that I owe it. When I did this, I was first told that the debt was verified because they have my social security number.
When I pressed the issue, I was told I had to request a copy of the bill in writing, and then it could take 30-90 days for anything to be resolved. But if I wanted to pay it right away, they could have it off my credit report by the following Friday of the same week. Again, this feels like a big scam.

Here are the addresses that I have found on this company:
NCS of Oklahoma LLC
PO Box 15779
Oklahoma, OK 73155-0779
and / or
Jerry Evans (maybe the owner or principal)
19800 SE 72nd St
Newalla, OK 74857-8324

I have received a number of calls from them about debts that I have not paid. Of course I didnt pay them, I dont owe them. All of my debts are either paid or being paid. They cannot provide me with documentation that I owe any debts they are claiming that I owe. They are calling my work number after they have been asked not to call my work. They call my house any time day or night. They normally use an automated machine to call which is in violation of Indiana laws - as I am on the do not call list. When I called them back - they hung up on me three times and the fourth time I got a rep who insisted that I owed a bogus debt. He said that if I dont pay the debt he will put it on my credit report. I have never not had an account with BMG for over 10 years and it was paid off when I closed it. Now they have come up with a another debt in which I have never heard of the company.
IAW the Fair Debt Collection Act they are violating most every aspect of the act. I am in the process of sending them a latter and I will be forwarding a copy of the letter to the Attorney General of Oklahoma.
Hope any of this information will help someone else.

i need you people to get this off my credit report please, I know nothing about this debt and I am not going to pay this. i have enough to pay besides being bothered with something that;s not mine. Thank you

I am going to closing on a home and I have 13 days to get this off my report or my VA loan gets cancelled because I can have 0 collections. I disputed with experian but does anyone know how long this takes. I cant let my home fall through for a $184.00 BS charge. so....what do I do? Can i pay and fight it later? Can I pay with a CC and dispute the charge? I need to know asap, as I am closing on a house NOW. Any help at all would be great!

I am also in the same situation. Pulled up the credit report today and in it listed a balance owed to National Credit Solutions supposedly have a status date of 03/27/2010 with a amount of $162. I have no memory of either buying anything for this amount or have any clue about this business not to mention never recieved anything from them to prove the validity of this 'balance' prior to this. I am outrage about this and would like to take care of this the best way possible. I already am suffering from a bad credit and to have something like this to put my when i don't even have a knowledge of is really taking a toll on my entire score. I cannot afford this kind of problem right now and interested in taking whatever action i can take to take care of this. This is ridiculous!

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That wouldn't work unless they will remove all derogatory TL's from the CR. A paid collection is just as bad as an unpaid.

contact your office of attorney general. I filled out a form forwarded all info I had and request that BMG show me the original authorizing signature. Two weeks later I recieved a letter that the colection has been dropped and NCS will be deleting it from my credit file. if you are a victim use the government powers to your advantage.

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Read the post above yours.....

[quote=fluffycakes2006;397127]i just happen to pull my credit report about 2 days ago and i had discovered that i had a collection in the amount of $146.00 and the original creditor being bmg that was reported in my experian credit report from this national credit solutions. I was so upset because i never saw this item before until now. I had read the report and apparently it was first reported to this company national credit solutions back in december 2008. I never received any type of written notice from national credit solutions based in oklahoma city, ok whatsoever on this debt.
I tried to dispute the item through the credit report website and received investigative results of this matter and it was complete. I do recall receiving some music items from bmg but that has been awhile ago at least 2-3 years ago.
I have the collection agency's telephone number but i am very hesitant about calling them and would rather communicate with them in writing in trying correct the issue and have the derogatory item deleted from my credit report in exchange for payment as soon as possible.
I am willing to settle the account for the amount owed providing that i receive the collection deletion off my creditor report in return for that payment .
I have already written the collection agency a letter via postal mail and sent it certified and receipt requested, signature, have emailed and faxed that same letter in regards to making a full payment in exchange for deletion from my experian credit report.
I would like to receive written correspondence from the national credit solutions on their company letterhead and a name and a legible signature.
I am hoping that i hear something from this company soon because i would like to have this matter resolved as soon as possible
is there a general turnaround time to find out, if the collection agency accepts your offer. How does that work? Any information or input would be greatly appreciated. Thanks in advance.[/quote]


go call justin..i talked to him a couple of months ago and he told me if paid in full they can remove from my credit report..so i went ahead and paid since i was getting a house and it raised my score 64 points and was removed from my credit also..

Also the date it shows is this first date it was reported to credit..these are all normally about3-5 years old..bmg and columbia house both do warehouse billing..wich means its store after sending a bill till they get something like 10000 of them and disperse them all to select agencies to collect than..

Thank you all for the information. NCS is trying to collect $118.66 from me on behalf of BMG. The date on my credit report shows December 2008.

I have mailed and faxed a validation letter to NCS (I'm slightly beyond the 30-day window but hoping they'll respond anyway). I'm not expecting much from this as others have said the information they received from NCS wasn't helpful. I have also sent a letter to my state (OR) attorney general. I'll let you know what happens.

EVERYONE SHOULD STOP PAYING THESE GUYS. i JUST REC'D A LETTER. NEVER ORDER'D ANTHYTHING.THEY WOULDN'T TELL ME WHAT I ORDERED WOTH $184. GOT A LAWYER.IUSE TO WORK FOR A COLLECTION AGENCY AND EVERYTHING THEY TOLD ME WAS WRONG. BY LAW THEY MUST TELL U WHAT WAS ORDERED, WHEN IT WAS ORDERED. WHEN I TOL THE I ONTAINED AN ATTY, THEY TOLD ME THEY COULD NOT TALK TO ME ANY LONG THEY COULD ONLY SPEAK TO THE WHICH IS ALSO WRONG. THEY HAVE SEVERAL NUMBER. 800-299-1512 WHICH IS ALSO ASSOCIATED WITH DIRECT BRANDS. MY ADVICE IS OBTAIN ATTORNEYS, FILE SUIT. GET YOUR MONEY BACK AND GET THEM OFF YOUR CREDT ASSISTANCE GROUP-BE ON THE LOOK OUT PEOPLE, THEY WILL COME UP WITH ANOTH SCAM! JOHN, & CORY WORK THERE & CORY SAYS HE'S THE MGR. I ALSO TOLD THEM I NEVER ORDER ANYTHING FROM THEM

I closed this account that they are requesting payment for and I had a print out of the final bill and bank statements to prove that I paid them. I will get to the bottom of this. Here is a lesson to be learned: Keep all bank statements and carbons on your checks as far back as seven years. SO that if this kind of thing arrises you can go back and take account of it all. Alot of trouble I know.But this is the only true resolution that works for sure. Always close unwanted accounts and ask for proof that the account has been closed. Although when you go to prove this be aware that other information can be collected on you as the same time that you are providing proof. And that is all that they really want for when a company goes under the only thing is that they want is a tax break. If you don't pay them they can write it off on their taxes.
Thanks to this information you provided to me today I have a legitimate cause to have this removed from my account.
Thanks For the info!

same here , same thing everyone else has got except i was told that i could go ahead and contact bmg and that they didnt have the bmg account number or contact information for them, i was told that the cds were paid for but the charge is for breach of contract or something, i said well why is it they waited 5 years to tell me that i owed a debt to them, and i got the response of they have 7 years to collect the debt, i said ok, so i need the account number and contact information to call and talk to someone at bmg, and he said that he had niether, and that i could track down a number and call them but more than likely that they would send me back to them and i was like no, ive had collections before and i was able to talk to both parties involved, collections agency as well as the company seeking the collections, so i said it sounds like you guys have got a scam going on here, he said if thats the case then this would have been shut down a long time ago, i said not really, you guys just havent been caught yet. a bunch of bologna i say!

I found out about a NCS/BMG account on my report after applying for a home, It was showing placed on credit in 2008, I wanted to get this off my credit so I could get this home so I paid the thing. Well as soon as I paid that one another one pops up and this time it is more $230 I decided I was not paying this time since I have never had a BMG account. When I called NCS they could only give me an address from 2003 remember BMG shows on my report but when I press the Guy he transfers me to a Lady and she say's it is Columbia House account I call Columbia House, They say Paid I find out its not the same account. I find Mr. Murphy's # and Call instead of going thru the bull he tells me he will take 85.00 He sent me a removal letter and I pay, Instead of removing it they updated it not once in June but Twice in two weeks my credit is shot, I disputed this with the CRA and within two days they send me a validation letter so I sent them a certified letter with the paid reciept from Capital assistance/Mr. Murphy and maybe this will work. I will send this to the Att.Gen. next if they do not follow the FCRA. If they can take the amount I paid Mr. Murphy and subtract that from the so called debt and update that on my credit report then they have had time to remove the account, this is bull ----!

Wow! It sounds like there's some shady business going on with BMG and Columbia House! I've been experiencing some financial troubles of my own as of late and thought this would be a good forum in which to seek advice on a solid, no-nonsense Wondering if anyone has experiences they could share with me so I know what to avoid. Thanks!
(Link Removed by Shazzers as solicitations are against TOS rules)

Link removed. Please read TERMS OF SERVICE for a more detailed description regarding advertising. Shazzers

I work for a bank as a collector! I was dumbfounded by the information that was reported to my credit report. What is this? I cannot believe that this happened. I am proceeding with all efforts to remove this item. This is a dirty scam by BMG. Are they going bankrupt like many companies in today's age? Is this their attempt to avoid losing more money? This is total fraud! Good luck to all and remember not all bill collectors are dirty and rotten most of us are in the business because we understand and have gone through the same trials that many are faced with today. Thanks to all that have posted the information. There are many great scenarios for solutions to this problem.

hi i applied for the 12 cds for the price of one nd i moved nd i neva recieved the cd i just found out i owe bmg 31 dollars i want to pay it but i dnt know where to go or who to call to pat it can someone help me plzzzzzzzzzzzzzzz

Is it just me or has no one posted a final outcome to their situation?? I have not seen one post where the person described what happened in the end, whether it was cleared off their credit report or remained on. I am encountering the same exact issue and currently writing a dispute letter. BUT NO ONE HAS POSTED THEIR OUTCOME AS TO WHAT HAPPENED?? WAS THEIR CREDIT SCORE FIXED, WERE THEY SUED??
THIS THREAD IS STARTING TO SEEM SHADY SINCE IN 10 ENTIRE PAGES NO ONE HAS POSTED A SOLUTION.