NCO harassing my relatives though I've talked with them - help!

is this the original creditor or a collector? either way, this is not right.. they know where to find you and they really should be calling your attorney.

Send them a C&D letter, and give a copy to your attorney. I can't seem to find a fax number for them, but I Did find an address.

NCO Financial Systems, Inc.
507 Prudential Rd
Horsham, PA 19044-2308

Just to add to Beli
NCO Financial Systems Inc. And JBC Legal Group, P.C..
Phone: 877-202-9074.
Fax: 716-404-2134.
507 Prudential Road Horsham, Pennsylvania, 19044

And I looked at my credit report and this is what they have on mine.
NCO FINANCIAL SYSTEMS 507 PRUDENTIAL ROAD
HORSHAM , PA 19044 phone: (888) 207-3081

Thanks, everyone, for the advice.

The refusal to give out a fax number is just crazy.

It's a collector. They also called my sister a month ago. I had talked with them before that, and I called them afterwards. So they have done this twice now.

Also, with both my sister and mother-in-law, they called numerous times (6+) per day before they finally picked up. (They both have caller ID and didn't recognize the number.)

In your C&D letter, let them know that they cannot contact anyone they may have numbers for, including but not limited to realitves, neighbors, employees/employer etc.

Keep a copy of that letter, and send it CMRR, and a fax, that way they can't say they were "Never notified" I'd also let them know that you included the debt that they are calling about in bankruptcy.

Btw, their correct # is listed here here(not saying Count's is wrong.. but this is directly listed on their website)

I've told them from the beginning that I'm filing bankruptcy. I even gave them a case number provided by my attorney.

When I talked with my attorney just now, he seemed baffled by their calls. 'Did you tell them you're filing? Did you give the case number? And they're still calling you?'

Last night was just horrible. My mother-in-law was upset, and that upset me, and the guy at NCO - ugh. He kept yelling my name - 'Charla!' - and interrupting me. And when I asked for the fax number, he laughed. He told me, 'I know everything about you. I can call your college roommate if I want.'

Then he said, 'You want to go court? We'll take you to court. Your name will be in the paper.' And so on.

I guess I'm just - Hey, if they want to go to court, fine. Take me to court. But cut out all the garbage in between. The law against abusive practices is great, but if it's not enforced, what's the point?

Thanks for listening, and thanks for the numbers and advice. I'll be sending out the certified letters today. And I'll fax them, too.

-Charla

Once they call you when they get the letter. (I'd say when you get the green card back just to be on the safe side, but in the back of your mind, keep the date that you also faxed them if you have to take them to court) you can sue for voilations to under Fair debit collection act. Do you know if your state is a One party state? If it is, let them know that your recording calls. Or just let vm kick in if you know the number. If they keep calling realitives/friends etc, have them keep a log as to what times/how many times a day they call. Once you have all the information once you send the C&D give them to your attorney or find a consumer law attorney and sue them.

Use the fax number Beli gace. it is the same line as the number I gave, but it is a 800 number (toll free)

i also would talk with your attorney about suing them, i think their behavior is unacceptable.

Thanks, Count Vlad and beli2005.

I will do as you suggest.

As for suing them - at this point, I just want to get through the bankruptcy. The last year has been a nightmare for me. I've had a permanent headache, many sleepless nights, and I probably have an ulcer. :) It's funny in a pathetic / morbid way.

When you think about it, the entire collections process is stupid. If debtors had the money to pay, they would pay. They don't pay because they can't pay. And threatening phone calls and lawsuits won't make money magically appear to pay the bill.

Oh well. I'll take everyone's advice, hope it works, - and I'll keep an eye out for any leprechauns. I could use a pot of gold.

Take care,
-Charla

I agree with you to an axtent 1111, there are some people out there who think that everything should be given to them and that is where most of the problems are. But, 98% of us know that we need to repay and will do whatever we can.

A big part of the problem is that these tactics WORK. And most people who know that they shouldn't be treated in this manner do not file complaints with the proper authorities. They just let it stress them out. And so it will continue.

According to Section 804 of the FDCPA (15 USC 1692b) a debt collector can only contact a 3rd party in order to get your contact information (IF you have disconnected your phone and they can't find you, for example), and then only ONCE. (There's up to $1000 in it if you sue them for this clear violation).

My sister is also being harrased by a CA who is looking for me. How do they know her number? The phone number is under her husbands name. I checked my credit report and that CA is not on there.

Guest, I posted the original question, but for some reason, I can't login to the site. To answer your question - they have access to all sorts of consumer info databases. My sister's phone number was under her husband's name, too, and she's used her married name for 17 years. But they still found her. And they also found my mother-in-law despite the fact I've kept my maiden name.

I appreciate ChrysHenderson's point. I would love to sue them. But while the intent of the law is great, the use of the law isn't so great. It's simply too expensive to sue.

I would like to point out, too, that despite all of my interactions with NCO, I've never - not once - received anything in the mail from them. Nothing. In the beginning, I answered all of the collection agencies' calls. What a mistake. Not one agency was interested in working with me, or helping me. I asked for a couple of months' forebearance while I searched for a new job. I asked for late fees to be stopped and the interest rates to be lowered and the 'past due' amount to be lowered. I also asked about settlement options. They weren't interested.

I'm not proud of declaring bankruptcy. It's been a very upsetting process. But when creditors will not work with you, what other option is there?

Anyway, regarding NCO, they don't just call your relatives. They harass them. They freaked out my mother-in-law - the guy was like, 'Tell her to call back within the hour! It's a vital business matter!' She was calling everyone trying to get my cell number. It was ridiculous. If I could have reached through the phone and punched that guy, I would have done it.

-Charla

Well, normally I would say yes, it is expensive to sue. *However*, the FDCPA not only grants you court and attorney costs, but also $1000 for these obvious FDCPA violations. Go to "www.naca.net" and get a referral to a Consumer Protection attorney. I'll BET you can get one to work pro bono.

Not to mention, did you know that they are forbidden by Federal Law to contact you or yours AT ALL as soon as they are notified of your bankruptcy? It's called an Automatic Stay and it takes effect on the date of filing.

AND no dunning letter? NO NO NO in this case it is not expensive to sue, you can get PAID. This one is SCREAMING free money! $$$$$$$$

Oh, and what is your log in problem?

Chrys is right, this just screams FDCPA of multipul debt violations.

That's the problem I see with collection agencies. They feel they can get away with it since either they the consumer doesn't know their rights, or they feel that the consumer feels hiring a lawyer is too expensive and don't want to go through the hassel.

I just sued Creditor's Interchange for the exact same thing. It didn't cost me a dime. They settled out of court for $1,000 for the violations and $2,000 for attorney fees. I didn't even have to appear in court. All I did was fill out the form the attorney emailed me, signed it, and faxed it back to my attorney. Two weeks later, I got the call regarding the settlement. I should have the check in hand in a few weeks. I am glad to get the money--it will help pay off my debts. However, I really wanted them to know that they cannot keep treating people like this without repercussions. The FDCPA laws are in place to protect us from this kind of abuse. If we do not use them, this type of behavior will never stop.

1111 - when i filed bankruptcy, i felt the same way you did. i just wanted it to be over and live my life again. my attorney brought up sueing a company that kept harrassing me while i was under bankruptcy protection but i kept saying no. and now i regret it, i really could have used the money and i would have won. more importantly, if more people sue the companies would have to start to behave better. i never sued anyone in my life but i really do regert not suing them.

ChrysHenderson, my login problem is 'incorrect username'. I will just have to register again.

I am meeting with my attorney tomorrow afternoon, actually, and I'll bring up the lawsuit idea. I would love to stick it to NCO.

If he isn't amenable, I will visit that naca.net website and see what can be done.

I'll keep you guys posted.

-Charla

Excellent, thank you! And I wish you the best. Feel free to ask any question you need.

Also, we are checking on the username problem.

Ok, apparently when you registered you did not put a full valid email address, only the email's username. You can either sign up again, or email me at chrys@ the name of this forum and I will have the account updated and fixed.

I STILL have NCO calling me,..with debts that are more than 9 ( or so) years old. they claim "this and that." I have also asked them for a Fax number or address. They have made empty threats....they can't collect on a debt THAT old. NCO 'plays' very crooked. I know there are alot of people, on the DebtCC Forum that can help you deal with them. NCO is a (so-called) CA.

I found a group of attorneys that will give u advice and file law suits if u need to they called the agency that is calling me and got some info.They told me that they have tried filing suits but the company cant be found.then gave me advice on how to deal with them.I didnt have to give personal info or pay for this call u u think u might need legal help call them it is 1-866-339-1156 the website for them is www.faircredithelpers.com i have not fully researched them as i was simply looking for advice but they were helpfull