National Enterprise Systems: How to deal with this debt collector

I'll apologize....I had to leave the computer several times while typing the previous post and the system logged me out

Oh my God these people are wounded beasts. Ever since Chase turned me over to them, I have received calls which range from all sorts of threats to dubious means. They threaten to start legal proceedings and nothing happens. They call and tell me that the way I spoke with one of their reps was not appropriate, and there is a restitution against me (whatever that is), they call to threaten suing me and sending the summons to my place of work, will call HR, your license will be suspended. Recently even called me on my cell and when I asked how they got my cell, I was told they have instituted an investigation on me. By the way, this is just a week after I have spent a few hours on the phone with their CAgent trying to pull some money from my account and finally I manage to pay them $1042..... Well today I called FTC for advice and have since written to them to inform them of how much I can afford to pay them monthly and also asked them to cease from all communications except through mail correspondence.

on august 7th i got a call from NES and i only had like 10 min to come up with 2100 dollars to pay a debt they lowered to 2400 and i was told if i didn't come up with the money they would garnish my check from work and send someone out to my place to see like how much the property is worth. I got scared i borrowed money from those cash places to pay the 1200 dollars gave them by routing number and checking account number this has never happened to me before and i know it was a mistake to give them all of that information a check was post dated and then another check post dated for another payment of the same amount on August 28th, 2008 and ended up closing my check account i lost my job the next day on August 8, 2008. I wrote NES a letter and put at the top of the letter CEASE COMMUNICATION. I don't want to end up losing my house and the things i have worked for i intend on paying the rest off but i have to be employeed first

Thank you for the information on the validation letter. I am sending one to NES today. These people have harrassed and threatened me at work EVERY SINGLE DAY. This is on a 6yr old credit card debt, that the original creditor has "wriiten off" It has gone around the block! The NES people have it and this debt mysteriously jumped up to $12000 yes 12 THOUSAND!! go figure? Can they do that?? Anyway I must do something to help secure my rights. Thanks for this wedsite

I am writing on behalf of my wife, at this moment she is very sick due to a various call made to my home from a person call jose luis pe????a, from a company name national enterprise system, who first , told my wife that he was a lawyer. On the evening of wed sept 24 I received a call from this piece of you know what. This sir started harrasing me because I owe them some money, the man got excited and started saying bad words to me and I told him that was not the manner to make collections. He told me that all he was interested was the money my wife owe them because ther business was making money,I told him that my wife at this moment has no income due to unemployment and I made making payments according to my capacity. He said that he was going to demand me and i told he can do whatever he wants because I am not liable and all i an doing is responding for my wife. After this i call one of ther numbers and ms maribel butler answer the call, i demand to make a complain on this man and she said that she was going to write in down. Before this happen mr pena told me that the payment i send for $1k had been returned due to no funds, i asked this lady the name of the bank and she gave me a name of a different bank and another bank account, she then asked me my account number and i told her that under any circumstances i would give her that kind of information. Now i may asked how are these kind of companies do business in the united states of america? I will keep doing my complain to differents agencies true the states cause no one is abovve the law, you cannot permit phone call were on the other side of the line ther is some king of j........ harrasing you. Try to reach this mr pollack but his email address does not works. thank you very much and you will be hearing from me. (I did this email with the consent of my wife because she does not speaks english).

RDM,if you can find the collection agency that is calling and harassing you, please post it here, someone can help you draft a letter to send them to stop the calls and harassment.

RDM stated that it was National Enterprise Systems. They have a rather questionable track record regarding fdcpa compliance.

Additionally I doubt that filing a complaint internally within the company will do any good as it's probably standard operating procedure for them. I would suggest filing complaints with the Federal Trade Commission and your state Attorney General's Office.

If you get a nasty call from NES pay no attention and call the Consumer Protection for the harassment and misrepresentation. Send A cease and Decist letter stating that you will only deal with the bank and will only converse through mail

Hello.
I got my first call today from National Enterprise Systems. The first guy called and woke me up. (between 8 and 9 am) He said the amount of the bill. I was half asleep so I didn't get it down but I asked why it had went up. He said collection fees of something like $48 on a $267 bill. I kept getting interrupted when trying to explain my situation and what I could do. I then I got yelled at by this first guy about well it's your social security number and it will be going on your credit report if you don't pay it today. When I yelled don't yell at me if you want my money he hung up. I wanted to ask for a payment plan starting the 3rd. I am on a fixed income and paid once a month.
I called the company after that which is who my debt is originally with and got the collection company's number (NES) because I didn't even know their number because the call was the first I heard from them and since the guy hung up on me I never got it.
When I called NES back no one would tell me who called me the first time. This time I got a woman named Kim claiming to be a supervisor. (We were disconnected once during the call and I was able to call and get her back on the line to finish that conversation.) She claimed to know the guy but after asking for his name three times I gave up. I asked for a letter about their company since they were taking over the debt and she said it was mailed two days ago and I should get it soon. I don't have it so I asked for the address to mail payments and she said they didn't take payments any way except over the phone. She asked if I would be paying anything today. I said I can not today as I only get paid once a month and that is a couple of weeks away. She said she was going to put down that I was refusing to pay then.
I called my original debtor back and they said they (NES) do take payments by mail. My original creditor would not take my payments any longer and said I have to deal with NES. I told them that if they only take phone payments that it would be hard to collect the money because I am one of the many who do not like to give my info over the phone to strangers. I had the person I talked to make a note on the account that I was not refusing to pay that I was just having a hard time working things out with the collection company and couldn't at this time pay in full.
Then I called NES back, got the desk woman, and she sighed when she answered the phone. her voice sounded irritated (probably caller ID) anyhow I asked for an address to mail payments. She gave it to me. I then said so you do take mail payments? She said yes. I told her that Kim had just said they didn't.
I then called my original debtor back. I stated what had happened and asked if I found a way to pay the debt in full would they then accept it directly instead of sending it to NES. They said they would take payment in full if I can get it but not payments. Once again I asked for my account to be noted that I am not refusing to pay just trying to figure out how to work things out.
I don't have the full amount or wouldn't be in the situation anyhow. If I did find a way to pay them (original creditor not collection co) would that mean I no longer owe the collection fees NES is trying to charge?

Thanks to all for their stories and links. It has really been educating and will be helpful to me the next time they call which looks like will be inevitable.

My lesson on this is that if someone says get this on your credit and I will pay it don't believe them. I got stiffed with the last bill and a few others.

So I am in MD. I am just got a call from National Enterprise System. This lady comes on and tells me I owe them this much, and they sent me a letter which they didnt and they called and a left a voicemail which they didnt. They got the charge yesterday and demanding i pay 500.00 by tomorrow or have it forcefully taken out of my account.

I have no clue on what to do.. because no matter what they try they aint gettin 500 of what i dont have. SO what should I do?

Send NES a DV letter CMRRR making them prove they own the debt, add a notation that all calls to your home are being recorded.

Quote:

ware can I get the correct forms to mail to nes validation of debt request ectect??

Link to sample letters is here:

http://www.debtconsolidationcare.com/letters/

Do not just copy it, use it as a template only. Try not to make it scream "form letter downloaded off the web"

I had a debt that went to National Enterprise Systems two years ago they called and were trying to collect so my ex boyfriend and I agreed to pay off the debt they came up with an agreement to settle for $2000 which was debited out of his account. Now recently they have been contacting us about the same debt, we told them that we paid it off already. They said that they have to take legal action against me and possibly garnish my wages if we don't pay... How should this matter be handled? It seems as though we will be paying twice for one debt which they claim in not traceable.

What was the original amount owed? You stated you settled for $2000, was there a written agreement stating they would not pursue or sell off the reamining balance?

Does anyone know anything or have any experience with NES according to VA laws? I have a defaulted account that has gone to NES for collection. They called me and threatened to send it to the state for involuntary collection if not paid within the month, which would/could then include garnished wages. Does anyone know who would then be going after me once it's sent to the state? Would it literally be the state of VA itself? I'm wondering how long it would take the state to collect once in their hands and who I would pay the debt to once I have the money. Does anyone know if the state of Va can even garnish wages?
I am not trying to get out of paying the debt, as I know the situation is my fault. I just don't have the large amount of money to pay at this moment, much less in the next month right before the holidays. Does anyone know the process after it leaves their company and how long it takes/can take afterwards? Timetables anyone?

Further on from my previous posting . . .

After reading the last 5 pages of posts from the last 2+ years I think it's pretty obvious from everyone's experience with NES is that their rudeness and inappropriate behavior isn't the half of it. They obviously are not following Federal Collection laws and seems as though they can't be trusted, whether they actually do have your debt or not.

With my personal situation, I recognize the debt and know what company and time it's from. Also that's it is recent - within the past 6 months. I was initially scared of the threats from NES and gave them my bank account info to set up a settlement, which is $300 less than the total collection. Although I thought the settlement was as good a deal as I will get, I am now thinking it's a mistake and I should hold off. I don't really have the money to pay the whole debt, much less any of it as we are headed into the holidays. I don't particularly want to change my bank account info, but if I have to I will to avoid the direct debits from my account.

I have seen several posts from people with debt that's anywhere from 2-6 years old and is still unpaid. I don't by any means plan on having this debt for the next 6 years, but I'm wondering what I should do for the time being. I have read several postings about DV letters, or requesting a verification from NES, or even demanding that the original company take the debt up with you - not NES. I am not very familiar with VA laws regarding this, much less how to interpret them. Is any of this legitimate? What are my possibilities here? Can I demand these things? Are these my rights?

Also, I think more than anything, I'm worried about what will happen to my credit if this is prolonged. Does anyone know? Will it be nothing more than a collection posted to my credit report that disappears once the collection is resolved?

Where should I look for answers to my questions?

Thanks to anyone who responds.

Here is some info on VA:

VIRGINIA STATE LAWS

Interest Rate: Legal:8% Judgment:9% or contract rate whichever is higher

Statute of Limitations
Open Acct:3 Last charge or payment
Written Contract:5
Domestic Judgment:20
Foreign Judgment:10
Sales of goods under article 2 is 4 years

Bad Check Laws (civil penalty): Lesser of $250 or three times check amount

General Garnishment Exemptions: See federal law below.

Federal Garnishment Exemption

Federal Law exempts from garnishment 75% of disposable earnings per week,
or an amount = to 30 x federal minimum hourly wage, whichever is greater.
Where federal law provides larger exemption, it supersedes any state law.


First and foremost, in order to garnish, they must have a judgement. In order to obtain a judgement, they must sue you. Have you sent them a DV request?

Thanks for the response NASCAR Devil. I have not sent in a DV request. I'm not really sure of the true definition or purpose of one. Is it just so they don't call you anymore and to state that you will only deal with them via mail? If so, they have stopped calling because I have set up a direct withdrawal with them to come out of my bank account. I'm just not sure I want to go through with it. I'm starting to lean towards not really wanting to deal with this through NES.

If I were to cancel the scheduled payment or close my bank account and let it be forwarded to the state - if I decided to pay it before they sue me, would I then pay the state? The collection is for an amount of about $1000. Is there any chance they won't sue me for whatever underlying reason? Or is that almost definite?

My main concern is that if it leaves NES, I'm pretty sure it's going to end up being several hundred dollars more than my settlement with them. It's kind of a trade off - if I prolong this I get more time to pay it off, but it may be a larger sum of money.

Any idea as to how long it normally takes the state to decide to sue me and obtain a judgment on this?

Thanks to anyone who responds.

they also contacted me, about an outstanding credit card debt of about 4500. THey threatened me with saying that the papers were ready to be handed down to Orange County Court and that a sheriff would show up at my house or job... can this happen? I live in NY. Please help!!

Henderip, you shouldn't have set up withdrawals from your bank account, they will empty it before you know it, they will take more than what you owe. Close the account and open a new one and NEVER give your bank information to anyone again! Do as Nascar suggests, send them a DV letter before paying them a dime! Have them prove they own the debt and have the right to collect it.

Has anyone been taken to court by NES?

I have filed a lawsuit against this company. Call me and I will be happy to share information with you.

Vicki Piontek, Esquire
Attorney at Law
951 Allentown Road
Lansdale, PA 19446
717-533-7472
[email]palaw@justice.com[/email]

henderip: What exactly do they mean by, "sending it to the state". Sounds completely bogus to me as the various states don't handle debt unless it was incurred with them originally (like some utility services, etc) but even that is at a city level and not state level. It sounds to me like NES is blowing smoke up your rear trying to scare a payment out of you.

You should never pay on any debt until it has been validated completely, since there are too many CAs who routinely break the law. You definitely should never give out banking information, even with a CA who properly validates as money orders and cashiers checks work just as good and you should be very wary of a company that refuses to accept these forms of payment. And finally, you should never pay a settlement until you have that settlement in writing, because they will come back and say "what settlement" or worse just sell off the debt without mentioning the fact that the account has already been paid.

The stupid b$$$$$$s called me thinking that I was an idiot. I was gravely ill and under doctors care for a while until I got better a few months later. My account was sold to them.

I got different calls from a Gina Brown and a Jackie. They were trying to get me to pay the whole thing. I told them that they needed to send me proof that they had the account. I also told them that I could not pay the full amount that I could make payments. They went into lawsuits, charges, and giving me these deadline dates.

After she could not resolve the issue, she forwarded the call to a Director "William" who was trying to use threatening tactics to get me to pay up. This company is so full of s**t. They use illegal tactics to get people to pay. All comsumers involved with this company who went through this ordeal should file a class action lawsuit against the company. By the time we were finished with them, they would be one of these companies who have to close up shop because of illegal practices.

I am making payments but refuse to give in to any of their illegal ways.

Diamond Pony, hope you are sending money orders and not personal checks when you make payments..

You should not make any payments until they properly validate the debt. The fact that they responded to your asking for proof with threats of lawsuits sounds highly suspicious...think about it..if they had the proof wouldn't it be a simple matter to send it to you? I would send them a strongly worded debt validation letter indicating you do not buckle under illegal threats, and threatening legal action without giving you the 30 days to dispute is just that, illegal. Inform them you know your rights and you demand full validation of this account before you even consider paying one red cent. Also tell them you will not hesitate to haul them to court for their illegal actions and they can pay YOU instead. Also include a limited cease and desist, indicating that they are to have no further telephone contact with you that it will all be through the US mail. Make sure to send this letter certified mail, return receipt for proof. There are good templates in the 'do it yourself' section here on this site, and if you google 'debt validation letter' you will get many other samples.

If they phone you before they get the letter, politely inform them you have sent them a letter and do not speak further with them (unless you can record the call and make sure you know the recording laws of your state) in that case let them hang themselves further but always keep a cool head and simply answer 'I do not know the veracity of anything you say and I have no proof from you that this is in fact my debt or that you are entitled to collect upon it.' If they call you after they get your letter, then you can politely inform them that they have broken the cease and desist demand and they have just violated further, that you are now making note of the date and time of this illegal call and can you please have the name of the caller for your records? I bet the person would hang up in a dang hurry... :twisted:

I can't find much on this online. Can some explain what a DV Request would look like or say? I don't want to sound like I don't know what I'm talking about.

Henderip, just type DV into the search engine at the top of the page.

Or type "debt validation letter" in google..lots of samples come up.

This is my preferred boilerplate for a DV letter. Customize to your own situation, include the attachment, and fire that sucker off.

http://www.debtconsolidationcare.com/collection-agencies/better-structure.html

My wife received a call from a Lisa Martin from NES about a debt the acquired on her Sears card. They told her that she owes them $2,500 due by monday or there will be court charges and fees involved. She told my wife that if she couldn't come up with the money, then she would have to file for bankruptcy.

I called Lisa and she spoke so fast that it made my head spin. I told her to send me a bill and then I will take care of it. She said that this needed to be taken care of today. She said that I could pay $600 by monday and then make bi-weekly payments of $100 until my wife's debt was paid off. She demanded that I give her my savings or checking acct #. I told her to transfer me to her supervisor. I got switch to a Steve Gantz that said he was the acct. manager. He said that he talked to his attorney and they will settle for $1800. I told him to give me the companys info so that I could send a banks cashier's check or money order. He refused and said that they only accept payments over the phone. He wanted me to fax him a letter or release then call them with my bank info. I told him that I would do that in 5 min. Thirty minutes go by and he called my wife wanting to know where his money is. She told him that he would have to talk to my husband. I am waiting for the phone to start ringing tomorrow (monday).

Question, what is the address to NES so that I can send them a DV ?? What else should I do to protect myself ??

NES is a CA...collectors do not consult with law offices or lawyers. So he is boldface lying to you.
How they accept payments is also a lie....they accept all forms....he just wants it now!!

DON'T GIVE THEM ANY BANKING INFORMATION!!! Don't send them a dime until they validate! What state are you in and when is the DOFD?

I am in PA

They called and harrassed me. Awful people. They actually have been sued for the way they handle there debt collections. I am currently suing them for calling and harrassing me and making b******t threats. If they keep harrassing contact and consumer attorney.

Let's keep it clean, please. - Uncle Wulf

This same "National Enterprise Systems" or whatever they call themselves have been calling us all the time since we moved here. I wonder if it's possible to either:
1. Sue them (preferable, as I don't owe them anything and don't even know who, besides "you", that's what they say, they are calling for).
2. Somehow stop or block them from calling this number, though I don't know if it's possible.

So, they call and say they need to talk to "you", which could be anybody but it's definitely not me. I decided to call back (they GAVE the number, it was NOT on caller ID!) and try to straighten this out so they'd stop calling here. The nasty, filthy woman on the line was so unbelievably rude I could barely believe it. She kind of laughed when I said that this recording keeps calling and leaving a message for "you", whoever that is, and had every intention of being civil. The next words out of her mouth, before any other questions or info was "could you hold please?" OH OH OH!, that burned my bum badly, like I can afford for them to waste even MORE of the phone time with this crap! I went off, then the moronic person on the other end just started yelling and doing her best to talk over me, which got absolutely NOTHING accomplished.

Funny, not long after we get another call, this time from an NCA, which I imagine is another CA. I answered the phone with "who is it?", and I could tell there were two people on the line. One sounded suspiciously like the a-hole I had talked to at the other place, and the same scenario took place. It's ridiculous. I have a handicapped person living here and she can't take this kind of stress day after day because we got someone else's debt-ridden number. This is crazy!

Sick, talk with them long enough to get an address then send them a C&D letter CMRRR, I would also tell them that all calls are being recorded.

threatening calls say i have to pay by the end of day. i don't have the money. told me no one would be in their office after 3 pm. threatening to put a lein on house, take wages. what can i do. :cry:

Don't send them anything or even talk to them. There is currently a fraud investigation against the company and numerous intent of lawsuits pending.
Any claim to the contrary is a plant by NES. Don't be Fooled!

For 6 months these ppl called me 20 times a day, no kidding. I did answer the phone only once and they screamed at me and said they were suing me w/o telling me who they were. They accused me of defrauding BOA and demanded payment in full at that moment. They told me to call a friend or family so I could put almost 4300.00 on one of there credit cards. Then they negotiated it down to 2400.00 when I told them all my f/f were in the same boat as I. I was crying and worried sick. They talked me into giving them a postdated check, which after I had cancelled the check 3 days later cause I couldn't get the money togther. They called and left 15 messages on my home phone and cell phone each. Which I saved every one of them. It was a peaceful 3 days. 4 months later I get a certified letter in the mail from an attorney. It was to take me to the magistrate for the 4300.00. I did not respond to it but I showed up at the specified time and date, which they did not, so they delayed it another 2 weeks, and I showed up again and they didn't show up and they favored in me and told me that this debt is now cleared unless they appeal it within 30 days. I filed a complaint against them on the ftc and actually heard back from them on the complaint. They said that there is nothing they can do about them and moniter them through the complaints and if they get enough then they investigate them. I thought, wow, they give us rights but don't do anything about them. Any bets on them appealing? Or is this another one of their scare tactics

After a day of harassment , I called NES to offer them a deal on my sister's behalf (this is her debt that NES is after) . The offer was less than 10% of the debt due . I told him that I had used all of my resources , friends & family , and that was what I can pay in one full lump sum . He was irate ! He said it was ridiculous , proceeded to belittle me , and then amused me with a "reasonable" payment plan . I said no , can't do sir . Then he told me to hold and I was greeted with his "supervisor" . I explained myself again and offered the same when I spoke to him . "Supervisor" was just as rude and told me I was crazy for trying to pay less than 10% of the debt owe and I told him , "Look , I can't do it , I can only offer X2 (I changed the amt to a couple hundred dollars less than what I had originally said) and he interrupted with , "Hey hey now , you said X at the beginning of this conversation." And I played dumb and said , "Oh , yeah . I guess I did . And that is all I'm going to be able to pay because again , I have already asked my friends and family and I highly doubt they will lend me any more money." So then he asked me if I was sure .. and I said I'm positive and then he said he'll submit the "paper work" and get back to me in a couple of hours to see if it has been approved . That was yesterday at 1pm .. I'm still waiting for my phone call .

My question is .. if they do accept the proposal .. what kinda of documentation should I ask them to send me to make sure that they can not come back in the future and try to collect the same debt from my sister ... also , after she pays , what happens to her credit ?!

I also have to mention that they too used the same illegal scare tactics on my sister : take her to court , take her car , garnish her paychecks , harassing her at work , then harassed me on my cell phone . After I found this site and read up on fdcpa I recited what I knew and they backed off for the night .

I also have to mention that they too used the same illegal scare tactics on my sister : take her to court , take her car , garnish her paychecks , harassing her at work , then harassed me on my cell phone . After I found this site and read up on fdcpa I recited what I knew and they backed off for the night .

I got a call today from a lady at NES and she stated that because I am married to my husband and he can't pay the bill then I am going to be sued. Then she asked can I borrow the money to pay the lump sum. I told her if I could borrow the money to pay the lump sum, then I could have borrowed the money to continue to pay the bill. I told her the bill is not current because I am no longer employed. I believe if I have to choose between my kids eating and the heat bill versus a credit card bill, that is a no brainer. I told her when I get a job the bill will be paid, she told me well you're going to be sued and have to pay the lawyers. At that point I had gotten pist, I told her she is just doing her job with her scare tactics and she can't get money I don't have and she can't sue me for what I don't have. The whole situation could have been handled better and I think these people should be trained better than they are. There is no need to be rude, people want to pay their bills, at least I do and I did. I have fallen on hard times. She proceeded to tell me that she can't believe that their isn't anyone I can borrow the money from. I told her hello we are ressession, she said that isn't her problem I will be getting sued. I hung up on her. I have every intension on paying my bills, but I will not be bullied.

Yeah, we did, we owe a debt but familiarize yourself with the Fair Debt Collection Practices Act which are Federal Laws. I had a nice lady named cheryl, tell me that its okay by the Ohio Attorney General for them to call me 3 times a day everyday, thats not legal, thats harrassement. I draw the line at 1 time

but it doesnt matter where you draw the line as far as the law and the courts go. it matters where THEY draw the line. You would have a very hard time trying to win harassment case against them by saying "they called me three times every day". Even the fdcpa wording tells a different story than that--the FDCPA says that it is illegal for them to cause your phone to ring repeatedly when their intention is to harass or annoy....3 times a day is trying to collect, not trying to annoy you.

Vicki..you have been warned repeatedly that solicitation is prohibited per the TOS. Did we forget something between law school and now? - NASCAR_Devil