National Enterprise Systems: How to deal with this debt collector

NES CONTINUES TO CALL MY JOB ON A DAILY BASE ABOUT MONEY I OWE FOR A CREDIT CARD. FIRST THEY SAY THAT I HAVE TO HAVE A CERTAIN AMOUNT, AND WHEN I SAY I DON'T HAVE THAT, THEN THEY CHANGE IT AND SAY THAT CAN EXCEPT ANOTHER AMOUNT. THEY ALSO SAID THEY WOULD TAKE ME TO COURT TO GARNISH MY WAGES, BUT LIKE I TOLD THEM I DON'T HAVE THE MONEY AND THAT THEY CAN'T GET WATER OUT OF A ROCK, I WILL PAY THE MONEY WHEN I GET MORE HOURS OR A BETTER JOB, BUT RIGHT NOW MY FIRST PRIORTY IS MY MORTGAGE

NES CONTINUES TO CALL MY JOB ON A DAILY BASE ABOUT MONEY I OWE FOR A CREDIT CARD. FIRST THEY SAY THAT I HAVE TO HAVE A CERTAIN AMOUNT, AND WHEN I SAY I DON'T HAVE THAT, THEN THEY CHANGE IT AND SAY THAT CAN EXCEPT ANOTHER AMOUNT. THEY ALSO SAID THEY WOULD TAKE ME TO COURT TO GARNISH MY WAGES, BUT LIKE I TOLD THEM I DON'T HAVE THE MONEY AND THAT THEY CAN'T GET WATER OUT OF A ROCK, I WILL PAY THE MONEY WHEN I GET MORE HOURS OR A BETTER JOB, BUT RIGHT NOW MY FIRST PRIORTY IS MY MORTGAGE

NES has been calling me - at work - for two days now, trying to imply that I have been involved in an auto accident and that I need to call them immediately to straighten this out (they said they were the "accident investigation division.") They claimed yesterday that a legal claim has been made against me and that I needed to respond immediately. Of course, no such thing has happened. This is illegal, isn't it?

I got a call from NES about a debt that I didn't know hadn't been paid. They demanded the $1674 that day and refused to work out any payment arrangements with me. I called the company that placed the debt with them and they told me they are not allowed to garnish. I reported the phone number and the extension of the person I spoke to and they were going to file a report with NES. I refuse to talk to them on the phone and I will be sending them payments biweekly. They are the rudest collectors I have ever dealt with and they will be reported to the BBB when I am finished with them.

Well, when you lose your job while having a credit card balance of $1500, which then balloons to $6000 due to overlimit and finance charges, is that a fair debt?

Right now, I have been trying to negotiate payments with my creditors, but they want monthly payments of no less than $800 which in not within the realm of possibility. They refuse to negotiate at all.

They made threatening calls at my job and threatening violence

My mother co-signed a loan for my oldest son for school that he droped out of, they set payment up for him and he didn't pay it (don't ask how I feel about him right now it's not nice), she was not given the same option. It went straight to collections along with the harrassment calls. They have spoken to my 2 15 yrs old sons my husband and myself they have even started to call my work. Our names are not on this loan. They have thratened to take my mothers house by the way I have the origional paper work, they are trying to say that she put the house up for this and this I know is not true. My mother is 73 yrs lives on a fixed income. Yes we have had the yelling matchs and even more so when I sent in a payment to show a payment in good faith but it wasn't the amount they wanted and called and said not to send in any more payments (have it on tape). What can I do now?

I just got off the phone with a lady that gave her name as Amy in regards to a debt the my son owes (not my debt). She identified that she was with NES but now who she was collecting for. She yelled and screamed at me to which I politely asked her not to do. She kept screaming something about a Universal something Clause. I asked her if she was trying to tell me if the debt was mine. To which she replyed according to the clause I was responsible. Finally a gentleman by the name of Richard got on the phone. He asked me if I was going to pay this debt, if I had the money in the bank. I told him that it was none of his buisness how much money I had in the bank. I told him that was not refusing or accepting anything. My question is how can these people call and harrass us like this? How can they be mean to me when it is not even my debt. Richard told me that "Your son is a liar, he threatened a law suit. From what I am seeing on Fair Collection Practices Act is NES is breaking laws. I am going to file a complaint with the BBB right now.

Loan is in default. NES wants full payment within 10 days. Says will file legal proceedings. Requested paperwork, told couldn't do that until agreed to pay in full by end of month. Can they take actions? If so what can they do? Own home but not free and clear. Any help appreciated.

All the automated messages are illegal. Per FDCPA and the case of Foti v. NCO Financial Systems - even automated messages as well as messages left by a person from a 3rd party debt colelctor must state who the call is for and have a disclosue in the course of the message to advise anyone who is not the debtor a chanceto stop listening. Then it is to proceed with the nature of the call being to collect a debt, no other infor allowed to be given - i.e. casenumbers, legal terms, ramifications, or any sense of urgency) and the identity of the company and the call back number. You can contact a lawyer. Also it is against the law for a collection agency to leave more than 1 message per day per debt. If a colelction agency leavs a message at 8:30am then it is technically illegal to call back at all for the rest of the day becuase that is considered as legal "debtor contact". If you do want to consult a lawyer, be sure that keep all recorded messages and phone logs of when their "unkown caler" status shows on the screen. If you do happen to talk to someone on the phone don't give in to any demands and record the call. WARNING! If you do record the call be sure that you live in a 1 part state - that means a state that only one party has to know about the act of a recording. If you live in a 2 party state then you shouldadvise the person on the end that you are recording the call. Most judges arepretty lenient if you record a call from a debt collector, even if you don't state that pupose, but you never want to take your chances against these slimeballs.