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National Enterprise Systems: How to deal with this debt collector

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HEllo and thank you for this valuable resource!

I'm having some trouble with National Enterprise Systems.

They have been calling several times a day for weeks. I have had some shouting matches with them and they have threatened to call every single morning, first thing "so we're the first thing you think of when you wake up."

So when I did get a contact there and discuss my debt, she threatened "legal proceedings" if they don't get a resolution immediately.

I was scared and gave her my bank info for an initial payment after the holiday. Now I think that was a very bad idea (read somewhere that they will often take more than was agreed), and am scared about what they might do.

They keep calling constantly. When I try to get this particular contact on the phone, she is always busy.

What should I be doing here?




Can they lien my house? Garnish my wages? I have been unemployeed since March 2008 and the credit card company knows this and is not willing to settle for a $25 minimum payment - help

Sub: #161 posted on Wed, 10/07/2009 - 10:45

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I started receiving phone calls from NES last week. I was told that I have a student loan that is in default for the amount of $19,000. I was told that if I make a payment of $2,000 immediately and set up payment arrangements on the remainder of the balance that they would forgive 40% of the debt. The problem I have is that I have received absolutely nothing from NES about this account. The loan in question was still showing in deferment as of August. Now they are telling me that the student loan is in collections because it is over 180 days past due.
am barely making my house payment and feeding my family right now. She said that she did not care if I lose my house and that I must be doing alright because I have a house.

I am not sure where to go from here. Any help you can give me would be great. Thank you

Sub: #162 posted on Mon, 10/12/2009 - 17:26

Unregistered


i am bumping this so SOAPLADY can advise.however i don't think they can take your house.they can put a lein on it though,but i want soaplady's take.she is the student loan guru.

Sub: #163 posted on Tue, 10/13/2009 - 06:19

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15514 | Credits: )

i got them with help of a lawyer if you live in california you should contact this guys their so good , they got me sum money from this suckers .

from my email

[COLOR=Red]Congratulations:[/COLOR]
[COLOR=Red] [/COLOR]
[COLOR=Red]As we discussed today, we have settled your case, NES will cease and desist from collecting on the underlying debt, return the debt to the original creditor, pay my attorneys fees and court costs of $1750.00, entitling you to free legal representation per our contract. You will also receive $500.00. I will keep you posted on the process. [/COLOR]
[COLOR=Red] [/COLOR]
[COLOR=Red]It was my pleasure serving you in this matter.[/COLOR]
[COLOR=Red] [/COLOR]
[COLOR=Red]Best,[/COLOR]


[COLOR=Red][COLOR=#1F497D]Todd Friedman[/COLOR][/COLOR]
[COLOR=Red][COLOR=#1F497D]Law Offices of Todd M. Friedman, P.C.[/COLOR][/COLOR]
[COLOR=Red][COLOR=#1F497D]888 595 9111 ext 610[/COLOR][/COLOR]
[COLOR=Red][COLOR=#1F497D]866 633 0228 facsimile[/COLOR][/COLOR]
[COLOR=Red][COLOR=#1F497D][FONT=Goudy Old Style][URL="http://ww w.attorneysforconsumers.com/todd-friedman.html"]TFLAW.AttorneysForConsumers.com[/URL][/FONT][ /COLOR][/COLOR]
[COLOR=Red][COLOR=#1F497D] [/COLOR][/COLOR]

Sub: #164 posted on Thu, 10/22/2009 - 09:12

Unregistered


"the debt aint gonna go away"
Oh it most certainly IS. And for that you can thank our government who bailed out my mortgage company, who capitalized on that free money instead of being open to any kind of loan re-negotiations, re-financing, modifications, etc. Because of this, I am bankrupting and you will never collect a penny from me. EVER. Just like I will never see any kind of assistance or willingness to negotiate my situation from our government, or anybody else for that matter. Like them now, I don't care. And if you don't like that, too bad, because quite frankly, their attitude, though calloused and immoral, enables me to sleep at night. And it's nice.
So. As far as I and many consumers go, you're wasting your time.

Sub: #165 posted on Sun, 12/06/2009 - 18:41

Unregistered


I had a debt wright off in 2004 and now NES is calling to collect. Is this normal and can they re activate an account that was a wright off.

Sub: #166 posted on Sun, 01/03/2010 - 15:31

Unregistered


Quote:
Originally Posted by Anonymous
I had a debt wright off in 2004 and now NES is calling to collect. Is this normal and can they re activate an account that was a wright off.


What state are you in? The SOL makes a big difference. As far as credit reporting, they can report it correctly for up to 7.6 years and then it has to be removed.

Sub: #167 posted on Sun, 01/03/2010 - 15:47

Unregistered


i am from illinois, can they give a discounted setelment amount and then come back and try to get the the balance.

Sub: #168 posted on Sun, 01/03/2010 - 16:19

Unregistered


Quote:
Originally Posted by Anonymous
i am from illinois, can they give a discounted setelment amount and then come back and try to get the the balance.


unfortunately if you didn't get it in writing that the collector won't sell the balance.alot of collectors do just that.if you got a letter from NES get a DV letter out asap.send it certified mail return receipt.

Sub: #169 posted on Mon, 01/04/2010 - 05:01

paulmergel paulmergel
Moderators Cum Industry Expert
(Posts: 15514 | Credits: )

Exactly what Paul said.

Also the SOL in your state is 5 years so either it is getting real close or has already passed. It depends on when the last payment was made.

Sub: #170 posted on Mon, 01/04/2010 - 05:47

Unregistered



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