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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?




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.

Sub: #71 posted on Wed, 11/05/2008 - 06:29

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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!!

Sub: #72 posted on Thu, 11/06/2008 - 11:45

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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.

Sub: #73 posted on Fri, 11/07/2008 - 02:16

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Has anyone been taken to court by NES?

Sub: #74 posted on Fri, 11/07/2008 - 13:49

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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]

Sub: #75 posted on Fri, 11/07/2008 - 15:06

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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.

Sub: #76 posted on Sat, 11/08/2008 - 03:57

goldenbast goldenbast
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(Posts: 2885 | Credits: )

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.

Sub: #77 posted on Tue, 11/11/2008 - 14:15

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

Sub: #78 posted on Wed, 11/12/2008 - 01:53

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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:

Sub: #79 posted on Wed, 11/12/2008 - 06:45

goldenbast goldenbast
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(Posts: 2885 | Credits: )

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.

Sub: #80 posted on Thu, 11/13/2008 - 07:01

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