NCO Illegal Harrassment

If the debt is 19 years old and you have already paid it in full, there is no reason why they should harass you. I think that the Original creditor has sold off the debt to NCO to get some easy money and NCO is now trying to collect the debt from you again.
Most of these collection agencies violate the Federal Laws and I think that the only way out of it is not to pick up the phone or to disconnect the line when you recognize that they are calling you.

Find an NACA attorney and sue them! Take pics of your caller ID plus answer the phone a couple of times and record the call...get your evidence

The original creditor has been out of business for over a decade, so I imagine this is ancient history that has been sold several times over.

I have no interest in suing them, I merely want them to stop. I'm more of an idealist, an "it's the principle of the thing" sort of person.

These guys are bottomfeeding slugs, but my real beef is with the politicians who look the other way. I researched the campaign contribution information for the major officers of NCO Financial and they have contributed tens of thousands of dollars to various PA politicians.

My policy now is to file a separate complaint with each of the offices above for every individual violation of the FDCPA. So, if NCO calls me three times today, then each of those offices receive three new complaints, complete with documentation (I've spent hundreds of dollars on postage -- seriously -- but it's worth it). At what point can these agencies deny they are aware of illegal activity?

The problem with suing is that the courts and the lawyers all still walk away with money in their pockets. If NCO has a local lawyer show up if I sue, then I've essentially put money in that sleazy lawyer's pocket, as well as given a lazy court system money for fees and such.

I know technically what to do to eventually make NCO go away, but I think it's time to start fighting the system -- to work towards getting the FDCPA re-written to provide further and stronger protection for consumers.

In NJ, Assemblyman Paul D. Moriarity, Vice-Chairman of the Assembly Consumer Affairs Committe, has introduced Bill A3839 which requires that (from Bill A3839):

"a debt collector shall, in connection with the collection of any debt, deliver to the debtor a written notice, in 10 point font, containing:

a. The amount of the debt owed to the creditor, separately stating any additional fees and charges;

b. The name of the creditor to whom the debt is owed;

c. Verification of the debt or a copy of a judgment against the debtor

d. A copy of the United States Fair Debt Collection Practices Act.


It's a start, and enough, perhaps, to make some of the nastier sorts of debt collectors think twice about their illegal activity.

I think anyone from NJ should follow the links and contact their representatives encouraging them to vote in favor of this bill. I think everyone else should contact their representatives and various consumer advocate agencies to work on such a bill in their home states.

It's time to highlight the fact this is as much a government corruption/incompetency/laziness issue as it is a sleazy debt collector issue.

I'm not advocating for ways for people to get out of paying their bills, but when debt collectors can essentially hold people up for money they owe no one and the onus is put on the consumer to defend themselves against a completely trumped up judgement, there's something seriously wrong with the system.

The only way to get them to stop at this time is to sue them. Sorry to say but if they haven't complied with your C&D letters, then they won't stop until you sue them for violations.

Hi, Just wanted to let everybody know that I challenged NCO's 'debt' on my credit report and Experian had it removed. What NCO had done was to make the debt appear newer than it was--by a couple of years--they can't do that. It's fraud. So, I wrote to Experian and let them know the debt was from over 7 years ago and asked them to have NCO confirm the original date the account was last active. I can only assume NCO couldn't come up with the right date--or else they knew they were caught re-aging the debt. (The date NCO had listed on my report was the date they took over the debt--not the date the account was last active with the original creditor--key point.)

Best thing I've read all day: "Investigation Result: Deleted."

I knew this day would come. After all the harrassing phone calls--all the "I'll take you to court." I told them a few months ago, "Listen, take me to court, or don't call again. I've got nothing to say to you--sue me."

All's well that ends well. Those scum-sucking vampires just got their pale asses beat by a stick I made them choose out behind the wood shed.

Haha hhA h HA HA HAHAHHhHAhaH

Take soapladys advice and sue them! I did! I won money with an out of court settlement! They consider it the cost of doing business! Start at NACA.org you will not lose!