Does anyone have information on National Enterprise System?

It never ceases to amaze me that individuals who are contacted by collection companies and asked to give their personal information will trust this stranger and give it to them. I have had the misfortune myself of having to deal with these people. Arm yourself with knowledge. Read through the fair debt collection act, especially for your state. While the fair debt collection act covers a broad scope, individual states can vary on specifics. Never, ever, ever give out any personal information to these people!!!! Do not be intimidated by them. They are required by law to provide you with certain information. If they send the debt to one of the big three credit reporting agencies and you have disputed the amount, they must list that. Last but not least, these are hard times for all of us. Ask yourself this: If I am having trouble paying my bills, do I really want more credit? That answer should be a resounding NO. In that case, does it really matter so much if your credit temporary goes in the crapper? Again, no. Stuff happens. Do the best you can, fix it later and don't put up with this--you don't have to. As far as continued harrassing phone calls--well, take the call and set the phone down and walk away. Leave them hanging. Unplug your phone if you can. Most people have voice mail. If they continue, you can do what I've done to other obscene callers and blow a referree whistle right in their ear--you know, the big one they use at sporting events. You have rights--know them!!!

I can't believe the unbusiness type attitude of this company. I have received three phone calls from them now, even though I do not owe any money to them or any other agency. When they were told they have the wrong person, the one they are looking for does not live here I was informed that I must be hiding them and they would continue to make harrassing phone calls to me. Needless to say I have made complaints to both the Attourney General's office and to the FTC

NES is the most horrific debt collection company I have ever had to deal with. Our family has run into some trouble the last year or so and our Verizon account was turned over to them. I have asked that they document the file that they are not to call me at my office or I could get fired and they continue to do so. A gentleman name Gary Ross 800-243-0002 x1443 made a settlement with me on the account and now they continue to call stating he was not a supervisor as previously stated and not authorized to make the settlement. When you get their name and number of the rep calling you they act as if it is inappropriate to inquire. Maybe the last 10+ calls I have asked to speak to a supervisor and after being placed on call for several minutes the call is disconnected (on their side). I try to call back and the extensions don't work or moments later their office is closed. It is absolutely craziness that a company like Verizon is utilizing a company like this. Here are the other #'s I have for them. Liz Waters 1-877-603-7165 x1455, compliance 877-603-7165 x2066; 800-243-0002. They have no problem calling and verbally (truly verbally) harrassing me, but I can't get them back on the phone.

they just called and stated there was a complaint filed against me by the city!
Last week they said it's in my best interest to call regarding my property.....Iam NOT nor have I ever been one day late on my mortgage.

I told them: Do not call. If you call I will report you to the police. I keep a log of all incoming calls, and the small amount I owe for their bill, will be nothing after my civil suit against them ends. i already won $2000

they just called me aout of the blue yesteerday at work saying I owe 6,000 and If I don't pay them today or if I hang up the phone they will file a judgement with me. Then they had the nerve to call again today at work wanting to speak to me. I never gotten a letter or anything from them.

That figures, I had paid off the debt they were collecting and my credit report also still have them on there, as 'still owing'. Guess we better contact some one in 'debt cures' and see if they can help!

Ha those losser changed their number. "F" them hell they sent me a letter saying I owed somebody, the when I called to question them about it Jeniffer hung up on me twice> Because they didn't understand why the company that hired them fired their ass!!!!!

IF THESE PEOPLE CALL YOU ---HANG UP IMMEDIATELY--
THEY THREATEN YOU, WITH A LAWSUIT, SAY THEY WILL TURN YOU IN FOR FRAUD, SAY THEY ARE CONTACTING YOUR EMPLOYER. THEY ARE A NASTY COLLECTION AGENCY

I THANK YOU VERY MUCH, FOR THE PHONE NUMBERS. I CALLED AND MADE A COMPLAINT ABOUT HOW THEIR EMPLOYEES TREATED ME. HOPE THEY GET FIRED!!! compliance 877-603-7165 x2066; I GOT EXCELLENT RESULTS.

They have contacted people other the debtor, my wife, threatening them, today again stated my wife gave them the authority to contact them, however at the time she was in the hospital with "Broken-Hearted Syndrome", unable to talk on the phone and or make a simple judgement. (lookup broken_hearted syndrome) We have had so many calls and lies who cares, in MO we deal with companies like this, we have an Atty General

When dealing with hijackers the victims aren't guilty or should feel ashamed. I Know we are honest and owe, feel bad because we can't pay, but should we let these rude, crude, and please excuse me, DIRTBAG SOB'S, who if you listen closely would not qualify for any position requiring an IQ or respect, human dung. As responsible persons do not honor them with your time, worry, or honor. As the day approaches "Bless A Vet"

Just got an account sent to them, I called them to make them aware of a payment I had sent, and work out payment arrangements. I have NEVER been treated the way I was treated, threatened, insulted. They did NOT want any payments, only the amount in full. They also stated that they had proof that I had that amount in an IRA, CD, or elsewhere and if I hung up without paying, they would sue me immediately. I had to eventually hang up, because I did not have the money in full and was tired of them screaming in my ear. I then called my credit counseling company and added them to the list so they could deal with them for me. I then reported a complaint to the BBB. NES has had over 800 complaints filed against them in the last 36 months. And of course their rating is UNSATISFACTORY with the BBB

If you have given them your bank information because of their illegal "we are verifying what info we have tactic, you can call your bank and make them aware of whats going on. They can close out your current bank account and reissue you a new one. I did it with my financial institution. They were very helpful. I am in the process of reporting them to the BBB and the federal government.

I came looking online to see what what said about this company because today I had my first encounter with them and could hardly believe how rude and unprofessional these people are at this company. Like most of you wrote, they threatened me and told me to go borrow from a family member and wire my payment in full TODAY! and then hung up on me. I am filing my complaint today with anyone who will accept it and seriously thinking about calling the owners.

This company has been making harassing phone calls to our residence looking for someone with a similar name to husbands, but different middle initial, different spelling of the first name, different social security number, residing in a different state, on a complaint that with a company we've never heard of. After being hung up on several times when the party they were looking for was not home, my husband finally had the opportunity to point out the error in contacting us. Three hours later, I took another call from them where I explained that we had already cleared this matter earlier in the day, and I was told that my husband would have to "appear in court with his social security card". I asked what court that would be and she said that "we would be served papers shortly". We have had three more calls this week, and now I am leaving calls for THEM everyday to call ME back, so that I can get a letter from them acknowledging this error once and for all. And here's a surprise, they haven't called me back.

I have rec'd several answering machine messages over the past couple of weeks in which the caller would leave an 800 # and since I had no idea who it was or what the call was about, I just deleted. Today I got a phone call (I'm guessinf from the same place) from a guy who said that I was going to be named in a lawsuit but if I paid up $$ owed, I could avoid the lawsuit. I asked who I owed to and how munch. He named a wireless carrier and quoted $837. I said that I did owe $$ but not that much. He asked how much and I told him less that half that(actually turns out that it is really much less than that.) He decided he was authorized to grant a settlement in the amount of $419 if I paid in full today by 4:30 using a post dated check, Visa or MC (to which there would be an added $15 fee.) I told him that I would not give him ANY financial information over the phone, that I did not even know who he was. He then told me he was from Enterprise. (I thought that was a car rental place!). He proceeded to give me the Acct # of the original creditor as "proof" of who he was (not the same acct# I have). I asked for his name and he told me. I insisted that I would not authorize $$ until I verified that this was legit. Finally hung up telling him I would get back to him, though he wasn't happy about that. (I must say, contrary to other things I've read on this board, he was always polite and respectful during our brief conversation)
So, I've spent the afternoon online, trying to arm myself with information. I got a look at my 3 credit reports (first time ever for me and yes, I know, that's pretty bad). Turns out that this acc't has been hanging around since 6/02...which, near as I can figure, means that SOL in NYS is 12/08...correct?
At this point, I would be happy to settle for the $419 even though I would like it to be less as I really only owed around $100. But if I could get it to go away for $419, I would. (Zach from NES said that if I don't pay up by 4:30 tonight, the "deal" goes away...it's now 5:00, oops!)
I have used one of the templates for a debt validation letter and have it ready to go out on Monday. Zach didn't give me NES acct # for me....can I leave that blank? Do I even need to send this? According to my credit rept, both the original creditor and previous CA have closed out the account. It seems NES has gone fishing for info on my credit just ithis past October and November. Do I need to respond? Can't afford to pay them $800...and even if I could, that is an bill inflated with bogus charges, so I refuse to do that, as I have been, right along. But would like to get it gone and get my credit repaired. I know that I should have been more aggressive right at the beginning of this mess, but there were things going on then that made me just ignore it. Bad move, but can't change that, only deal with it as is now. Suggestions?
Thanks.
CK

they went so far as to threaten to have someone come to my work place to discuss the bill with me LOL

Ok here is my situation. I owed bank of america 1000 for a credit card debt. i just received a call today stating that i owed money for this card. They told me they would settle for 700 and that my credit will put back to 0 and that it would be fine. I thought this was the my bank or an associate or whatever. Well he asked to verify my checking number so me just waking up at like 7 am gave it yeah i know bad idea. well now after reading through 12 pages of posts i figure screw these guys i do not wish to pay them a dime but i need some advice on what i should do. any advice would be awesome. i was thinking about changing my bank account number and getting a cease and desist or i figure if i pay them i do not pay through "tina" the lady who i spoke with .. she can go to hell. this is madness these people are so shady..... anyways im open to any advice thanks guys.

If NES contacts you and says they cannot accept payments towards your debt they are LYING! I have been harrassed by them at home and at work, cussed at, and called names. Ater being asked if I could borrow money from someone to pay off the debt I asked him if he would lend me money. He then said to quit being a "tough girl". Unfortunately he didn't want to lend me the money. I called my Debt Consoladation company, Care One (which I highly recommend) and was informed that they receive 40-50 pecent commision from any money they collect from you that is why they are so ruthless. Well the mofo who called me will not be getting my money cause I have set up a payment plan through Care One. If they try to contact me further I am pressing charges. Know your rights and don't fall for their scams. They are not able to harrass you or not accept payments from you. Check the Fair Debt Collections Act for further info. :wink: [color=Violet][/color]

This company started to contact me on the 6th of December, calls to my cell phone at 8:01 am, 9:34 am, 10:16 am, calls to my home number at 8:05am, 9:41am, 10:21 am. I called them back and spoke to a 'Paul'- totally unprofessional behavior from this gentlemen. He comes out with he is from NES and they are a debt collection agency, collecting on a overdue/delinquent credit card balance I have with CitiBank in the amount of roughly $6,000. I explained to him my situation, I am currently unemployed, have many other bills, and simply couldnt afford the 700 a month payment Citi was requesting. So he says he can work this out for me, and offer me a one-time settlement opportunity 'without taking me to court' if i make an immediate payment of $3,200. I told him thats nearly impossible to come up with immediately. I am 24 and do not have that kind of money lying around. HE LOST IT- immediately started in with threats against me, 'we will take you to court, you will end up paying twice as 320, plus legal fees, plus anything else we want you to pay, we will garnish your wages, we will repossess anything you own, we will not stop until we get this money'. I asked him if he was done yet, and he started in again with the threats. After a good five minutes of him telling me how irresponsible and a bad person i was...he offers me another one time opportunity of making a $1000 payment. I told him again, I dont have $1,000 lying around. He says: '1,000 isnt alot of money nick, to most people today $1,000 is just like $1 (WHAT???), you're just not putting any effort towards helping yourself out' He says he is fed up with dealing with me, and transfers me to another associate. This fellows name was Kevin Johnson- he played to good cop routine. I told him, I want to pay this debt, but demanding I come up with 3200 dollars in a matter of minutes, I cannot do that, what can we do to make this right. He suggests that I speak with a bank to get a loan to make this payment. Me being a good-natured person, I thought this was something I should do. So Kevin tells me to do so, and then get back in contact with him. Monday morning of this week I went to a few local banks, and started the loan application process. Tuesday morning I get six calls within one hour (between 8 and 9 am, all left messages on both cell phones and home phone), all demanding I call them back immediately, none of which were Kevin. I call Kevin back and ask him whats with the calls, I'm working on this, why does your company continue to harass me? He says 'nick, we're just making sure you're taking care of this'. I told him one call is sufficient enough. I tell him the applications are being processed, and the two banks I applied at will be letting me know. Kevin turns into 'mr. helpful' all the sudden. 'nick thats great news, we're glad to hear it, you're taking the first step towards getting your life back on track' He tells me to speed up the process, he'll go ahead and schedule that payment now, but he will post date the check to today, leaving ample time for bank to contact me. Me, being such an idiot, gave them my checking account information. Luckily he did not give me any type of confirmation number for this payment, nor did he actually get my authorization to make that debt from my checking account. Wednesday Morning was a nightmare for me, received about 20 calls within a matter of hours from this company, again demanding I call them back immediately. I call them, and say I havent heard back from my banks yet. Wednesday afternoon I find out from my banks that I do not qualify (even with a co-signor, my dad). This morning the calls CONTINUED to come in at an alarming rate, I finally answer the 15th cal of the hour, and speak with anther different associate. I tell him unfortunately I wasn't able to qualify for those loans (even with a co-signor as they suggested) and asked him what other suggestions he had for me. He had no other suggestions, nor did he even answer my question. He says 'so you have no intention of repaying this debt' . I tell him well you're not leaving me with any options to pay this debt. You're demanding I pay $3200 right now, and arent offering me any type of per-month payment plan, so no, I have no options for paying this debt. I cannot produce $3200 at the drop of a hat and you're not willing to help so we're at standstill. He says 'we'll see you in court' and then hangs up.

I wish I had read this entire thread before even deciding to try and work with this company. Obviously i'm not the only person in the world with outstanding debt, nor am I the only person dealing with this company. I feel even dumber for trying to get the loans (which I realize now was just a temporary means to an end, why take out a $5,000 loan, place myself farther in debt, just to make this one company happy and stop calling me with their harassing ways) Given that this thread is over two years old, and still continuing to grow, I shouldnt have fallen for the scare tactics they are pulling. They have my checking account info, and I hope they make some type of un-authorized debt from my account. I will be keeping close tabs on my account!

you need to close that account and open a new one.also do not talk to these idiots if you can help it.also,check your state laws in regards to recording calls.if you can get these mopes threatening you that's fdcpa violation money for you.just take care of your bank account first.

OMG these people are beyond rude!The have called harassing and yelling at us.Finaly after 2 months my husband and I got a phone call saying they were willing to work and agreement and said the amount and we have agreed to it.So now we have a settlement agreement in writing and are actually going to pay it off in full cause we took a loan out and now they want us to give them our bank account so they can authorize the settlement!That's crap cause we already have the paper work stating we can send certified checks and where to send it to!So are we right for refusing to give them our bank account?

Send NES or any debt collector a certified, return, receipt, requested letter asking them per FDCP ACT, Section 809(b) Validating debts within a thirty day period. The collector shall cease collection of the debt or any disputed portion thereof, until the debt collector obtains verification of the debt of any copy of a judgement, or the name and address of the orginal creditor, is mailed to the consumer by the debt collector. And then respectfully request: the amount of the debt, an itemized statement, the name of the creditor to whom the debt is owed and proof that the collector is licensed to collect debts in your state. Then advise them that you are aware of your rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. (look them up on the web lengthy but worth knowing) and add they cannot add interest or fees except those allowed by the original contract and they cannot attempt to collect the debt without validating, that violates the fdcpa. Also, advise them that you are keeping accurate records of all correspondence from them and their companies including recording all phone calls. (this part keeps them from calling you because you have now advised them that you are recording them) and you will not hesitate to report violations of the law to your State Attorney General, the FTC and the Better Business Bureau. Also, the last line should read that you demand that the immediately send a copy of this dispute letter to the original creditor so they are also aware of your dispute with the debt. And if so inclined put in a paragraph of inaccurate reporting to the Credit Bureaus. This does work and then be ready to dispute any and all debts that might be yours in court if they go for a judgement; but in most courts today if you have done all this they find in your favor and either dismiss the debt or lower the payments to fit your budget.
Do not pay on the debt because you start the clock on the debt once again going, if you have not paid a debt for years and the SOL is gone by you might want to use that as well. Please read about your rights under the law and fight these vultures. They seem to get a mob mentality when times are tough! Keep the faith and know your rights.

Does anyone know where to get the Cease and Desist letter, a template for it rather?

scroll down on the right you will see a section that reads ALSO SEE.there is a sample letters area.that should have what you need.

I HAVE NEXTEL/SPRINT 2000'---IN2003 WE START GETTING A BILL FRON VERIZON WIRELESS FOR FIRST 478.00 THEY BOTHER US ANDWE TRYED TO PROVE THAT WE DIDNOT HAVE THIS SERVICE ./THEYSENT SETTLEMENT OFFER 174.27 TO GET RID OF THEM I PAID THIS ,2007[ANOTHER CO.] THIS COMPANY [NES] START CALL 3 OR 4 TIME A DAY NOW THEY CALLING ASKING WHO IS OUR LAYWER NAME AND WANT MORE
MONEY $ 724.00 NO MORE I CALL MY LAWYER ALRIGHT TO SUE . MY WIFE HAD A STROKE THE CALL IS TO MUCH HARRESSMENT I AM 70 YEARS ITS TIME TO FIGHT!!!!!!!!!!!!!!!!

National Enterprise Services went to great lengths(all in one day) to get me to pay....

On 12/29/08 I was contacted at work by Tina Cache. She immediately identified herself as working for a law office and trying to resolve a credit issue with me. She stated that I was about to be served a summons by the sheriff for court to garnish my wages by Baker County (they do not have my actual home address, only work address). She stated that they had sent me several settlement letter in the last 6 weeks (none of which I received). She said they offered me to settled out of court for $1955 instead of the $5578 that I owe. I told her if I had gotten the letters for that kind of settlement, I would have definitely called them back and worked out the arrangements. She was very polite to me at this point and said she could still possibly get me that deal. I told her that I could get the $1955, possibly from my father.

When I questioned the summons for more information, she stated that she would need to see if she could stop the summons from being served by doing a conference call with Baker County. The 3rd party line rang and someone picked up and said "Baker County Court." Ms. Cache proceeded to ask the 3rd party about a summons and how we wished to halt sending out the summons because there was a possible out of court settlement. Ms. Cache provided a court case number (which I wrote down) The 3rd party person asked me for the last 4 digits of my social security number and I gave them. The "court official" said she wasn't sure she could stop the summons from being sent out because it was supposed to be served by the 31st. Ms. Cache assured the "court official" that we were attempting an out of court settlement and she (Ms. Cache) would get back to them about the summons. We then hung up with "the court." Then I was told that I only had 24 hours to reach a settlement or I would be served the summons. Ms. Cache had talked to my boss before I got on the phone and revealed information about sending a summons out to my place of employment and garnishing my wages.

After the 3rd party call ended, I consented to a 3rd party call with my father. He requested proof that if we gave them the money that they would not come back after the debt later on. They were unwilling to provide proof, but finally consented in sending over a faxed letter. The letter was a standard debt collecting letter, nothing in it stated that they agree to cease debt collecting and the settlement amount would be paid in full. Then they requested that my father give his banking information to them over the phone. My dad is no fool and baulked at this. He told them he was willing to send a cashier's check out immediately, but that was not acceptable to NES. Ms. Cache's supervisor got onto the phone and started to belittle my father saying that my father doesn't even care about his own daughter. The phone call escalated to the point that I was told to call back on 12/30 to settle the deal.

I proceeded to call my bank and was advised under no circumstances to give out our bank information. I did some research on the internet and called Baker County Court today (12/30). I was told outright by the real Baker county court office that the court case given was not theirs. I also found out that since I do not live in that County, a court case from the debt collector cannot be filed there.

I then called NES and Ms. Cache back. I told her that I was unable to get the funds. She asked if my dad was unwilling to help me. I told her no, he was willing to give me the money, but is wasn't going to go to NES under any circumstances. She attempted to say ok and hang up. I stopped her and I told her I had some questions about when the summons was being served to me at work and that I didn't want to be contacted at work again. She avoided the subject, so I asked for her manager. I was put on hold several times with her coming back on the line telling me all the managers were (convieniently) in a meeting. I told her I would wait.

Finally a Mr. Slade got on the phone. He asked why I couldn't pay and how I needed to find the money elsewhere, immediately. I told him, I was chosing not to pay that amount and would prefer court. I asked him about the summons and he pretty much said that there wasn't one. I proceeded to tell him that I was told on 12/29 that I had a pending summons. I repeatedly told him, I wanted the summons I was promised and I wanted it served immediately at my work. He started to get angry when I tried to interupt him and proceeded to threaten to garnish my wages and take everything that I have. He was very belligerent and very offensive. I interupted him one last time to tell him that I was recording the phone call and everything that had been said. He told me that I couldn't do that and I said, "Sir, legally in my state with one party's consent I can and I consented." He ended up flustered and actually told me he was going to hang up before he actually did.

I am willing to repay debts I owe, but I do not think the fact that they impersonated a county court, threatened to garnish wages, harassed me at work, and showed total disregard for my father and myself is something I should have to deal with to make ammends for the debt. I do not want to deal with a company that I feel I cannot trust and who lie continuously.I am not willing to give large amounts of money to someone I am not sure with stop harassing me once the debt is paid.

hey i have had problems with nes to i had a chase acc with them and talk to some a hole name scoot or some thing like that but there was another guy i talk to his was camren or calvin some thing like that but he was really helpful and nice he was the only one i talk to who act like he got some since i think his ex was 1322 if u got a chase acc i would try talking to him but screw that scoot guy

Well I was contacted by them about 2 weeks ago about a $2,700 credit card debt and they left a number. I called and the lady was actually nice and ofered a settlement reducing my total debt to $1,600 if I paid by the end of the month. I told her that I couldn't but that I would start making lump payments every 2 weeks and she agreed. I should be done with the debt in about 2 months and would actually save $1,100 in the process. Not bad I think...

Why don't we all start calling them every day for the next 30 days and just ask for Linda, Bob, Sam...tell them they owe us money to reimburse us for the time we've wasted listening to their threats. Here's the phone number I called today....have at it folks. Maybe if they had 1000 people per day calling their offices on their 800 number, we'd at least get the satisfaction of running up the 800 bill. 800-882-9325

NES...F--K THEM,DONT LET THEM SCARE YOU,SET BACK AND LET THEM BREAK THE FEDERAL LAWS,AND THEY WILL,THEN CHECK FOR AN ATTORNEY TO HELP YOU,AND THEY WILL FREE,REMEMBER $1000.00,FOR EACH VIOLATION,DONT LET THEM SCARE YOU!!!!!!!!!!!!!

Quote:

This sounds rough guys!!! I just got an alert from freecreditreport.com and NES was the company that viewed my report i dont even know what they are veiwing it for yet!! Sounds like they will be fun to deal with

trust me.this bottomfeeder is no fun to deal with.

They just threatened my 83 year old mother with jail if she didn't pay up.

I worked for NES for many years and yes they are liars and full of shit. No they cant sue anyone. collectors are just in competition to get a commission. The managers and supervisors are unprofessional and liars as well. I personally feel this company needs to be shut down. The owner and his sons run the company and they are extremely racist and greedy for money. Employees who don't bring in alot of money for the company gets dogged and or terminated. In fact no one uses their real names at NES everyone uses aliases..My suggestion to all who owes money and gets a call from NES is to not pay them and refer back to your original creditor and work out a plan with them. THEY WILL WORK WITH Y0U.. Hope this helps someone

I worked for NES for many years and yes they are liars and full of shit. No they cant sue anyone. collectors are just in competition to get a commission. The managers and supervisors are unprofessional and liars as well. I personally feel this company needs to be shut down. The owner and his sons run the company and they are extremely racist and greedy for money. Employees who don't bring in alot of money for the company gets dogged and or terminated. In fact no one uses their real names at NES everyone uses aliases..My suggestion to all who owes money and gets a call from NES is to not pay them and refer back to your original creditor and work out a plan with them. THEY WILL WORK WITH Y0U.. Hope this helps someone

AS A FORMER NES EMPLOYEE...IF YOU GET A CALL FROM THEM AND THEY THREATEN JAIL, OR SHERIFF OR COURT INFORM THEM YOU ARE RECORDING THE CONVERSATION I GURANTEE THEY WILL EITHER HANG UP OR CHANGE THE CONVERSATION AS THIS IS TOTAL VIOLATION OF THE FDCPA. EACH COLLECTOR IS COMPETITION WITH THE OTHER TO SEE WHO CAN GET THE MOST COMMISSION FOR THE MONTH. AND YES ITS TRUE THEY USE ALIASES.. I WOULD NOT FEEL COMFORTABLE GIVING MY CHECKING INFO TO SOME ONE AND I DONT KNOW THEY'RE REAL NAME..EACH COLLECTOR HAS A DIALING SYSTEM THAT CALLS PEOPLE.. AND IF CONTACT IS MADE THEY WILL PUT DEBTORS COLLECTION SCREEN INTO A "HOT STATUS" IN WHICH THIS ENSURES THAT ONLY THAT COLLECTOR CAN NOW SEE THIS ACCOUNT.. THEY TELL ONE LIE..BUT IF THEY DONT GET THE MONEY THEY GET NO COMMISSION.. SO THEN THIS ACCOUNT GOES BACK INTO A OPEN POOL THEN HERE COMES ANOTHER PREDATOR WITH SOME MORE LIES...IT'S ALL ABOUT THE COMMISSION.. SOME PEOPLE HAVE GOTTEN COMMISSION CHECKS IN AMOUNTS OF UP TO $20,000 DOLLARS BY LYING TO PEOPLE AND THREATS OF COURT.. NES CANNOT SUE NOR CAN THEY GARNISH WAGES. THEY CANNOT THREATEN ONE'S SPOUSE EITHER.. I WAS ONCE ONE OF THESE LIARS BUT THAT'S NOT MY CHARACTER SO I QUIT.. BECAUSE I DID NOT LIKE THEY WAY THEY TREATED THEIR EMPLOYEES AND I DEFNTLY DIDNT LIKE THE WAY THEY TREATED DEBTORS.. MY SUGGESTION TO ANYONE WHO OWES THEM IS TO MAKE A (DP) DIRECT PAYMENT TO YOUR ORIGINAL CREDITOR...THAT WAY NO ONE GETS A COMMISSION FOR IT.... I HOPE EVERYONE WHO OWES NES READS THIS BEFORE PAYING THEM ANYTHING..

I received a phone call yesterday and today from this company. The only thing i have asked is a verification in the mail whom this company is and to who the debt is for. They said i owed 4360. since September 2001. I pay my bills. They done the same stuff about sueing and getting judgment against me. I asked the lady that its odd they are contacting me now about it with it being 8 years old. Can they do that with it being that long ago and also why now. I dont know anything about it. Please someone inform me.

use the address on the first page of the topic to send DV letter.a couple of questions.

what knid of debt is this?
what state are you in?

that will go a long way in determining your next move.

I just recieved a phone call from an unknown source just a fem adv that I have to be in court on March 25 for a company that NES supposabley is handling but the company they say they have my debt with the company says they have my account still and I just made a payment to them on Friday... This fem just asked if I had legal representation.. I said no... she said we will see you in court on March 25 and hung up.. Did not inform me on where we are suppose to be in court... etc.. I recieved my letter from NES on March 12??? How can I supposably be being taken to court already it hasn't even been 30 days since my letter...???

I just recieved a phone call from an unknown source just a fem adv that I have to be in court on March 25 for a company that NES supposabley is handling but the company they say they have my debt with the company says they have my account still and I just made a payment to them on Friday... This fem just asked if I had legal representation.. I said no... she said we will see you in court on March 25 and hung up.. Did not inform me on where we are suppose to be in court... etc.. I recieved my letter from NES on March 12??? How can I supposably be being taken to court already it hasn't even been 30 days since my letter...???

I am in missouri and its a education loan.. from chase??

I am in missouri and its a education loan.. from chase??

check with your court clerk to see if there is a court date.if not look into your state laws in regards to recording calls.then get a DV and C&D letter out asap.payment or not make them prove you owe them.i doubt there is a court date,but check with your court clerk to be sure.

NES has been calling us just about daily (morning and evening) for many weeks now. Here's the small amount of info I know about them and their tactics:

1. NES seems to be a debt collection agency. Now--debt collection agencies CANNOT collect debt from you UNLESS you either:

a) Agree to their demands and give them personal account information by which they can garnish your wages, -OR-

b) Have received a JUDGMENT against in you in a court of law, and only then after a "cooling off period" (normally 30 days, but may vary from state to state).

2. DEBT COLLECTORS are very well trained in many, many different tactics/techniques which they use with precision and great expertise to get your money from you. If you owe money to someone, you will most likely have to repay some or all of what you owe--but ONLY AFTER a judgment in court is granted against you.

3. My recommendations (from a non-lawyer, retired person perspective) are for you to:

a) Just don't talk to them at all. They have no legal authority UNTIL a judge grants a decision against you. And you will most likely know that is going to happen to you by all the legal documents you will be getting from the legal firm for the "other side."

b) Do NOT give out any personal information to them, ESPECIALLY bank account information, places of employment, etc., which they can use to garnish your wages. They CANNOT garnish your wages unless YOU ALLOW THEM TO, or until AFTER a court-ordered judgment is granted against you.

c) RECORD all your personal telephonic contacts/ communications with them IF you choose to speak with them (buy a phone recorder or answering system with an electronic DATE/TIME "stamp" capability and turn it ON whenever you speak to them--but you should TELL THEM you are recording the conversation). Make sure you have spare tapes and SAVE all conversations. If you buy a digital recording system, you may have to save a copy by recording the conversation(s) back to a cassette tape system or similar device.

d) If you have a lawyer friend or acquaintance who would be willing to minimally charge you (perhaps for free?) to take calls from them, give NES your lawyer friend's phone number. You MUST set an UPPER LIMIT as to how much you are willing to pay your lawyer for his/her services (in taking these calls), after which time you will no longer retain him/her AS your lawyer, and after which time you are no longer their client. Make SURE you get this contract with your lawyer IN WRITING. This will sometimes help to stop the calls.

e) Pay close attention to WHEN the phone calls come in from NES. They are obligated by federal law to only call during "reasonable" hours---that usually means no EARLIER than 8:00am (your local time) and no LATER than 8:00pm (your local time). If they are calling AFTER 8:00pm or BEFORE 8:00am they are breaking the law (which is the reason to buy a phone recorder with an electronic DATE/TIME stamp capability). Once you can prove they are breaking the law, they'll usually leave you alone because the FINES on THEM are HUGE. Caution: Do NOT LIE by changing the time on the recording machine to a false time--that can easily be discovered and then you'll be guilty of fraud and false reporting--remember, NES keeps records also.

Hope this helps.

I've been staying at my grandparents house in Georgia, but I'm a legal resident of California. They've been calling me here.
A couple weeks ago they told me the next day I was being sued and I cried. They told me there was no reason to cry, and I told them I didn't have a job and I can't make money appear out of thin air so I had every reason to cry. They hung up on me.
Actually, they hang up on me now if I do any of the following: cry, mention getting a lawyer, telling them that I know by law they can't sue you if you start sending them payments no matter what the payment is since you are making an attempt to pay your debt. Actually, that last one I only heard and I don't know if it's true, but it gets them to hang up on me.
They told me inability to pay is the same as refusal to pay, I don't buy it. I'm going to pay what I can manage to gather up because technically they can't sue me for not paying them if I'm paying them. I'm going to send them a cease and desist letter to because while a legal citizen of California, I'm technically homeless and I can't have them calling me at every couch I crash on. I'd rather they call my cellphone, at least then it's my choice to ignore them--my poor grandma thinks it's actually important.

send the cease and desist letter along with a debt validation letter before you send anything.you are right,inability to pay is not same as refusal to pay.do not send this bottomfeeder anything without validation.send the letters certified mail return receipt.can you give us more details on this like.

what kind of debt?
when was the last payment made?

who knows,this might be past the statute of limitations.do not pay anyone without something in writing first.

This company has been calling my home and leaving messages - for someone who does not live here nor do I know them. When I returned the call - one person couldn't find my number in the system and said there was nothing she could do to stop them and another person said she would file a report to ask them to delete my number from their system, but I would probably get some more calls until it went through. Yikes.