NCO Financial Services Leaves Several Messages Unsure Whether To Contact The company leaves several generic messages on answering machine and unsure whether or not to call 1-800 number Horsham Pennsylvania

This is from the contact link on their website.

NCO Financial Systems, Inc.
507 Prudential Road
Horsham, PA 19044

Gosh I wouldn't give them my address, make them do all the work. If this is a legit debt why in the world wouldn't they have all your contact info. In my case, the debts 20 years old. And like you they don't have my address. They called for a short time & then an automated call or two and stopped. Now they started calling again. I really wouldn't mind talking to 'em to remind them about the collection laws, but I miss their calls.

You can try calling them from a pay phone....

You might want to keep tabs on your credit reports for the next few months to make sure that they haven't placed negative info on them....As you may have guessed from reading all the negative press...NCO is not a nice company.

is to demand validation per the FDCPA.

Here's what you should do:

FIRST - Read the Fair Debt Collection Practices Act at http://ftc.gov/os/statutes/fdcpa/fdcpact.htm.

SECOND - send a certified letter, return receipt requested, to the DEBT COLLECTOR to dispute the debt and request written validation of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such validation or judgment, or name and address of the original creditor. Also, include a statement stating that you do not wish to be contacted again until you receive all the written debt validation information you have requested. In your case you want to clearly state that this is NOT YOUR DEBT and you should specifically ask for the following documentation:

What the money you say I owe is for;
Explain and show me how you calculated what you say I owe;
Provide me with copies of any papers that show I agreed to pay what you say I owe;
Provide a verification or copy of any judgment if applicable;
Identify the original creditor;
Prove the Statute of Limitations has not expired on this account;
Show me that you are licensed to collect in my state;
Provide me with your license numbers and Registered Agent.

THIRD - Once you received the written validation information requested, contact the CREDITOR (who owns the debt) via certified mail to resolve the matter.

It is important that communication between you and this debt collector be in WRITING! So, I wouldn't not talk to them, EXCEPT to obtain an address for sending a certified, return receipt requested letter to dispute and demand validation of this alleged debt. In your letter, identify yourself and the phone number they are calling so that they can research why they are calling you. Also include any reference number if they leave one on your message machine.

I would also check your credit reports to make sure everything is in order. If something appears on the reports that shouldn't be, follow the proceedures outlined above and write letters to any debt collectors or creditors that should not be listed.. My experience has been that it's much quicker to get credit reports corrected if the creditor requests the changes rather than the consumer.

Good luck.