RISK MANAGEMENT ALTERNATIVES, NCO FINANCIAL COLLECTION RIPOFF CALLS HARRASSING AT HOME AND AT WORK Horsham Pennsylvania

Stef,

The more I think about your post to me, the more need I have to say something else to you.

First, you clearly violated the terms of this board when you made an unprovoked personal attack on me. You were not in any way involved with the situation between me and NCO.

However, you jumped in with unwarranted character assassination and name calling. This relly shows the world the level you are on, and how stuck on yourself you really are.

However, I have fought for our right to free expression through 10 years of active duty service and then National Guard. I am a 30% Disabled Veteran now as my reward for fighting for your rights to be a B*tch.

Therefore, I don't think I have earned the "loser" award nor do I fit in the "scum" category.

Furthermore, based on your self-superior attitude, I have drawn my own conclusion about you, and who you are as a person.

The success you allegedly have that allows you the fine things you brag of obviously were attained with what you have between your legs, and not by what you have between your ears.

This is very common in our society today.

We are done here, as you are not worthy of anymore of my time.

Maybe when you serve someone other than yourself, you may learn of what the words honor and integrity are all about.

Stef,

The more I think about your post to me, the more need I have to say something else to you.

First, you clearly violated the terms of this board when you made an unprovoked personal attack on me. You were not in any way involved with the situation between me and NCO.

However, you jumped in with unwarranted character assassination and name calling. This relly shows the world the level you are on, and how stuck on yourself you really are.

However, I have fought for our right to free expression through 10 years of active duty service and then National Guard. I am a 30% Disabled Veteran now as my reward for fighting for your rights to be a B*tch.

Therefore, I don't think I have earned the "loser" award nor do I fit in the "scum" category.

Furthermore, based on your self-superior attitude, I have drawn my own conclusion about you, and who you are as a person.

The success you allegedly have that allows you the fine things you brag of obviously were attained with what you have between your legs, and not by what you have between your ears.

This is very common in our society today.

We are done here, as you are not worthy of anymore of my time.

Maybe when you serve someone other than yourself, you may learn of what the words honor and integrity are all about.

Stef,

The more I think about your post to me, the more need I have to say something else to you.

First, you clearly violated the terms of this board when you made an unprovoked personal attack on me. You were not in any way involved with the situation between me and NCO.

However, you jumped in with unwarranted character assassination and name calling. This relly shows the world the level you are on, and how stuck on yourself you really are.

However, I have fought for our right to free expression through 10 years of active duty service and then National Guard. I am a 30% Disabled Veteran now as my reward for fighting for your rights to be a B*tch.

Therefore, I don't think I have earned the "loser" award nor do I fit in the "scum" category.

Furthermore, based on your self-superior attitude, I have drawn my own conclusion about you, and who you are as a person.

The success you allegedly have that allows you the fine things you brag of obviously were attained with what you have between your legs, and not by what you have between your ears.

This is very common in our society today.

We are done here, as you are not worthy of anymore of my time.

Maybe when you serve someone other than yourself, you may learn of what the words honor and integrity are all about.

Stef,

The more I think about your post to me, the more need I have to say something else to you.

First, you clearly violated the terms of this board when you made an unprovoked personal attack on me. You were not in any way involved with the situation between me and NCO.

However, you jumped in with unwarranted character assassination and name calling. This relly shows the world the level you are on, and how stuck on yourself you really are.

However, I have fought for our right to free expression through 10 years of active duty service and then National Guard. I am a 30% Disabled Veteran now as my reward for fighting for your rights to be a B*tch.

Therefore, I don't think I have earned the "loser" award nor do I fit in the "scum" category.

Furthermore, based on your self-superior attitude, I have drawn my own conclusion about you, and who you are as a person.

The success you allegedly have that allows you the fine things you brag of obviously were attained with what you have between your legs, and not by what you have between your ears.

This is very common in our society today.

We are done here, as you are not worthy of anymore of my time.

Maybe when you serve someone other than yourself, you may learn of what the words honor and integrity are all about.

We do pay our bills but people do end up in finical problems regardless if you agree with us or not but it does not give a right for collection agencies to hound or harass us because it want make us pay any sooner with them trying to provoke us to anger or harassing If will be more less that we will not give into their demands. Collection agencies do not care if we are in finical problems they could care less about our problems we are not all dead beat people like some are out their & we do run into money problems every know & then & get behind in our bills! but collection agencies have no compassion for people who have problems all they are out for is to steal peoples money & abuse them we the people are fighting back agaisnt evil collection agencies like NCO & we will sue them for all that they have & put them out of business forever!.

First of all, you know nothing about me or my situation. Although I am smart enough NOT to live in CA. I have the same house or better for 130k here than you get for 750k in CA. So who is really stupid?

AND, I have NOTHING in my name, so there is absolutely NOTHING to find.

AND, the faxes I sent had nothing but my name and efax #. So there is nothing to trace.

And, I had perfect credit for 14 years with a 735 credit score even with 23 credit cards and UNSECURED credit of well over $170k.

You might want to thing about who is the scum and the loser here.

You obviously need to re-read the entire thread as you are not getting it. You sound snooty to me, like most idiots from CA.

And FYI the credit card companies or the collectors have absolutely nothing to do with our interest rates. You have absolutely ZERO knowledge of our economic system.

So before you jump into something you know absolutely nothing about, do yourself a favor and remain silent.

Do us all a favor.

ps...I am not hiding from Chris or anyone else. I have DEFEATED NCO twice, and they are actually going to be paying me for the FTC violations. They know exactly how to reach me. They just know better.

Wow, Steve, Shut up, you cry more then my 8 month old baby. One thing for sure, I will never run into Steve or Charles, because they are so low, they could not afford a glass of water in the restaurants I dine at, or parking where I shop. You guys should just pay your bills and leave the people responsible for our interest rates and control of credit abuse alone. I do not own a collection agency; however I am involved with a very large US bank that screens scum like Steve out at the door.

Steve: when you rest your case, you shut up; you don't continue to post messages to yourself like a schizophrenic sociopath. I sure hope Chris at NCO has your real contact information from that fax you sent. If you do Chris please post it for everyone, and post the assessed value of the losers home, and any other personal information you find. That should shut him up.

Micheal: Your or anybody else from NCO does not have the right to provoke people to anger when trying to collect on a debt! people do run into finicial diffucties & get behind on their payments but it does not give a right! for a collection agencie to abuse, threatnen, harass a consumer to make them pay! or to provoke them to anger which many collectors like to do people!. Collection agencies do not give a s**t about people who are in finicial diffucties or recently lose their job threw no fault of their own & get consently hounded by creditors we have laws to protect us agaisnt you evil collection agencies who seek to do harm to us!. We need to be protected from you for damanges we suffer & file legal action agaisnt NCO. Did you know micheal that you can be fined up $1,000 for each violation you make or how you treat people just because you'er trying to collect a bill for a creditor does not mean you have the right to hound, abuse, or provoke people to anger WE HAVE RIGHTS AS HUMAN BEINGS ALSO!!!!!!!! we are not all deadbeats good honest people lose their jobs or or in finincial diffucilties & we all get behind in bills this happens to good people we need more laws to protect us from people like you micheal who work in these evil collection agencies who seek to do us harm & lie about good people.

Is this beacause Michael is still somehow connected to NCO? Michael, EXACTLY what is your current businees where you can pay 80k per year for a parking space?

Also, why would you need someone like NCO for protection from people like me? [From your quote]

>>"Steve, most likely you are a past employee of NCO that was fired, or a debtor that was contacted, either way you are a real sour man. Threatening someone that is proud of their company and the job they do is unacceptable. You are a low life, and you would never survive in the real world. What is it you do for a living anyway Steve? Factory? Millwright? Some other greasy dirty job.

Are you going to tell me to get a life too Steve? 80k in equity huh? That's the cost of my parking spot in New York. I have to thank you for the entertainment, as I and my colleagues found your antics quite entertaining. Needless to say our industry takes well to companies such as NCO. We need them to protect us from people like you."

>>>>>>>>>>>>

It seems funny that both big mouths were shut at the same time right after I hit NCO with multiple requests for thier position on the posts.

I think Mr. Chris will have to sell his car soon!
NCO was not happy with him or his response. It left them open to civil and legal liability. I do believe he is job hunting as the reason for not responding here. He got brought down a few pegs on the ego ladder.

And Michael is just a little too full of himself. I can guess that his parking space is paid for by the firm he works for. He is probably a collector in a bank where he gets paid a salary, and a parking space!

What a bunch of losers.

Here's the NCO explanation/response to their $1.5M settlement with the Federal Trade Commission:

And here's what REALLY happened:

http://www.ftc.gov/opa/2004/05/ncogroup.htm

Please re-read the sentence about "The civil penalty against Pennsylvania-based NCO Group, Inc. is the largest civil penalty ever obtained in a FCRA case."

Chris, you sound like an intelligent person, but you've been drinking too much of the NCO Koolaid if you believe half of the garbage you posted previously. If you're unfamiliar with US Law, you might want to think twice about commenting on it.

PS - I'm glad you and your co-workers find these other posts amusing. Your use of "NCO" and "The Good Guys" in the same sentence - now THAT'S funny.

I guess superhero Chris may be job hunting, or has been removed from the position as spokesperson for NCO!

We still have not heard from NCO on this matter, and they cannot say they did not get it. I have fax reciepts with delivery confirmation to 3 NCO fax#'s.

I knew that NCO would not respond. They don't put anything in writing, they only assault people while hiding behind a phone...in CANADA!

I guess the dumb a*s NCO "lawyers" are trying to figure this one out. It may be a while as they are pretty clueless.

I really wish they would waste some more time and money coming after me again. I really do need some more entertainment.

NCO is full of egomaniac morons.

Remember, Collection agencies have absolutely no power to do anything to you. They are impotent freaks, thugs and crackheads.

Never speak to a collector. I like to blow a whistle into the phone and just picture the blood flowing from the eardrums of some stupid a*s freak on crack.

C'mon NCO, I don't care if you are worth 800million or so. Just more for me to get.

Stupid a*s freaks.

NCO Financial Systems, NCO Group, NCO Portfolio Management NCO employee and Ex Employee RESPOND! They degrade honest hard working people or anyone who does manual labor! Check out this thread Ontario Canada

Here is part of the degrading post. This is the opinion of NCO employees, and I have requested an official position from NCO.

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>>"Steve, most likely you are a past employee of NCO that was fired, or a debtor that was contacted, either way you are a real sour man. Threatening someone that is proud of their company and the job they do is unacceptable. You are a low life, and you would never survive in the real world. What is it you do for a living anyway Steve? Factory? Millwright? Some other greasy dirty job".
>>>>>>>>>>>>>>>>>>>>>>

So, anyone who does manual labor as listed by this NCO employee above is a lowlife? That is the apparent position of NCO Group.

These people look far far down their noses at the rest of us, they think they are superior.

Unbelievable!

NCO Financial Systems, NCO Group, NCO Portfolio Management NCO employee and Ex Employee RESPOND! They degrade honest hard working people or anyone who does manual labor! Check out this thread Ontario Canada

Here is part of the degrading post. This is the opinion of NCO employees, and I have requested an official position from NCO.

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>>"Steve, most likely you are a past employee of NCO that was fired, or a debtor that was contacted, either way you are a real sour man. Threatening someone that is proud of their company and the job they do is unacceptable. You are a low life, and you would never survive in the real world. What is it you do for a living anyway Steve? Factory? Millwright? Some other greasy dirty job".
>>>>>>>>>>>>>>>>>>>>>>

So, anyone who does manual labor as listed by this NCO employee above is a lowlife? That is the apparent position of NCO Group.

These people look far far down their noses at the rest of us, they think they are superior.

Unbelievable!

NCO Financial Systems, NCO Group, NCO Portfolio Management NCO employee and Ex Employee RESPOND! They degrade honest hard working people or anyone who does manual labor! Check out this thread Ontario Canada

Here is part of the degrading post. This is the opinion of NCO employees, and I have requested an official position from NCO.

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>>"Steve, most likely you are a past employee of NCO that was fired, or a debtor that was contacted, either way you are a real sour man. Threatening someone that is proud of their company and the job they do is unacceptable. You are a low life, and you would never survive in the real world. What is it you do for a living anyway Steve? Factory? Millwright? Some other greasy dirty job".
>>>>>>>>>>>>>>>>>>>>>>

So, anyone who does manual labor as listed by this NCO employee above is a lowlife? That is the apparent position of NCO Group.

These people look far far down their noses at the rest of us, they think they are superior.

Unbelievable!

NCO Financial Systems, NCO Group, NCO Portfolio Management NCO employee and Ex Employee RESPOND! They degrade honest hard working people or anyone who does manual labor! Check out this thread Ontario Canada

Here is part of the degrading post. This is the opinion of NCO employees, and I have requested an official position from NCO.

>>>>>>>>>>>>>>>>>>>>>>>>>>>>>
>>"Steve, most likely you are a past employee of NCO that was fired, or a debtor that was contacted, either way you are a real sour man. Threatening someone that is proud of their company and the job they do is unacceptable. You are a low life, and you would never survive in the real world. What is it you do for a living anyway Steve? Factory? Millwright? Some other greasy dirty job".
>>>>>>>>>>>>>>>>>>>>>>

So, anyone who does manual labor as listed by this NCO employee above is a lowlife? That is the apparent position of NCO Group.

These people look far far down their noses at the rest of us, they think they are superior.

Unbelievable!

Ok, I'm not going to get into a pissing match here and I will show respect to the other people on this board and the Editor and Moderators as they are fine people offering a good service.

I won't do a long winded response here either.

I really don't care what your opinion is of me, but most of your facts and assumptions are way off.

There are literally thousands of complaints on NCO. It has been proven on several occasions that NCO has a pattern of legal violations against debtors. These are facts, and NCO has paid the multimillion dollar fines to back it up.
The FTC will again soon nail NCO for illegal practices. there will me more fines and lawsuits.

There is such a thing as junk debt. These are debts that are purchased that cannot legally be collected, but NCO tries anyway. NCO has a solid reputation for that.

As far as the equity I spoke of, that is on a 130k home which is the median cost here, or just under.

As far as the debt i walked away from, I told them before I did it that is was going to happen, but being the big arrogant banks they are, they ignored me. They all simultaneously doubled my interest rates and I had perfect credit for 14 years and a 735 credit score.

I was not going to be strong-armed. They called my bluff and lost. All except Bank of America who has been paid all along, as they did not play games with me. And I just paid off Chase Auto Finance 2 years early. They treated me very well too.

I don't hate all collectors. There are actually some good ones who are polite and fair. Just none at NCO. I am not a sour man as described before. And, I am succesful in life to where I could care less about my credit score. it means nothing to me. Nothing is in my name and nothing can be traced to me.

I did not threaten anyone here. My words in my post do not constitute a physical threat here in the U.S. or in the State of my Residence. For it to be criminal, there would have to be a real percieved threat and i would have to have means,motive, and opportunity.

So stick to collecting junk debts, and breaking the law harrassing honest citizens. That is what you know, so stick to it.

I have nothing to prove to you, NCO, or anyone else. I do good for a lot of people, and everyone that knows me and is important in my life knows that. Your opinion is worthless.

If I am a criminal, why am I not in jail? You talk about me, but that statement is false and opens the door to a lawsuit. Thank you.

You see, you are not all powerful and smart as you give yourselves credit for. I was dealing with scum like you before you were born. You have nothing new to show me.

Popular opinion on debt collectors is without a doubt on my side here, and that is publicly documented on hundreds of websites, and multiple government agencies including th FTC who will be on your doorstep again soon.

I rest my case.

Chris, stand firm in your belief at this point, you are right. Don't let people like Steve even begin to cast a shadow on your day; we all know what type of individual he is and where he will end up.

I worked at NCO many years ago, and it was an excellent place to start my career and yours as well Chris. Many of the large banks in the US and Canada, will recruit directly from NCO. I'm not sure what you do for them, however if you perform for your specific client, you can be sure they will try to snag you. The agencies are fun when you are young; however it grows tiresome as you age, unless you land an executive position, as by the sounds of it, you most likely will.

You should contact your legal compliance department tomorrow, as Steve said he sent mass faxes and emails. They will have his contact information; it would be interesting to know his name, as I'm sure you read, he threatened to choke you. In New York, if you feel threatened by a statement like that you can press charges.

Steve, most likely you are a past employee of NCO that was fired, or a debtor that was contacted, either way you are a real sour man. Threatening someone that is proud of their company and the job they do is unacceptable. You are a low life, and you would never survive in the real world. What is it you do for a living anyway Steve? Factory? Millwright? Some other greasy dirty job.

Are you going to tell me to get a life too Steve? 80k in equity huh? That's the cost of my parking spot in New York. I have to thank you for the entertainment, as I and my colleagues found your antics quite entertaining. Needless to say our industry takes well to companies such as NCO. We need them to protect us from people like you.

Chris, stand firm in your belief at this point, you are right. Don't let people like Steve even begin to cast a shadow on your day; we all know what type of individual he is and where he will end up.

I worked at NCO many years ago, and it was an excellent place to start my career and yours as well Chris. Many of the large banks in the US and Canada, will recruit directly from NCO. I'm not sure what you do for them, however if you perform for your specific client, you can be sure they will try to snag you. The agencies are fun when you are young; however it grows tiresome as you age, unless you land an executive position, as by the sounds of it, you most likely will.

You should contact your legal compliance department tomorrow, as Steve said he sent mass faxes and emails. They will have his contact information; it would be interesting to know his name, as I'm sure you read, he threatened to choke you. In New York, if you feel threatened by a statement like that you can press charges.

Steve, most likely you are a past employee of NCO that was fired, or a debtor that was contacted, either way you are a real sour man. Threatening someone that is proud of their company and the job they do is unacceptable. You are a low life, and you would never survive in the real world. What is it you do for a living anyway Steve? Factory? Millwright? Some other greasy dirty job.

Are you going to tell me to get a life too Steve? 80k in equity huh? That's the cost of my parking spot in New York. I have to thank you for the entertainment, as I and my colleagues found your antics quite entertaining. Needless to say our industry takes well to companies such as NCO. We need them to protect us from people like you.

Chris, stand firm in your belief at this point, you are right. Don't let people like Steve even begin to cast a shadow on your day; we all know what type of individual he is and where he will end up.

I worked at NCO many years ago, and it was an excellent place to start my career and yours as well Chris. Many of the large banks in the US and Canada, will recruit directly from NCO. I'm not sure what you do for them, however if you perform for your specific client, you can be sure they will try to snag you. The agencies are fun when you are young; however it grows tiresome as you age, unless you land an executive position, as by the sounds of it, you most likely will.

You should contact your legal compliance department tomorrow, as Steve said he sent mass faxes and emails. They will have his contact information; it would be interesting to know his name, as I'm sure you read, he threatened to choke you. In New York, if you feel threatened by a statement like that you can press charges.

Steve, most likely you are a past employee of NCO that was fired, or a debtor that was contacted, either way you are a real sour man. Threatening someone that is proud of their company and the job they do is unacceptable. You are a low life, and you would never survive in the real world. What is it you do for a living anyway Steve? Factory? Millwright? Some other greasy dirty job.

Are you going to tell me to get a life too Steve? 80k in equity huh? That's the cost of my parking spot in New York. I have to thank you for the entertainment, as I and my colleagues found your antics quite entertaining. Needless to say our industry takes well to companies such as NCO. We need them to protect us from people like you.

Chris, stand firm in your belief at this point, you are right. Don't let people like Steve even begin to cast a shadow on your day; we all know what type of individual he is and where he will end up.

I worked at NCO many years ago, and it was an excellent place to start my career and yours as well Chris. Many of the large banks in the US and Canada, will recruit directly from NCO. I'm not sure what you do for them, however if you perform for your specific client, you can be sure they will try to snag you. The agencies are fun when you are young; however it grows tiresome as you age, unless you land an executive position, as by the sounds of it, you most likely will.

You should contact your legal compliance department tomorrow, as Steve said he sent mass faxes and emails. They will have his contact information; it would be interesting to know his name, as I'm sure you read, he threatened to choke you. In New York, if you feel threatened by a statement like that you can press charges.

Steve, most likely you are a past employee of NCO that was fired, or a debtor that was contacted, either way you are a real sour man. Threatening someone that is proud of their company and the job they do is unacceptable. You are a low life, and you would never survive in the real world. What is it you do for a living anyway Steve? Factory? Millwright? Some other greasy dirty job.

Are you going to tell me to get a life too Steve? 80k in equity huh? That's the cost of my parking spot in New York. I have to thank you for the entertainment, as I and my colleagues found your antics quite entertaining. Needless to say our industry takes well to companies such as NCO. We need them to protect us from people like you.

I'm going to keep this short and simple, like you Steve:

There is no such thing as a "Junk debt"; a debt is money owing to an honest legitimate company that a consumer or corporation has created as a result of a product or service received. That means that someone legitimately owes the money. There are debts that can be disputed, for various reasons, however they are still debts, unless it is resolved that there is legitimacy in the dispute. The only junk in this world is a consumer that thinks they can break the law without prosecution. You have just admitted to stealing money from a creditor in an open forum. In most European and Asian countries you would be jailed for that. The new anti fraud legislation that will be forthcoming will prevent people like you defrauding creditors. I admit there are some legitimate causes for debt, and may debtors fall into debt for unforeseen circumstances. However a consumer with honor will repay their obligation. You go ahead and walk away from your debt. Good luck with your future and the karma you are creating for yourself. I do pity and feel sorry for simple minded people like you.

You have become very defensive in your last post, this shows of your inferiority. One, who would discuss net worth as a reply to insult, is one that feels less superior. I am happy you have equity in your home, and three deprecating automobiles, good for you. And to state you are taking care of your family, is you attempting to gain acceptance and sympathy from all. The truth is you are a thief. Enjoy your year off, I will enjoy my early retirement, I am much younger then you, and far further in life. I wish you the best of luck with your sick family.

Annie: I appreciate your professional well structured response and debate of my position. You are obviously educated and I value your opinion. Being credit worthy and financially responsible, I am curious as to why you dislike collection agencies? There must have been sometime in your life or someone you know that had a bad experience with them. The truth is Annie, we are a necessary evil. There are good collectors and bad collectors. Like in every profession. My classmate wrote his masters thesis on the necessity of collection agencies and had it published. If you like I could post a copy online and you will be able to see the impact on the economy if there was no intermediary financial recovery profession.

Steve, I would send you a copy, but first you must learn what a thesis is. And every statement I have made in this report is a fact, not opinions, like those of debtor Steve.

Steve, tell me, you clearly stated you walked away from your debt, in other words, stole money from creditors, yet you are persistent in calling collection agents criminals. Let me tell you the only thing that separates you from a bank robber is the bank robber will use a gun and mask. You are a criminal debtor. Believe it or not we are the good guys.

Chris - TEAM NCO

I sent copies of this thread to all available NCO fax#'s. I requested a reply from NCO regarding the self appointed spokesperson named Chris.

I requested verification that this person is the official spokesperson for NCO, and that his post is the official position of NCO group

I also sent emails.

Waiting for a response from the Legal Dept and/or the Public Relations office.

I think Chris may be job hunting soon.

Thanks Annie!

This "Chris" character has serious delusions of his self worth and importance. He really thinks he is superior to us all. He is a confirmed NCO cult member.

Chris, did you know that a consumer can sue you individually for your violations? Thats why you operate out of Canada. That is exactly why the operation you work at is in Canada.

Here in the States, when a collector violates my rights in the slightest, I file a lawsuit on the employee individually, and the firm. This gets the collector fired immediately.

I like these righteous types, just as I am putting my very large hands around thier pencil neck. And with these types, the neck is not the only thing that resembles a pencil!

Chris has probably been beaten up all through school, had his wife leave him for another woman, and is hung like a squirrel.

He suffers from the Napoleon complex, commonly known as the little man syndrome. He reflects his own inadequacies on others. Chris, I would love for you to come knock at my door. You are real tough while hiding behind your phone and out of the jurisdiction of the U.S. for the violations of law you perpetrate.

Chris, If you were so good at your job, how come you could not collect from me? The answer is that collection agencies have absolutely no power to do anything at all. You are powerless, totally impotent.

I shut down NCO on 2 different occasions before they even got started. Why is that Mr. all powerful? Because collection agencies cant do sh*t! Thats why.

You need to get a life and a real job.

Dear Chris,

First I would like to state for the record that I am not in financial difficulty -- nor have I been at any time in my adult life. I enjoy a 750+ credit score and even weathering catostrophic situations such as Hurricane Katrina (read my "dateline city" to see) haven't impacted my own needs. However, I look around at my neighbors, and I see vastly different stories.

Arrogant, ignorant individuals provide the fuel for companies such as NCO to operate. I am not personally calling you arrogant or ignorant...you decide for yourself where you fall.

I do, however, find exception to many of your statements. You belittle those who post as being "simple minded" and "passed over by society," and then you turn around and ruminate over the "insults" posted in response to your post. I ask, just who is insulting whom?

You state, "I don't think there is a law abiding citizen in the world that pays there bills that has a problem with the operation of collection agencies." Guess what? I'm that person. I pay my taxes, I pay my bills and I find great offense in the tactics companies like NCO use.

I am sorry you find the almighty buck and that darling Porsche (yes, I'm getting snotty here) so important. You don't protect the rights of consumers, you exploit them -- there is a marked difference.

Get back to your cult.

FYI...I do not have financial problems, I have plenty of money. I just choose not to give it to you scumbags, and there's not a d**n thing you can do about it. That's what has you pissed off.

Furthermore, your "services" have nothing to do with interest rates for consumers as you claimed.
You have absolutley no economics knowledge.

And the MAJORITY of the "debts" that NCO attempts to collect on are junk debts. You are not representing any client on these debts, you are representing yourself as the "client" as you have purchased these debts.

In addition, I chose to walk away from 23 greedy creditors that gave me a take it or leave it attitude when unfairly raising the rates of a premium customer like me who maintained PERFECT credit for more than 14 years straight. I did this by choice.

You must have the inferiority complex since you get to bully people with the phone as your weapon for your $6 an hour.

Guess what, genius? The profile of the standard collector is very scary. Most collectors have serious credit problems themselves, and usually drug problems as well. And most have an inferiority complex or the little man syndrome. These are the facts, genius.

Furthermore, I have not worked since August 16th 2005 and am caring for my Mother and Grandmother, and I have enough money to take another 6 months off. And I have 3 cars that are paid for and 85,000 dollars equity in a home.

So who is the real loser here? Can you afford to take a year off work? Not on your $8/hr or less. You are more than likely 1 paycheck from the street, like most collectors.

Go back to your cult for some more brainwashing, and don't forget your crack pipe.

Thank you for allowing us to assess your intelligence, society ranking and primitive educational background that wonderful libelous post.

I concede that NCO has its share of FTC complaints, law suits and renegade employees. You are most likely not aware, as you most likely have difficulty in reading anything that has statistical merit or minor complexities, such as corporate profiles, fiscal quarterly reports, or stock market projections; NCO is the largest financial services collection agency in the world. They are seven times larger then the second largest agency in North America. As such the volume of complaints, by volume of claims listed rank in the second lowest percentile of agencies regulated by the Federal Trade Commission.

I know it must be hard for such a simple minded person to fathom that our highest paid employees earn in excess of ten million dollars per year, and we have in excess of ninety billion dollars in assets. I think we can afford the odd million in litigation expenses for the renegade cowboy that decides to sue us. Nothing aimed at Texas there.

You probably also don't know, due to your obvious difficulty coping with life, that 96.8% of claims filed with the FTC, Ministry of Consumer affairs (Canada) and the north American civil court systems, were dismissed on summery motions and due to inability to establish prima facie grounds.

I know it must be hard to be in debt. And to have been passed over by society. I know it is easy to blame others for your deficiencies. However, if you were correct, if that ever happened, we would be out of business. The largest banks, hospitals, government bodies, would not trust us with their files. However they do. And I think that they are more financial and business savvy then you.

The last line of defense is insult. I don't think there is a law abiding citizen in the world that pays there bills that has a problem with the operation of collection agencies. I think these individuals appreciate low interest rates, the ability to drive a new car and mortgage a home. We protect that right.

The crack suggestion, speaks of your intelligence. I have never seen the substance and I don't think someone with my class or caliber would ever use illicit drugs in a professional debate. Sounds a little Budd Hibbs to me.

And, no this is my second job. I was a financial analyst with Revenue Canada, when I graduated with my Masters in economics, magna c*m laude. This job is much better as it allows me to drive a Porsche and still save money and play the stock market. Thank you for asking.

I hope you life improves. They have some great online counselors that can help you cope with your inferiority complex.

Chris - TEAM NCO.

Chris must be smoking CRACK!

The FTC will tell you this outright!

This must be Chris's first job or something.

There is no need for anyone to even speak with any representative of NCO as it will get you nowhere.

When dealing with any third party collector or debt buyer, NEVER use the phone!!

Always put it in writing and DEMAND they do the same. Use that CEASE COMMUNICATIONS request IMMEDIATELY when you are called by NCO!

They are the biggest bunch of liars and thieves in the industry. They think they are above the law. And their collectors are uneducated thugs, usually drug addicts and ex-cons, etc.

Chris, put your crack pipe back in your desk.

Chris must be smoking CRACK!

The FTC will tell you this outright!

This must be Chris's first job or something.

There is no need for anyone to even speak with any representative of NCO as it will get you nowhere.

When dealing with any third party collector or debt buyer, NEVER use the phone!!

Always put it in writing and DEMAND they do the same. Use that CEASE COMMUNICATIONS request IMMEDIATELY when you are called by NCO!

They are the biggest bunch of liars and thieves in the industry. They think they are above the law. And their collectors are uneducated thugs, usually drug addicts and ex-cons, etc.

Chris, put your crack pipe back in your desk.

Chris must be smoking CRACK!

The FTC will tell you this outright!

This must be Chris's first job or something.

There is no need for anyone to even speak with any representative of NCO as it will get you nowhere.

When dealing with any third party collector or debt buyer, NEVER use the phone!!

Always put it in writing and DEMAND they do the same. Use that CEASE COMMUNICATIONS request IMMEDIATELY when you are called by NCO!

They are the biggest bunch of liars and thieves in the industry. They think they are above the law. And their collectors are uneducated thugs, usually drug addicts and ex-cons, etc.

Chris, put your crack pipe back in your desk.

Chris must be smoking CRACK!

The FTC will tell you this outright!

This must be Chris's first job or something.

There is no need for anyone to even speak with any representative of NCO as it will get you nowhere.

When dealing with any third party collector or debt buyer, NEVER use the phone!!

Always put it in writing and DEMAND they do the same. Use that CEASE COMMUNICATIONS request IMMEDIATELY when you are called by NCO!

They are the biggest bunch of liars and thieves in the industry. They think they are above the law. And their collectors are uneducated thugs, usually drug addicts and ex-cons, etc.

Chris, put your crack pipe back in your desk.

Would you like me to look up all of the violations and list them? A junk debt buyer, an abusive junk debt buyer, needs people like you to stand up for them. I'll give you that. But you should really learn to be nice to people. This "whining" poster may become your next boss (when your NCO location bites the dust).

Gloria, be advised NCO for the most part does not deal with a consumer credit counseling service. These services are not federally licensed, insured or regulated. NCO must have granted you this as a courtesy under extreme financial hardship. You should be thankful that you were permitted the opportunity to resolve your situation voluntarily and amicably with your CCCS acting as your agent. It is your responsibility that the payments reach the creditor, the CCCS is your agent, and NCO was dealing with them direct as a courtesy to you. Understand they are not attorneys. Unfortunately once you default in a CCCS program, the balance of your debt becomes due in full and you are subject to collection, legal and debt enforcement action. I'm sure the hurricane did not strike on the same day the check was to be delivered to NCO. I'm sure if you were responsible you would have contacted your agent or sent the payment direct to NCO. Regardless of the circumstances, you breached your obligations to NCO and the client. However, you claim that it is through no fault of your own. I suggest placing your CCCS on ripoffreport.com and filing a claim for negligence. This is a key example of why we do not deal with a CCCS agency. They are shady organizations that are paid to stone wall a creditor.

Here is a footnote on a CCCS: Did you know, once you file with a CCCS, the creditor reports that information to the credit bureau as a R7, this is a very derogatory rating. A creditor considers this the same as a R9 or charge off. This rating will report to the credit bureau, seven years after your last payment. That is why it is better to pay a debt off in full, or negotiate a settlement, or even not pay at all. Your credit will be damaged for years to come.

Another footnote on CCCS: Did you know a CCCS service will cease and desist a collection agency, meaning that they will instruct the agency as your agent not to contact you the debtor, this means the agency is prohibited from communicating with you, and as such you will never know if we are receiving your money. Some shady CCCS services will take your money for years and never pay the agency, and you end up winding up in court years later.

Just pay the bill and stop complaining. Stop blaming others for the situation that you created. If you don't have the money, you don't use the credit.

Chris, TEAM NCO