Applied Card Bank - Ncl Aka Nco Financial I recieved a letter from an attorney saying I owe this company $1,176.41. This is a fraudulent account. I have NO information on this account. And they WON"T provide me with any. I've attemtped to contact this company several times to resolve this issue, only to be disconnected. Wilmington Delaware

Too bad they never give up - the invalid debt collectors.

There was one slimey debt collector company we helped put out of biz a number of years ago, Camco. And even though they're were totally shut down by the feds, yep one morning they were raided and doors closed & records seized. Yet they were still able to sell their list of stale debts, drum roll pls, to our pals at NCO.

And I'm guessing at some point in time NCO will eventually sell their inventory of uncollectible debts to someone else. And the cycle of morons calling will begin anew.

Speaking of such, yea NCO did turn my invalid debt acct over to a law firm, but they seem to have given up too. I mean gosh you'd think a lawyer with a brain wouldn't bother collecting a debt that doesn't have any paperwork or other info, besides my phone number. I mean unless Hunt & Henriques has nothing else in the world to do but hire a robot phone machine. But when I looked them up they seem to gross millions in revenue.

Applied bought Cross Country Bank. Have you ever had a credit card from Cross Country Bank? Since Cross Country was such a mess, Applied may not have the proper paperwork to validate the debt.

You should also check with the various clerks of court. Check with Dade County (Miami, where the attorney is), check with Palm Beach County (where Applied is located) and check with your county court to see if a lawsuit is even filed against you. I know you can check online with Dade and Palm Beach Counties. I don't know if your county has online access.

Yes, be interesting to know the name of the law firm or attorney that chasing after you. Hunt & henriques here in Calif was the law firm that had been calling me for months, well their robot was giving me a lameo blah blah please call us message. They finally stopped calling a couple of weeks ago.

yep their m.o. is the same as the rest of the bottom feeders, no info, no nothing, just phone calls. my answering machine talking to theirs.

the name of the alleged attorney and firm he allegedly works for?
Do not call them at all until more investigation is done.

It doesnt say anything about NCO on Applied's website The pretrial conference may be a scare tactic. NCO is a third party bottomefeeder slimeball outfit. Assuming they aren't related, send them a certified letter without signing with your handwritten signature requesting they validate the debt. Do not talk these vermin over the phone; it will get you nowhere and lead to more frustration. If you want more information about this corrupt bunch of misfits go to budhibbs.com and read all about them. The site provides good tips, as well dealing with pondscum like this.