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  • Report: #770354

Complaint Review: NCO

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  • Submitted: Mon, August 29, 2011
  • Updated: Mon, August 29, 2011

  • Reported By: yourcollectionrights — Concord California United States of America
NCO
Horsham, PA Horsham, Pennsylvania United States of America

NCO The Statute of Limitations have expired. Please Report Them.. Horsham, Pennsylvania

*Consumer Comment: Incorrect

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Thats right. You have not one but, two strong holds here.You not only do not owe any debt , but the statute of limitations on the debt have have also passes.Its five years in Missouri. Most debt collection agencies stop with the cease and desist letter(in a certified mail asking for a return receipt-also like said above do not divulge any account or personal information/do not sign etc.,).But, a few agencies, stop for a while i.e., a month or so and its back to square one.Sadly, NCO IS one of them. www.yourcollectionrights.com

So, don't be surprised if they call you even after they sent you the letter. I would say harass them back if they harass you.Well, at least basically. You can file a complaint. The FTC has already received dozens of them on NCO.It most likely will take action/or contact the attorney general of your state.Tell them you are to sue and are in contact with the attorney. That usually does it.

This report was posted on Ripoff Report on 08/29/2011 03:52 AM and is a permanent record located here: http://www.ripoffreport.com/r/NCO/Horsham-Pennsylvania-/NCO-The-Statute-of-Limitations-have-expired-Please-Report-Them-Horsham-Pennsylvania-770354. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Incorrect

AUTHOR: Ashley - (U.S.A.)

I live in missouri and not all debts havd a 5 year window on them. Many have a 10 year window:

http://www.fair-debt-collection.com/sol-by-state.html#26

" Missouri Statutes of Limitation

Written agreement that contemplates the payment of money or property: 10 Years, (Mo.Rev. Stat. 5l6.ll 0). NOTE: Under certain circumstances, the contractual statute of limitations may be reduced to five years.

Open accounts: 5 years, (Mo. Rev. Stat. 5l6.l20).

Sale of goods under the UCC: 4 years. NOTE: The statute begins to run from the date when the breach occurred for contracts and from the time of the last item in the account on the debtor's side for actions on accounts. "

So things like medical bills, car payments, mortgages, etc all have a 10 year window because they are contracted debt. Things like credit cards have a 5 year statute of limitations starting at the last activity on the account. Also, a cease and desist letter will only stop phone calls, they can contact you in writing still all they want. Also, you do need to include some personal information on a cease and desist letter. Otherwise, how do they know you wrote it? You should include at least your name and the account number being referenced in the debt.

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