NCA Financial The Truth Ex Employee Speaks Sacramento California

First, THANK YOU for blowing the whistle on these vile people.

I experienced EVERYTHING you have mentioned. I was threatened, my friend was contacted and NCA claimed he was my employer and harassed him, which was awful because he was working on becoming a US citizen and it freaked him out and caused me to have anxiety attacks. They called me abusive names, they took me to court and had me produce all my bank records. And because once I was stupid enough to sign something a guy came to my door with (early on before they had ever contacted me), they were able to remove all the $$ from my bank accounts and they did it. I nearly lost my place of residence. They sent my landlord notices and hassled everyone they could. They threatened garnishment.

They harassed me for EIGHT years, and strangely, they have not bothered me lately so I am wondering what is going on. I am still paranoid about when/where they might strike next. They removed all the money I had in my PayPal account as well as a B of A account several times.

Luckily (sort of), I work for myself, and I don't own anything thanks to going nearly bankrupt years ago (which started all of this). They are really trying to get blood from a stone - they asked me to get the money from my family or friends! And the original amount was about 3 or 4 thou and now it's about 12K.

I hope that one of you disgruntled employees deleted my account :)

In any case, the relief you have given me by posting this is immeasurable and I cannot thank you enough for taking the time out to write this report, and help people that NCA has illegally harassed and stolen $$ from.

Since there was a judgment on me, can I still sue them? What kind of damages were people awarded?

Thank you a million. You are very brave to do this and I'm not a bit surprised to hear about Michael as I spoke to some really vile people there and they are lower than scum.

I worked for this company for a very short time in 2008. I had just graduated with my Criminal Justice Degree and was working as a Skip Trace Investigator. I have to agree with the original writer. This company is one of the worst companies to work for, I was so disgusted with how they ran things, When I had a supervisors approval to go to a training class for two days, I had an HR rep call me to tell me tat I did not have approval and than said I was laid off. I tried my best to do everything as legal as possible but so many people in there were breaking laws left and right. And as for Michael and his son Michael, they are to of the most horn dogs in a company. Luckly the company closed its doors!

They wont settle, they will just keep coming back for more. Stay off the phone with these people. Do everything in writing. Do yourself a favor and download a copy of the Fair Debt Collection Practices Act. (FDCPA) Google it and download the PDF version.. READ IT!!!

Send them a letter demanding they validate the debt. You can google these on line.
The one I used was

Re: Acct #

To Whom It May Concern:

This letter is being sent to you in response to a notice received on (Date here).

Be advised that this notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692(g) notifying you that your claim is disputed and validation is requested.

This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named title and section. I am requesting that your offices provide me with competent evidence showing proof of debt. Furthermore, under the above stated act, you are expected to cease all attempts to collect this debt until such time as you have validated the debt.

I am requesting the following information:

A. An accounting of the debt, including date of last activity.
B. Provide me with copies of any papers showing I agreed to pay what you say I owe
C. The name and address of the original creditor
D. The original account number.
E. Proof that I ever obtained this debt.
F. Proof you are licensed to collect in the State of New York
G. Your license numbers and the name of your Registered Agent.

I am further notifying you that all further communication be made in writing. No telephone contact is to be made by your offices. Attempted telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties will be considered a violation of the above act.

Sincerely


PRINT YOUR NAME, DO NOT SIGN IT.... Send it certified mail.


I

First of all, you CANNOT [legally] get a judgement against anyone without FIRST suing them and winning. Thats just the way it is.

Second, it is ILLEGAL to sue in a debt collection case for anything over the base amount of the account. "Collection fees" and the like are ILLEGAL.

Getting lawyers fees and court costs in addition to the suit anount is NOT automatic. You have to be granted that amount separately. You cannot just add it in to the base amount of the suit.

Third, go back to school as you are borderline illiterate. That is probably why you were doing third party debt collections in the first place.

Did you know that victims of your illegal and unethical collections practices can sue YOU individually in addition to suing the collection agency?

I always go after the individual collector. Then, YOU pay my legal fees and costs.

I need your advice. I first made contact with NCA a few months ago over a debt that I did not believe I owed. The total they were asking for was less than $200 but I wanted to try to resolve it with the original company. After being unable to get things settled with the other company, I have decided just to settle with NCA. How do you suggest I do that so that the account will be closed and settled for good? I do NOT want to have to worry about legal fees and law suits!

As the original author of this report. I'm glad that the information I provided could be of some help of either people that have been victims of these looser's, or individuals who are thinking of working for these people.

Yes the address listed in my report above is in fact their actual location where they do business. It's a pretty new building so the images you see on Google earth may be old. The are located right next door to the ITT Tech; you can't miss them.

As for the individual who would like to get in contact with me. If you have any questions, please feel free to ask them over this site, and I will be happy to reply.

My mother was a victim of NCA Financial, too. Her letter has already been submitted here at RipOffReport.com. Yes, she still gets phone calls like they never went to court.

I wanted to comment on the ex-employee's report. I am happy that you got out of there. It is hard doing a job where you have to be the "bully" & do bad things to people you don't even know. I praise you for coming here & reporting what you know. I went on Google Maps last night after getting the new address for NCA from your report. The map landed me in the middle of the street on Lincoln Villiage Drive. There are parking lots on both sides of the street, but the businesses there look like they are on the adjacent street. What is with that? Is 9738 Lincoln Villiage Drive really the true address for NCA Financial?

I hope the author, ex employee, reads this. Please let me know you have read this and I will make arrangements to speak to you.

Thank you!!!