NCO Financial Systems Filed a Break of Contract Complaint Against Me - Never Heard of Them - Never Called, Letter Advising Me of Debt Horsham, Pennsylvania

Robin,

First of all, NCO Group is the parent company and is licensed in Pa as the HQ is in Horsham Pa. NCO group is the largest collection agency/debt buyer in the world. They are also the worst and have paid the largest FTC fines in history.

However, Michael J. Barrist, President and CEO of NCO, just created a new company in an attempt to hide and start fresh. This was treated as a sale to throw everyone off.

Search other posts here on Rip Off Report for all details on them. I have posted the info here dozens of times.

Therefore, you should take the "lawsuit" seriously as they will follow through. You do not want to give them a default judgement which is what will happen if you fail to respond. Make them work for it.

Respond to the summons right away and also to NCO. Just stipulate that you never did business with NCO and do not even know who they are, and that you owe them nothing.

Also, the statute of limitations in CA is 4 years on any type of debt other than an oral contract. This date is calculated from the date the original "creditor" charged off the debt. Hospitals do not engage in collections as long as regulare creditors like credit cards, etc. They usually attempt collections for like 2 months then either assign it or sell it to a collection agency.

Understand that the original creditor is most likely no longer in the picture here at all. NCO most likely purchased that "debt" for far less than a penny on the dollar.

NCO must prove that you owe THEM the money. Therefore, they must prove that they own the debt or have a legal right to collect it.

Be sure all communications are in writing, and send only by certified mail, return reciept requested. Be sure to put the certified# on the letter itself and keep a copy for your records.

I hope you kick their sorry bottom feeding a**es and collect mass quantities of cash in FDCPA violations! I hate these low life grease trap sucking bottom feeder collection agencies.