NCO ripoff HARRASIING THREATENING TO PUT IN JAIL CALLING MY X-HUSBAND FROM 16 YEARS AGO TELLING HIM IF I DIDNT CALLTHAT DAY I WOULD BE PICKED UP AT WORK BY SHERRIFFS HORSHAM Pennsylvania

Rebecca,

I see everyone else already gave you most of the good info, but I'll throw in my 2 cents anyway.

This is rule # 1! NEVER speak to ANY debt collector on the phone!! It will never do anything positive for you, and will almost always make things worse for you.

NCO is a bunch of JUNK DEBT BUYERS. They buy old debts like this for less than a penny on the dollar.

And, being in CA that debt from 1992 is past the statute of limitations for collections.

The only thing to do now is send the CEASE COMMUNICATIONS letter by certified mail, return reciept requested. Put the certified # on the letter itself, and keep a copy for your records. This is very important.

The only thing you never ignore is a summons. It is a very small chance they ever file a lawsuit. However, they can't win this one anyeay, so let them waste the time and money!

Relax..

They CANNOT do anything to you. They just try to get you to respond to reel you in. Ignore them and go about your life, they will give up when they constantly get no response.

I have been in the same boat with another company who made threats similar to yours and even more vail threats - these threats are a violation of the Fair Credit Act and Steve can help you explain what you can do.

Check you state laws about one way tape recording to see if you can tape what they say to you.

I got a great attorney to handle my case and you may want to do a web search in your state to find legal services that handled this type of litigation. Also, check out Bud Hibbs website - he has some good information. Keep your chin up!

Stacey

I have been in the same boat with another company who made threats similar to yours and even more vail threats - these threats are a violation of the Fair Credit Act and Steve can help you explain what you can do.

Check you state laws about one way tape recording to see if you can tape what they say to you.

I got a great attorney to handle my case and you may want to do a web search in your state to find legal services that handled this type of litigation. Also, check out Bud Hibbs website - he has some good information. Keep your chin up!

Stacey

I have been in the same boat with another company who made threats similar to yours and even more vail threats - these threats are a violation of the Fair Credit Act and Steve can help you explain what you can do.

Check you state laws about one way tape recording to see if you can tape what they say to you.

I got a great attorney to handle my case and you may want to do a web search in your state to find legal services that handled this type of litigation. Also, check out Bud Hibbs website - he has some good information. Keep your chin up!

Stacey

I have been in the same boat with another company who made threats similar to yours and even more vail threats - these threats are a violation of the Fair Credit Act and Steve can help you explain what you can do.

Check you state laws about one way tape recording to see if you can tape what they say to you.

I got a great attorney to handle my case and you may want to do a web search in your state to find legal services that handled this type of litigation. Also, check out Bud Hibbs website - he has some good information. Keep your chin up!

Stacey

Regarding NCO, here is a letter that you should immediately send to them by certified mail with return receipt.

1. Replace > with your information.
2. Send it by certified mail with RETURN RECEIPT.
3. Immediately, file a complaint with the attorney general's office in your state.

*****

Demand Letter to Stop Debt Collection Calls


Date of Mailing: >
Collector's Name: >
Collector's Address: >

Mr./Ms. Collector, et al:

I am writing in response to your constant phone calls! The latest call was last week, harassing my spouse, and on prior occasions, were at morning and/or inconvenient times. You are herby given NOTICE TO CEASE AND DESIST HARASSING ANYONE AT MY HOUSEHOLD. Furthermore, a copy of this notice will be filed with the State of > Office of the Attorney General.

IN THE EVENT THAT YOU WISH TO BREAK THE LAW, VIOLATE FEDERAL AND STATE STATUTES, AND HARASS ME, IT IS DEMANDED BEFORE YOU MAKE ANY FURTHER COLLECTION ATTEMPTS, THAT YOU PROVIDE SUBSTANTIAL PROOF OF YOUR CLAIM, WHICH INCLUDES THIS DEMAND FOR TRUE COPIES OF ALL RELATED DOCUMENTS AND SIGNED RECEIPTS FOR THE FULL TERM OF THE ACCOUNT, ET AL. YOU ARE ALSO BE REQURIED TO SHOW ANY AND ALL EVIDENCE REGARDING YOUR CLAIM, INCLUDING ANY AND ALL COMMUNICATIONS WITH YOUR CLIENT FOR THIS COLLECTION ACCOUNT INCLUDING A TRUE COPY OF YOUR CONTRACT WITH YOUR CLIENT AND DELIVER TO ME BY REGISTERED MAIL. WITH YOUR MAILING, YOU ARE HEREBY DEMANDED TO INCLUDE THE NAMES OF THE PRINCIPALS OF YOUR COLLECTION COMPANY.

THEREFORE YOU ARE IN VIOLATION OF THAT NOTICE, AND A COMPLAINT WILL BE FILED AGAINST YOUR COLLECTION FIRM AND ITS PRINCIPALS, AS WELL AS THE WITH THE > OFFICE OF THE ATTORNEY GENERAL, PLUS A THIRD COMPLAINT WILL BE FILED WITH THE FEDERAL TRADE COMMISSION REGARDING YOUR FAILURE TO ADHERE TO THE NOTICE GIVEN IN THE PAST TO NOT HARASS ME BY TELEPHONE.

YOU ARE THEREFORE GIVEN NOTICE THAT YOU HAVE VIOLATED THE FEDERAL FDCPA PER YOUR HARASSING TELEPHONE CALLS ON REPEATED OCCASIONS. YOU ARE HENCEFORTH ORDERED TO STOP IMMEDIATELY, ANY FURTHER HARASSMENTS.

According to the Fair Debt Collection Practices Act, [15 USC 1692c] Section 805(c): CEASING COMMUNICATION: You must cease all communication with me after being notified in writing that I no longer wish to communicate with you. Therefore, I demand that you stop calling me at home, at work, on my cell phone or at any other location!

In accordance with the federal FDCPA, now that you have received this "stop calling" letter, you may only contact me BY MAIL to inform me that you:

are terminating further collection efforts;
invoking specified remedies which are ordinarily invoked by you or your company; or
intend to invoke a specified remedy.

Be advised that I am well aware of my rights! For instance, I know that any future contact by you or your company violates the FDCPA and that since you already have my location information, calls made by you or your company to any 3rd party concerning me violates section 805(b)2 of the FDCPA.

Be advised that I am keeping accurate records of all correspondence from you and your company, including tape recording all phone calls. If you continue calling me I will pursue all available legal actions to stop you from harassing me and my family.

Signature
>

THIS NOTICE MAILED BY CERTIFIED US MAIL WITH RETURN RECEIPT, CERTIFIED RECEIPT >

First of all, you can't go to jail for a debt.

Next, ask them to verify that you owe any money to them (by mail, DON'T talk to them on the phone!). NCO is known for their crap, don't fall for it.

Keep watching your report for Steve (from Bradenton, fla) to answer, I'm sure that he'll calm your fears from these predators! In the meantime, don't sweat their threats, they are without merit.

Good luck, and we'll watch for updates.

I am not bringing any helpful advice to you Rebecca, just some emotional support....

Keep checking on this report, because I bet you anything that Steve B. in Florida will be in here offering you some sound advice for getting the help you need.
Don't fret, there are ways to get these piss-ants off your back.

NCO is right up there with the likes of Boyajian, United Collection Bureau, Bay Area Credit Services and a few others that push the limits in abusive collection practices.

Oh, Mr. Steve, (picture me taking a quick glance around cyberspace in search of him)......where for art thou?
I'm betting he will be checking in and find this report of yours Rebecca....

Meanwhile, get with your bank again and see if they will confirm in writing that you have never had a bad check. Log the calls and such, and keep your mind busy until you have the information you need to stop these butt-faces.

Don't let these bullies intimidate and get to you...they are puke stains....

Hugs,