NCO Financial Services recieved a call from them, multiple calls Horsham Pennsylvania

Michelle,

You may accidentally re-affirm a debt that is NOT legally collectable.

NCO is famous for attempting to collect OLD, Uncollectable debts known as time barred debt.

The MAX Statute of Limitations in IA is 5 years. If more than 5 years has passed since the first major delinquency on this debt, it cannot be collected.

However, paying on it, or even agreeing to pay on it will restart the SOL and the 7 year negative reporting.

It is best NOT to speak with them. DEMAND that all communications be in writing.

Write a request for debt validation and send it by certified mail, return reciept requested. Be sure to put the certified# on the letter itself and keep a copy for your records. Also, DO NOT sign the letter, PRINT your name, and initial it.
They have been known to copy signatures and forge documents.

In this letter, specify that you dispute the debt, and request that they send you proof of the debt, such as something you signed to create it and/or an account history report.

They would need this in court if it ever went that far, and I doubt seriously that they could produce it.

NCO purchases old debts like this ne for less than 1 cent on the dollar and usually the files are incomplete, so DO NOT give them ANY personal or employment info. NOTHING!!

Hope this helps