NCO FINANCIAL SERVICES ripoff fake credit card account Horsham Pennsylvania

We finally got a letter from NCO yesterday stating that the account was closed and we would no longer hear from them. LET'S HOPE SO!!! I'm so happy for this web site or I probably would still be fighting with this company.

I too have recently passed the 30 day limit for NCO to respond. But I don't think we should assume that we're safe yet. I intend to send them another letter, restating the fact that the debt is invalid and that I requested verification as provided by FCRA.

Then point out that they have not responded within the 30 days AS REQUIRED BY LAW. While this itself is grounds for legal action, as is the original attempt to collect on discharged debts, I will not pursue legal remedies provided the account is closed and I do not receive any further correspondence regarding this matter and it does not appear on my credit report. If the account appears in any form I will pursue any and all legal options available.

It will be 30 days this Sunday since I sent my letters to this company, they have yet to contact me with verification of this so called debt. Hopefully I will never here from them again!

I got my response back from the FTC today. It wasn't much help. It basically told me to do what I have already done and what the laws are regarding fair debt collection which I also already knew. There is one other avenue I'm proceeding with and that is to file a complaint with The Association of Credit and Collections Professionals of which NCO is a member. You can get the form emailed to you at www.acainternational.org. Probably won't do any good but anythings worth a try at this point. I also sent cease and desist letters to both addresses of NCO Portfolio and NCO Management. I want to thank whoever brought that to my attention.

Add me to the growing list of early 90's bankruptcies being targeted. I've taken all the necessary steps to resolve this matter on a personal level. Also have notified state Attorney General and USPS Mail fraud regarding this.

One thing I wouldn't do is flood the company fax machine. Could leave you open to being charged with harrassing THEM. Sad but probably true.

I have used a Cease and Desist letter once and they "do" work. Make sure you send it certified mail with "return Receipt requested" There are links where you can find these letters, copy and paste them and fill in the information for your particular situation.

I had a run in with NCO 9 months ago. It was a debt I did owe. I called them, paid them in full and have not heard from them since. I just pulled my credit reports only to find that they have been reporting for 9 months for a $15.00 balance. I have my records and will pursue.

Good Luck-