NCO Financial Systems Inc Called my father's ex-wife and gave out information about my debt Horsham Pennsylvania

Even though you sue them for their violations and win money, that doesn't excuse you from still paying the debt. For instance, you may recieve money if you win in court but you will still owe the creditor. You can take the money you win and apply it to the balance but you can't just assume the debt will be paid. Several years ago I sued a company for major violations. I received money but I still was responsible for paying the debt they were trying to collect on. Needless to say I put that agency out of business and received the last penny they had. The bill was corrected ( reason why I didn't pay it to begin with)and a settlement made by the clinic and all was well. I ended up with over 3 grand after the lawyer took his share. I would double check to see who actually owns the debts they are trying to collect. Are they within the SOL? Find out if they are licensed in your state to collect. Find as much info that you can and pick them apart. If they are the ones who own the debt then there may be a chance you could settle as paid in full on all accounts and walk away with no money but a clean slate with them.

I am not saying that what the collection company did right but you do acknowledge that you owe the money to CC companies. Reporting the collection agency is a correct action since what they did was way out of line but stop looking for a wayto get out of paying what you owe. If you want your credit score cleaned up - pay the money you owe or wait seven years. Reporting a collection company does not clear the debt - all it does is stop the collection attempts. If you still know the account numbers for the CC where you incurred the debt, call them and set up a payment arrangement directly. Most will work with you since they will not have to pay a collection agency for any funds that are collected directly by them. This way you stick it to the collection agency and also clean up your credit. Stop looking for a quick fix and do whats right. In the long run you will be happy that you did.

I am not saying that what the collection company did right but you do acknowledge that you owe the money to CC companies. Reporting the collection agency is a correct action since what they did was way out of line but stop looking for a wayto get out of paying what you owe. If you want your credit score cleaned up - pay the money you owe or wait seven years. Reporting a collection company does not clear the debt - all it does is stop the collection attempts. If you still know the account numbers for the CC where you incurred the debt, call them and set up a payment arrangement directly. Most will work with you since they will not have to pay a collection agency for any funds that are collected directly by them. This way you stick it to the collection agency and also clean up your credit. Stop looking for a quick fix and do whats right. In the long run you will be happy that you did.

I am not saying that what the collection company did right but you do acknowledge that you owe the money to CC companies. Reporting the collection agency is a correct action since what they did was way out of line but stop looking for a wayto get out of paying what you owe. If you want your credit score cleaned up - pay the money you owe or wait seven years. Reporting a collection company does not clear the debt - all it does is stop the collection attempts. If you still know the account numbers for the CC where you incurred the debt, call them and set up a payment arrangement directly. Most will work with you since they will not have to pay a collection agency for any funds that are collected directly by them. This way you stick it to the collection agency and also clean up your credit. Stop looking for a quick fix and do whats right. In the long run you will be happy that you did.

I am not saying that what the collection company did right but you do acknowledge that you owe the money to CC companies. Reporting the collection agency is a correct action since what they did was way out of line but stop looking for a wayto get out of paying what you owe. If you want your credit score cleaned up - pay the money you owe or wait seven years. Reporting a collection company does not clear the debt - all it does is stop the collection attempts. If you still know the account numbers for the CC where you incurred the debt, call them and set up a payment arrangement directly. Most will work with you since they will not have to pay a collection agency for any funds that are collected directly by them. This way you stick it to the collection agency and also clean up your credit. Stop looking for a quick fix and do whats right. In the long run you will be happy that you did.

Jeremy,

NCO is among the largest violators of the FDCPA in the country.

The ONLY way to get satisfaction is to get statements from people and gather evidence of the violations and file a lawsuit for damages.

Keep in mind that the FTC does NOT do any individual enforcement, so your letter to them will just bring a form letter with generic info on your rights, etc. They will do absolutely nothing.

Illegal or unethical collection attempts do not erase a debt. Forget credit repair tips, etc. The ONLY thing that can improve your credit is time and making consistent on time payments to your creditors.

That lawyer you spoke to was incompetent. The FDCPA is very clear on this issue, so obviously he never read the FDCPA.

The FDCPA allows for up to $1000 punitive, and recovery of any actual damages and costs of the lawsuit.

Stay off the phone. Do everything in writing by certified mail, return reciept requested. Be sure to put the certified# on any letter you send and keep a copy for your records. This is very important.

Keep in mind that a statute of limitations apply, and those debts may not even be legally collectable. How old are they since first default?