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I had the unfortunate experience of working for the unprofessional zoo known as NCO Financial Systems Inc. They are the absolute reason for all my years in the collection business to stear clear of collection agencies.

To all consumers/debtors contacted by NCO Financial take heed:

VERIFY your debt, you have 30 days from the placement date under the FDCPA to verify or dispute also to make arrangements to pay.

Become familiar with the laws, know your rights, review the FDCPA.

They will DEMAND immediate payment TODAY, they will tell you it is "pre-legal" or thier "attorney is on hand reviewing your account" or "the client is waiting to move forward legally". Statements such as these are untrue and violate the FDCPA.

Check the laws in your state.

They can NOT call you everyday.

If a message is left on your answering machine with anything more than NCO, name, number and the mandatory mini miranda it is a violation; keep the message and report them to the FTC and Attorney General, the message should only contain the 4 items above.

If they discuss your debt with a 3rd party including your spouse without your permission it is a violation.

NCO collectors work on salary (vs.) commission and must reach a monthly goal, management who are just as rude as the collectors push this daily. They push excessive aggression to make office goal.

If you experience problems from NCO, contact your creditor and alert them, the more complaints the creditor/bank gets the more it will help stop thier tactics.

PAY YOUR DEBT, but pay it to your creditor directly, NCO hates that!

Lastly, review your credit report. Go to annualcreditreport.com it's free.

Location: Charlotte, North Carolina

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Guest

Worst company ever.Took it upon themselves to add a debt that never existed to my credit report.And then deleted the original bill...nothing but a nightmare don't paY them a cent pay the original creditor

Guest

I was enrolled in a school called James Madison high school and I got sick and went into a coma for 4 1/2 months do to me healing and getting better I asked can I return and finish my payments and classes they told me no so after so many years my credit is poor because of it what can I do to resolve them issue they won't answer their phone and I am stuck with this finical debt

Guest
reply icon Replying to comment of Guest-1133424

hi, you sound like you are young, the credit will clear in 7 years so go on with your life - finish your healing and education and get a cosigned loan and PAY IT OFF FAST

that good loan plus you not having any more defaults will make your credit good - you just have to be patient............dont worrt - be happy

Guest

I am getting calls from an unknown number and they leave a long message telling me I need to call another # saying that they need to serve me court papers blah blah blah. I called the other number which I had no case # to give them there wasn't one left the company claimed to be portfolio management which after research I found out it's most likely this company anyway, they insist it isn't about a debt but process servers don't make appointments and they never show up.

This harassment has to stop. I have saved the voicemails and I am still waiting for the debt verification and the process server.

Guest

NCO does not work on salary or commission, their agents work on a hourly wage (and usually a low on at that). I worked there for 10 years.

To correct you the fair debt collection act says they can call you every day unless you request communication by mail, and then they can mail you every day. But please be kind to these people they have a boos that has policies and they are just trying to pay their bills just like you apparently aren't or your account would not have ended up at a collection agency.

Another thing, NCO is okay of you pay your creditor directly because the creditor has already paid NCO to collect, and if NCO bought the debt and you pay your creditor they have to pay it forward to NCO so you are actually hurting your creditor more by making them take the time to process a check and send it to NCO.

Guest
reply icon Replying to comment of Guest-1017809

Stay Anonooumous ***. you can take legal action.

Guest
reply icon Replying to comment of Guest-1017809

You're ignorant about collection laws, of course. Calling every day is harassment, ans *** bottomfeeders can be sued for that, whether it's your debt or not.

As a paralegal, I've processed many such lawsuits for consumers. Educate yourself.

And not everyone who owes money is a deadbeat. Life happens.

Guest
reply icon Replying to comment of Guest-1017809

Since this is a scam and you may have ended up on this list as an attempt to bilk money from you, it isn't fair to say people didn't pay their bills so it's okay for bloodsuckers to harass them.

Guest

Here's my solution to the constant calls from NCO. When they call, hang up and call back...I did.

THEN, i told them to stop calling me every day.

When he went to verify my number, i blew my whistle. Let's just see if i get another call.

Guest

Haha...and then they wait until the last day of the month to terminate a dozen of their highest collecting employees. The daylight supervisor (as per the night supervisor's report) apparently doesn't like the night shift collecting more than the daylight. So they fired a bunch of hard working employees on the last day of July with bogus reasons such as, "tardy, disruptive, and so forth" In this economy....NCO ought to be ashamed!

Khadijah Mnp

Here's what you do. Go to a sporting goods store and buy a nice referee's whistle. Feel free to answer the phone when NCO calls and when you get a live person, give them a mighty blast in the ear with the whistle.

It's also really effective for phone solicitors that don't know when to stop calling.

Guest

I had a school loan which I was not able to pay in full each month so I was making payments that I could make to keep good faith and out of nowhere they decided to return my online checks and a few months later NCO is calling me nonstop! F them, Now they want to Garnish my pathetic hourly rate! I'll quit and work under the table before this happens!!

Guest

WRONG PERSON,TOLD THEM, THEY CONTACT ME 50 TIMES A WEEK!!

Guest
reply icon Replying to comment of Guest-128213

You can sue them and they have to pay your attorney fees. Check onlne for debt collection firms. Don't tolerate this.

Guest

get over it 2 you're an ***, I have proof that i don't owe any one and told them they have the wrong number, and they still call up to 75 times in the last month, Even after I told them they have the wrong number and the wrong person, I have had my phone number for 10 years and they still call, now I am suing them for wasting my time, Lets see how long it takes them to loose my number now!!!!

Guest

NCO Financial has threatened me for too long now!!! The first weasel that threatened me was a Peter Manianis who wouldn't even let me speak to a manager!! He claims to be the boss of this rat hole.

Then when Peter couldn't get the money he had someone named Carly call me every day morning noon and night. This is after they told me they were suing me which never happened.

Never deal with these people of beleve anything they say.

Guest

I have been put in the position that I can not pay my debt. The problem is that NCO calls my house constantly sometimes 6 times or more a day, from different numbers.

Ihave asked them not to be calling me anymore. But then the calls increased. Its not that Im trying to avoid my debts but am working with a debt reduction service.

They will get their money but as I can pay. THE COMPANIES I owe have all been sent letters notifying them that I have contracted them to work thru this.

NCOSUCKS

GET OVER IT 2!!!!!

I would be nice if they would stop calling when they have the wrong person. They have called my 10 year old son at least 10 times. He actually knows how to hang up on the automated dialing machine now before the person gets on.

As far as I'm concerned they are not smart enough to quit wasting their time calling the wrong person and now they are wasting my time.

Guest

I would understand if they were contacting me over a bill that hadn't been paid. However, they are calling 6 and 7 times a day plus sending threatening mail over an accout that's current. Shouldn't they have held off contacting me until there was a problem with payment?

Guest

I have a question...I thought that once a creditor sold their debt to NCO that interest could no longer be added to the current debt...Is that true?

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