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Posted by on 09/03/2003
everyone please post the #,s for NCO so we can call them all the time and give it right back to them

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Posted by jett on 2003-09-03:
A previously posted review had a phone number of 888-626-8381 to call someone named "Candice" at NCO? Might want to try it...
Posted by Anonymous on 2003-09-04:
I have a number for NCO. A really rude lady named Star Knox called this was the number that she gave (800) 709-8625
Posted by Anonymous on 2003-09-05:
You talk about collection agencies harrassing debtors, and now you want to harrasse the collection agency? Well you can be charged if you call these collectors to harrasse them. And yes you can be caught, your email address is on this forum and candice comes here a lot, you even have her phone number, I think I should warn them and tell them about this site and have you charged if they even get one phone call. Loser
Posted by Anonymous on 2003-09-05:
collector - thank you for the advice - transcrips are all going to FTC since you call at my employers - expect to be sued.
Posted by Anonymous on 2003-09-06:
Ok? That doesn't make sense to me. I personally never called your employer, whether another collector has or not is a different matter altogether.
Posted by Anonymous on 2003-09-22:
Telephone number: 1-800-377-3663
NCO Financial - HORSHAM, PA
Posted by Anonymous on 2003-09-23:
NCO calls people at work even tho they have been told NO CALLS AT MY WORK So why shouldnt we call NCO at work???
Posted by Anonymous on 2003-09-23:
NCO calls people at work even tho they have been told NO CALLS AT MY WORK So why shouldnt we call NCO at work???
Posted by Anonymous on 2003-09-25:
You're a bunch of retarded loners who have nothing better to do than sit in your trailer parks on welfare and try to make other peoples lives harder. Get a life and leave the collectors to do their jobs!
Posted by Anonymous on 2003-09-30:
I noticed them a few times on my caller ID while I was at work. The number each time was 757-687-6748. That's area code is the Hampton Roads area of Virginia. Haven't talked to them about what it concerns yet. Will post later.
Posted by Anonymous on 2003-10-09:
Candice needs to get a life..YOU'RE (not your) acting all high and mighty when actually all you are is a puppet on strings, working your ass off for someone else's profit..poor thing.
Posted by Anonymous on 2003-10-19:
again, if you "deadbeats" will pay your credit cards collectors wont call you.
Posted by Anonymous on 2003-10-23:
Chris Has poopy pants
Posted by Anonymous on 2003-11-04:
NCO 507 Prudential Rd Horsham PA 800-392-2031
Ask for Jessica Banks
Posted by Anonymous on 2003-11-09:
I like to talk to them about the weather, where they are, etc. Drives them crrrazy. They are also located in the tidewater area of Virginia. Chris, your'e late for work at NCO - get a move on.
Posted by jenannie on 2004-02-20:
Funny thing, Chris. Not all people who have collections are losers who don't pay their bills. Some, like me, have 2 college degrees, and suffered illness which caused us to be out of work for several months. It's amazing that my bill with NCO is a MEDICAL BILL!!!! I have since repaired my credit completely, but you should give these other people a break. If you don't know the full story, don't assume that they are losers. Oh, and by the way...credit collection on the phone at work or repeatedly at home is harrasment and is punishable by law. That's what the Attorney General of your state is for. Write them a letter and give the details of the harrassment...they will contact NCO and request that a stop be put to the harrassment and if not, then you have the opportunity to sue.
Posted by pokey88 on 2004-03-02:
I use to work for NCO. And trust me, they do tell us how to "get around" some of the FDCPA rules. So any collector who comes on here and says otherwise is a liar. If it is over a credit card debt, NCO themselves can't actually say they will take you to court, but the actual credit card company can. We were allowed to say that. Also, you might want to check up on the FDCPA rules for your state, and make sure NCO is following them. I know we didn't follow them on every call.
Posted by slam5 on 2004-03-04:
NCO Financial Systems FYI:
I conducted my own research on NCO to find out who was running the company, and let them know of
unfair practices from their agents after repeated attempts to resolve the debt they say I owe. Here is their information:
President: Michael J Barrist (no info found)
Vice President: Charles C Piola Jr (610) 696-2843
339 Barn Hill Rd, Westchester, PA, 19382-2336
Secretary/Tres.: Steven L Winokur (215) 643-7473
203 Carpenter Ln, Ambler, PA, 19002-2711
I got a fax machine when I called Mr. Winokur
Posted by DebtorBasher on 2004-03-08:
Pokey: And what becomes of NCO collectors who "get around" the laws? They become EX-EMPLOYEES! You're living proof of that! And Slam: All of those names and number you gave doesn't take research...it is all available for anyone who wants it, and what about the number for Mr. Barrist? Hummmm...not quite the researcher you thought you were! His number is right in front of your face, open your eyes!
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Illegal Practices
Posted by Misstweek on 03/30/2005
TEXAS -- Recently pulled my credit report because I am thinking about buying a house. There is an entry from NCO on there that I had never seen before. I tried to contact NCO to find out what it was for exactly and just pay it off. well, that's when the fun began. The first five times I called I was hung up on when I asked for validation. So now I'm a little upset. OK, easy fix, contact the original creditor(an electric company), get a bill from them and just pay them. Next problem, they have no record of me ever having an account with them and I had never heard of them either. I dispute the entry with the CRA's. Amazingly it comes back verified. Call NCO again, finally get someone who will stay on the phone. He tells me its for an address for a house I moved out of in June 1999. He also told me that it was set to go to their legal department in 11 days. I requested that an original bill be sent to me. Well, on March 16 I get a letter from their legal representation (Boyajian Law Offices) saying that I never sent the payment I promised. HUH, I never promised a payment, I want some sort of proof. OK, now I'm really ticked. Call Experian to find out how they verified this debt when I can't get any info from NCO on it.

Now I find out something real interesting. NCO is reporting this as first going delinquent in March 2003, but originally had the first delinquency date as February 1999. Cute, account starts getting old just reinvent the date. The really weird thing is how could it even be February 1999 when I lived in that house till June 1999. Pretty sure I had electricity, think I would remember if I didn't. Seems like they just like to make dates up. The really funny thing is if they had just sent me a bill when I first tried to call them I would have probably paid up thinking that it was a utility bill I just forgot about. Now they have gotten me mad and I am reporting them to every governing agency I can think of.
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Posted by Anonymous on 2005-03-30:
Hmmm That seems interesting, hang around because there are some really talented people that can probably help you on this. I would suggest you pay close attention to posters such as Debtbasher, Mad Eye, and maybe Legal Collector for your best responses on NCO. Good Luck
Posted by DebtorBasher on 2005-03-30:
Hmmm...I may not be much help on this one. One reason being that I have no idea where the changing dates are coming from. Up to this point, you've done everything you can and reporting to the governing agencies may be your next best step. The most important thing is to keep everything documented and keep a paper trail, keep track of all the phone calls you make and the ones you get from NCO, get the names of the people you speak with etc. and good luck to you.
Posted by ejack053824 on 2005-03-30:
Oh yeah...I would strongly considering seeking advise from a consumer law attorney who would guide you to your next legal step. Me personally....I would rant and raise hell till I got something done. Suing them would be my first avenue since they like to reinvent dates.
Posted by tander on 2005-03-30:
Good Advice Debtbasher, very well put.
Posted by Mad Eye Moody on 2005-03-31:
There are FCRA infractions, as well as some possible FDCPA violations...(w/o knowing the details I can't really confirm the latter). You DO need to contact an attorney - many will work on contigency. You've got the CRA and the CA shirking their duties, and subsequently violating the rights afforded to you under both protection acts. (FDCPA, and FCRA)
As Basher said, keep a very detailed paper trail, and record calls. (Your lawyer will advise you as to how they can be admitted into evidence if possible and if necessary) You could get a good chunk of change. Sure, it could be solved by a few letters...MAYBE; however...when did it become your job to do their research?
Posted by LegalCollector on 2005-03-31:
Just dont spend your winnings on tweek, misstweek.
Posted by misstweek on 2005-03-31:
So far i have filed complaints with the FTC and the PA attorney generals office. They got fined $1.5 million last year by the FTC for changing dates, you would think their executives would be smart enough to stop. Goes to show how smart corporate executives are.
Posted by stopNCO on 2005-04-01:
They also "re-aged" accounts with small $2 and $4 payments (starts your 7 years over). If you would like an attorney to hear about your experience with NCO (for possible litigation), go to www.stopNCO.com and tell your story. The attorney has already been retained, there is no fee to discuss NCO's abusive practices.
Posted by GoingCrazy on 2005-04-08:
My credit report was pulled because we are trying to build a house. There was a collection from NCO that I had no idea about. When I called the collection was on my account but was for someone totally different and living in a different town that I had NEVER lived in. NCO keeps giving me the run around about it. It is about to drive me crazy!! WE have got the money as long as I can get this stuff settled!!!
Posted by DebtorBasher on 2005-04-08:
GoingCrazy: Send in a letter explaining your dispute (the fact that the account isn't yours), contact the three credit bureaus and keep record of all your contacts and letters. If you have proof the account isn't yours, cooperate with NCO and send them whatever you need to help with your dispute. You have to determine if it is a case of the wrong person being placed on your report or if it is a true fraud in your name. If it's fraud, you will have to contact NCO and give them the information, the first thing they will ask is if you've filed a police report for fraud. They will walk you through the procedure.
Posted by 911causedmyheadaches on 2005-08-17:
TO the basher, you know I thought you were actually trying to be a help to these people, until I read that last post with you saying Hmmm, don't know how the dates got changed. You know that NCO does that to keep that debt within the SOL. Who do you think your kidding. Your company and you should have nothing to be proud of, your equal to the Mafia. Extorting your way through life and taking advantage of peoples set backs.
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Law suits
Posted by on 09/20/2003
Approximately 40 suits have been fiiled against NCO for abusive collection practices in 2003. Anyone care to be a witness? Let me know....
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Posted by Anonymous on 2003-09-20:
I recieved a call from this company,A FEW MONTHS AGO, about an alleged debt that I owed-a debt from Airtouch Cellular from an account in 1993(Airtouch is now out of business-thought that this was convenient i.e for NCO)when I asked for proof of this debt I was hung up on.I called back and I was told that they would transfer me-again-same thing.I called again,this time I was put on hold,after 7 minutes I hung up and then called back from my Mobile phone(I guess that they have caller i.d. LOL)Surprisingly I was able to get through to the first guy...I asked that he provide "proof" of this "debt" or,otherwise,refrain from calling me.He said that this would be done-never happened, but yet they still continue to call....

I contacted the Dept Of Justice in my state-California,and I filed a complaint.I had to sign a release(for N.C.O.)to provide proof of this alleged debt..., nothing yet,yet they(N.C.O.) still call-interesting tactic,I think.
I've come to realize that the reason that N.C.O. does this type of thing,is because they believe that people won't have saved any info. from 10 year old accounts-interesting logic!!
The terms "Scumbags,Lowlifes" comes to mind...,
How are they still "in business"???
Posted by Anonymous on 2003-09-22:
NCO found my neighbor's telephone number listed and called asking for a message to be given
to me to call someone by the name of "David", at NCO Financial Services. I did not know who
this person was and assumed that it was a telemarketing call. A week later I received a
letter from "David" which talked about a debt and a judgment to be taken out against me if I
did not pay or contact them within 30 days. I called immediately. This was the first
contact that I had with NCO. Unfortunately, "David" was not available, but one of his co-workers "Jeremiah" or "something like that" said he could help. He immediately became
extremely angry and obviously trying the old "knee-cap method of repayment". I was
horrified. I had never disputed this debt and I still do not dispute the debt.

I owe $2,392.94, but at this time I can only pay $100.00 per month. This was obviously
not good enough for NCO. He wanted payment there and then. He was shouting and being
really offensive. His accent was a very strong almost NY accent and I asked him if he was
from NY City. He thought I was being rude, but I am from England and I take an interest
in where people come from. He ended the conversation with "enjoy your charge off young
lady!." As I am a senior citizen I thought this was really offensive. I called back
and my husband took the phone. The same agent screamed at him "well do you want to your
debt". My husband asked him who did he think he was talking to. The agent yelled obsenities down
the phone for about 40 seconds and hung up. I called "David" the next day and the
conversation started off really well. I asked him why he hadn't left a message at my home.
Guess what he had the phone number to my previous home , I haven't lived there for 7 years.
When I said that I would call back with information as to my payment, he lost his mind and
became abusive. He insisted I was giving him the run around. As I already told him I would pay $100.00 per month I tried to reassure him that I would pay as soon as possible. He insisted I charge the amount to a Target Visa Card he had my credit information in front of him. He hung up saying the same thing as the other agent "enjoy the charge off young lady."
On Saturday morning at 8:03 a.m. I was woken by a phone call from NCO. "Michele" apparently
a seasoned collector and a senior to the previous agents at NCO was extremely apologetic
about the previous phone calls and worried that I did not understand what "IN COLLECTION"
would do to my credit. She was professional and polite and even called her Agents (Punks)
..but she still insisted that I pay the debt in full as she did not want to see my credit
ruined as it was almost a perfect score. I said I had every intention of paying, but I
couldn't find $2,000 in one go. I said I would be able to pay $100.00 a month. She said
"okay, but my credit report would show a "charge off", she felt sorry for me and would keep
my file in her office for me to make payments directly to her office. I talked to my
husband and made arrangements to pay off the entire amount and "Michele" is expecting me to
express mail the money tomorrow. I found this Website. What do you suggest I do, make
payments or pay in full? Thank you Hoping this will help someone else.
Posted by Anonymous on 2003-09-22:
You're stories are very common. They'll come on this site and do the same thing. (By the way...we're all dead beats here...according to them) They'll tell you to quit complaining and pay your bills. It's not that they're bad people, just ignorant beyond belief. If any of them go to another company to do collections they'll be fired and sent home if they maintain their current tactics. Then they won't be able to pay their own bills and then they'll end up on this site complaining about NCO collection reps along with us. Unhappy people strive to make others unhappy. We see the world as a reflection of ourselves. It makes you wonder what horrible things happened to each of these reps in their personal lives to make them so bitter, and nasty. It also makes me count my blessings that I’m not unfortunate enough to have had to go through the hardships that cause that type of behavior in them. I don’t know if there’s anything in the world I could go through that would make me act like that. That doesn’t mean I advocate in any way working with them. There’s other channels you can go through to resolve debt. Only one of them requires dealing with NCO and being verbally assaulted.
Posted by Anonymous on 2003-09-22:
Offer Michele a settlement to close your account, this will save you money, but it will not be as good for your credit report. Not all collectors are rude or nasty. We simply want an effort for the balance and then we will look at a payment arrangement.
Posted by Anonymous on 2003-09-22:
Thank you Rainmaker....... Collector whoever you are thanks also for your comments. If you work for NCO or another organization would you let me know why making payments was not an option to this debt? I have to pay the total for the debt not to be written as a charge off on my credit. If I make payments it will go to my credit report. It will go to my credit report anyway - am I correct? Thanks again for your help.
Posted by Anonymous on 2003-09-23:
If it's with NCO, it's likely that the damage is already done to your credit report, Despite their promises to keep it off your report, I've reviewed countless records where info was reported by NCO anyway. They don't have the power to keep things off your credit report; their system is automated. NCO, as I understand it, is a third party collector. Payments are ALWAYS an option and there is never a dead line. They're usually tweaking the truth if they say that they must have payment by a certain date. You have as much time as it takes to pay off the debt. You can make fifty-dollar payments for ten years if that's all you can afford. Don't let them prioritize your finances for you. Your utilities, shelter, food, and transportation all come before anything NCO is calling about. That's not to say you shouldn't pay them, but you have to insist on paying on your terms; they'll disagree and make it seem like the debt they're after is the most important. That's their job. They’ll even threaten you, and tell you all the horrible things that they can do to you. They can’t do much of anything accept hurt your feelings and make you angry. Remember those things when you deal with them and remember that they're going to tell you all sorts of things that may not be true. Review and hold fast to your rights as outlined in the Fair Debt Collection Act (go online and print a copy to keep by the phone), and you won't be taken advantage of by their hostile employees.
Posted by Anonymous on 2003-09-23:
Thank you Rainmaker...I'll certainly take your advice it is very much appreciated. I'll be in touch..........Thanks again.
Posted by Anonymous on 2003-09-24:
It has probably already gone on your credit bureau as a charge off from the original creditor. What collection agencies mean by not going on you "cbr" is that it will not show up under NCO which will look very badly to top it all off. You can always make payments on an account, but it doesn't mean the collection agency can't sue you. The reason we tell people to go for loans is to take a payment arrangement if it warrants it. If you can get the balance via a loan, then there really isn't any justification in taking a payment arrangement when you can do that with the lender (if approved) and established good credit with them. We are realistic people, we just want the effort.
Posted by Anonymous on 2003-09-25:
I've been getting calls for close to 3 months now about a card my ex of 3 years got after we divorced. These guys seem to think harassing me is the way to find her. The one that called last Monday flat out said he would keep calling till I tell them how to ind her. Like I would know where see after 3 years!
Posted by Anonymous on 2003-09-26:
You should contact the Federal Trade Commision and tell them about the harrassment - I had to and was told to send a certified letter to NCO telling them to stop the harrassing calls - also have a copy of the the cc - to the Federal Trade Commision. Hope that helps
Posted by ROE4EM on 2003-11-15:
I so feel for you!! Hand in there.
I would like to see if anyone has had any mis-dealings with NCO in Torrence California and with the following people?
Marisio Aviva: supervisor:
Latonya Q: Acting manager 1-310-257-5932 (ext: 5932)
Not quite sure if they are technically in Torrance or Philadelphia, Pa. when I call.

We have been dealing with NCO for the past 2 years and still have no resolution. A medical bill that was paid in 2000 by our Ins. Co. and even though we are sending them proof by the cancelled checks from the Ins. Co they won't clear this!! We were finally told we have rights and can make formal complaints to the office of the Attorney General (California: 1-800-952-5225 or do it online at http://caag.state.ca.us/contact/index.htm.) We just made our formal complaint and we will see what happens. The better business bureau can't help as well as the Dept. of Consumer affairs. The attorney General is technically the credit burea's boss so lets rise up together and begin to flood their offices with these complaints. It's so easy to complain but not do anything about it. I was going to let it go too but I am a tax paying citizen and deserve to be treated better than the scum on the bottom of their shoes!! Send me any thoughts or if you have dealt with the torrance Ca agency and the above individuals.
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Automated check taken out of account without consent
Posted by Soozie on 11/18/2005
GEORGIA -- I just had a run-in with NCO Financial System, Inc. I checked my bank account the other day and noticed it was overdrawn a good bit of money. I called my bank's customer service line and found out that NCO had taken 2 unauthorized electronic checks out of my bank account.

Here is the thing, though - my boyfriend I did at one point have a joint account at this bank. He had fallen behind with his Progressive car insurance payments and was unable to pay for a prolonged period of time. However, we separated bank account before any financial problems had occurred with his car insurance. I was never on his insurance policy either.

My question is, can NCO legally take money out of my account without my own personal consent? I know for a fact that my boyfriend did not give NCO my account number. I was under the impression that, even if he did give consent for NCO to take money out, that would not be allowed because he is no longer included on the account. And, before today, I had never spoken to this collection agency.

I called a few times today and, the first time, I was able to talk to someone in "management." He told me I had to fax the bank documents to them and that was that. I called back 3 or 4 times later and asked to speak to someone in management each time, but I was told they could not connect me to one. The operators told me to call my bank of Progressive. I called my bank and Progressive and they told me to call NCO.

Anyone with advice would be appreciated.

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Posted by cycolbur on 2005-11-18:
fill out a dispute form at your bank second contact state attorney general. i would contact nco and give them a deadline to put back the money plus all over draft fees other wise you will sue. good luck
Posted by yoke on 2005-11-18:
NCO could care less. They got their money, doesn't matter if it was illegal. My brother has the honor of having to deal with NCO, even though it was not his account, it is someone elses, with the same name. But NCO did manage to give my brother info about the other person that he should not have gotten. To this day (over a year) NCO will calls daily. Every once in awhile he will pretend to be the person they are lookng for (since they gave him all the info he needs). He figures if they are dumb enough to call daily to the wrong person he will play their game. He even managed to get the other persons SSN and address from NCO.
Posted by DebtorBasher on 2005-11-18:
You said you KNOW for a fact that your boyfriend did not use your bank account for this, how are you so sure? It happens more than you think. How would NCO get your checking account information if you never dealt with them? Someone had to give it and if it wasn't you, then you need to find out who has your checking account info and why would they only use it to pay HIS bill? If it were some stranger, they would have used your account to purchase things, not pay bills. Also, NCO can not use one person's checking to pay another person's bill. How did they connect you and him together, this is what is unclear...were you on his insurance policy with him? If not, there is not way they would have made that connection without you or him giving it. I'm not being nasty here, so please don't read it that way. There are alot of questions that need to be answered before fingers get pointed. I know you said this was an automatic payment taken from your account, but NCO didn't just pick a number to pay someone's bill and it just happened to be your account and your boyfriend or ex-boyfriend's bill...If he did use your account to pay his bill, you have to ask yourself, would he really tell you he did it? If he is an ex...most likely he wouldn't. NCO should be able to go into their documentation and tell you exactly who they spoke with when the arrangement was made. Also, NEVER allow and NCO rep tell you that there are no managers around. There are ALWAYS managers on the floor to help. When there are manager meetings, there are still mangers covering the floor, when it is lunch time, there are managers covering the floor. Once you look more into these questions, let us know what you find. Good Luck.
Posted by DebtorBasher on 2005-11-18:
Yoke: we are all aware of your Brother's games he plays...no further comment on him is necessary, just read previous postings.
Posted by Soozie on 2005-11-18:
My boyfriend did not have access to the checkbook, for one thing. That is kept in my possession at all times. The only way I know they could have gotten my account number is by way of the joint account my boyfriend and I used to share. But, again, we separated out accounts months ago. I'm talking about 3 or 4 months ago. And NCO just recently took these checks out. My name was never on the insurance policy and I have never driven his car. I asked 4 or 5 NCO reps to connect me to a manager/supervisor and they all refused. I asked if they had a recording of this authorization and they told me "I don't know." Those were the exact words. Even if my boyfriend did authorize for them to take the payments out of my account, it is still not legal. It is MY account, not his in any way shape or form. In fact, he has his own bank account that they could have hit up, but they didn't. It was a screw up made by either the bank or NCO. Bottom line is I was never on the Progressive insurance policy and I am not responsible for the payments. I am not his immediate family and I am not going to allow them to take my money.
Posted by bobo2 on 2005-11-19:
Soozie: If you were the sole owner of the account at the time the electronic debits were made, as you write you were, then you are correct in saying that only you should have been able to authorize payments. If you did not authorize such payments, they were improperly made. It does not matter how NCO got the account information. The payments are unauthorized if you did not somehow approve them. Pursue this matter aggressively until you get your money back. Cycolbur's advice is good. Dispute the withdrawals through your bank and ask your state attorney general's office for help in getting your money back. I'd also file complaints with the usual regulatory agencies (FTC and the state agency that regulates collection agencies). Finally, a police report might also be in order. If none of these actions work, consider suing either through your local small claims court or regular court system. Hope this works out for you.
Posted by bobo2 on 2005-11-19:
DB: You write to Yoke, "We are all aware of your brother's games he plays." I assume by "we" you mean NCO collectors in general. If NCO reps know he is playing a game by occasionally pretending to be the real debtor, why have they kept calling him for the past year? And if they know it's a game, why have they risked serious legal liability by giving him the real debtor's personal information, including SSN and address?
Posted by DebtorBasher on 2005-11-19:
One of the things I never agreed with,and it isn't only NCO, but many other companies that take checking acct info over the phone is this...we are required to ask the person giving us the check info, if they are the/an "authorized signer" on this checking account. If they respond with "yes" then we take it. What I don't agree with is that if someone is using another person's account and they answer yes to that question, we have no proof that they really are. But, we are told that as long as they answer yes, then we are not breaking any laws by taking the check or payment...because they said they are an authorized user. The thing about this is, not every phone call is recorded, they are randomly recorded. For people in a slightly different situation, if they have a monthly automatic withdrawl for any kind of payments from their bank account...please take note that if you close your account, it is your responsibility to notify any company that the account was closed, because it will still be put through the bank and the person will have to be responsible for it, even if it was through a closed account...I can't understand why a bank wouldn't just reject the withdrawl, maybe some banks do, but not all of them. This is the reason I tell people when they close a bank account, to shred the unused checks, or some banks will buy the unused checks back and recycle them (I'd rather shred my own). I couldn't tell you how many times I've seen people give their kids their old blank checks from an old checking account to play with, or even leave them behind in a basement when they move. Anyway, getting back to your situation, the bank would have to have some kind of record of the authorization.
Posted by DebtorBasher on 2005-11-19:
BoBo: when I said we all know about the games...I was talking about the people here, on this site, who have commented on previous posting in regards to these games...not NCO...sorry if that wasn't clear.
Posted by cycolbur on 2005-11-19:
bobo2 is also correct be aggressive in getting your money back. from personal experience it took them 85 days to give me my money back. that is total bs. another thing nco is good at is double dipping your account once they have your information. it happened to me 3 times the third time i had a zero balance and it took 85 days to give me my money back. the most irratating fact was when i got a hold of them they played stupid their line was we don't do that or that is the first time 3 times i will never deal with them again i do not trust them. debtbasher gives good advice to me she seems honest. so my comment was notagainst you but in general.
Posted by bobo2 on 2005-11-19:
Soozie: I had one additional thought about the so-called debt itself. Make sure this is even a legitimate debt your boyfriend owes. I have had car insurance with three different companies over the years and all premiums have been due in advance. That is, you pay for a future policy period, which in my case now is 6 months ahead. If I do not pay by the due date, the insurance company simply cancels the policy after a brief grace period and reports the cancellation to the state motor vehicle agency. So I would not owe the insurance company because I had not received the insurance for the period owed. I'm not sure how your boyfriend would have ended up owing Progressive anything and why NCO was involved. At any rate, in addition to trying to recover your money, check to make sure that the debt is even proper.
Posted by Soozie on 2005-11-19:
Thanks for everyone's comments!
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Harrassing Calls
Posted by on 09/15/2003
BUFFALO, NEW YORK -- I too like many of you have been harrassed by the people at NCO and i am not even the person they're looking for, but I do not take their crap and I urge you all to do the same. when they call me to harrass me I call them right back and tie up their lines so they cant get anything done they get really pissed off its great. I urge everyone whos been harrassed by nco to call 1-800-227-4000 ext 2502 and harrass them right back if you pass this review on and on well get hundreds of people calling and tying up their switchboards and if youre worried about them getting your number just remember to hit *67 first and your number wont come up. COME ON PEOPLE HELP ME GET BACK AT THESE JERKS IF WE CAN GET THOUSANDS OF PEOPLE TO CALL JUST ONCE A DAY IT WILL WORK!!!!!!!!!!
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Posted by Anonymous on 2003-09-15:
get a life, because obviously you don't have one! You're probably some welfare recipient piece of trailer park trash with nothing better to do with your life.
Posted by Anonymous on 2003-09-16:
I think it is a great idea! Especially since the calls are free!
Posted by Anonymous on 2003-09-17:
i guarantee the first comment is from an nco employee. I love this guys idea!!!!!!!!!!!!!!!!!
Posted by Anonymous on 2003-09-17:
As a former NCO Employee, I can assure you the collector is encouraged to act in such an unprofessional manner.
Posted by Anonymous on 2003-09-17:
They are encouraged to do what it takes to get their $. They back off once they realize you're educated, I've learned. They prey on the people who don't know what their rights are, who don't know how the legal system works, and who aren't aware of the action they can take against such a company. They bank of the idea that 90% of the time (if not more) the person they're dealing with won't retaliate. I find them entertaining to talk to; you get an exhilarating peek into the world of a mentaly substandard class of people ill equipped to do much else besides harrass and intimidate people. (Sounds a lot like the psychological tactics of a recent group of people that knocked down two buildings in NY a couple of years ago). Bless their hearts.

Posted by Anonymous on 2003-09-17:
HEY! I'm a welfare recipient piece of trailer park trash with nothing better to do with my life.
You wanna go out?
Posted by Anonymous on 2003-09-17:
So much hatred...........get on with your lives and stop dwelling on the negatives.
Posted by Anonymous on 2003-09-17:
I'm not hating anyone. I just get hot when NCO calls me and yells at me...be it a girl OR a guy. I think it's sexy the way they get all demanding and all. I hear it's illegal...but I LIKE IT! I almost want to stop paying another bill in hopes they get the file just so I can talk to one of them again. NCO are a bunch of SEX POTS! YEAH BABY!
Posted by Anonymous on 2003-09-25:
The continued harrassment is in violation of the Fair Debt Collectors act. You can request for them to stop but the best way is to send a certified letter once they receive it they must stop. You can contact the Federal Trade Commission who gave me this advise after NCO repeatedly called my husbands work to the point his boss was complaining.
Posted by Anonymous on 2003-09-29:
NCO calls my company for collection business about every other day. I have asked and asked to be removed from their call list. Several of the reps have been very rude and hung up on me. I would not ever use a company with this type of professionalism. I will take whatever means necessary to get them to stop.
Posted by karen_spankie on 2003-10-02:
I rec'd a called from Mr. Summers today telling me to call him back at 888-487-1479. I called back and he starts telling me that I owed a debt to Wachiova Bank. I started to tell him that I didn't have acct w/them, and that he was looking for the other person that has the same name as me w/in my company. He started to tell me that I was lying and I need to come clean that he had crimial charges against me.. I asked him what was the SSN# and he told me when i told him mind he laugh and hung up the phone. I called back because I was going to give info on how to get in touch w/her. He told me to stop being rude and started yelling really loud to the point my co-workers heard him. I told him that he need to stop yelling because I wasn't yelling at him. Then he said for me go and get someone a wheelchair. (I guess because I work for a health care provider). If they have people like that calling and yelling at someone for now reason they will never get a debt paid. Oh I have file a complaint w/the FTC. You can go to the website and send one also.
Posted by Anonymous on 2003-10-14:
These morons have been harassing me at work over a very small. I'm going to hang them. I'll be darned if they will get a penny from me. I am contacting the lab and give them the option of taking my money or doing without. I refuse to listen to these NCO morons.
Posted by metora2000 on 2004-02-23:
NCO is a horrible company. I made the mistake of paying them by check over the phone. They then used my info to cash 2 $200 checks that I had not authorized. DO NOT give them any information at all. pay them by money order if you have to. I lost my bank account for check fraud thanks to them. The bank has to close the account and I still had a few checks out to people. I hate this company like no other.
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Attitude of NCO with potential payees
Posted by Bbhank on 01/03/2006
TEXAS -- I have had the same experience with NCO as the rest of the comments here. The comments from their employees are snide and condescending as stated. Being a low life does not hinge on how much money one makes but the character of one's self. These people show they have very little character by their rude behavior. Their loss, not ours since many of us will not take their rudeness without returning the same - not everybody turns the other cheek. The fact that there is some outstanding debt does not give cause for disrespect especially not knowing each individual circumstance.
Their rudeness to third parties, not connected with the object of their search is even more unacceptable. I don't know about the legal. In my case an NCO rep called my HR department and was very rude to one of their peresonnel, eventually hanging up the phone - this jerk Nicholas Macintosh called her, not the other way around.
All the complaining bodies and people need to come together in concert against such practices and those who support such practices, not just NCO but all such entities. Part of the problem lies in our "representative" system.
It was suggested that I try an organization called NACA that works with comsumer issues. Know that NACA will not work with a student loan. They claim to have over 1000 lawyers in their database but not one of them will work with a student loan. Most won't even answer your request when they see that you are having a problem with one of these. NCO takes advantage of this and they don't care what your particular problem is or was with the default. There are a lot of people with a lot of actual legitimate issues with NCO.
Those who have defended NCO need to look in their own back yard. As examplified by the fellow I talked with and the lady who recorded the conversation-even though she tried unsuccessfully to steer that conversation, there are some nice folks in there. You may not be the culprit but the fact that is that there are some very negative, despicable folks in NCO who evidently have little to no self respect, and feel they can push that sickness off to everyone they deal with over the phone in itself, needs adjudicating for everybody that's received their condescension and threats. They also seem to think they will never run into any of the people they have been abusive with face to face, but as the world "shrinks" that probability increases.
The kind of treatment they exhibit needs to be illegal but since it is not, there is no choice but rebuff this kind of behavior. Those who support this travesty are also part of the problem.
In my case there is a legitimate grievance with the debt in that the original default was illegitimate. The bill in question had been paid off several years before by the University as part of the entry process and I attended school almost to graduation after it was paid. It is a commonly known fact that one cannot register for any college anywhere in the country with an outstanding unpaid student loan. When I explained this to the collection agent at that time he called me a liar because he claimed "had the papers that said otherwise".
Also the unavailibility of any body of assistance with this from day one through now, the negative effects this caused-both immediate and long term from this, and collections process in which NCO is trying to be involved in the manner they are trying to be involved, totally oblivious to any possibility of dispute is of issue. There can be no dealings with them at all in face of their rudeness.
Since the original writing of this I have been contacted by a more civil NCO representative with whom I explained that the default was in dispute and has been since inception. I told him of the rudeness of the people who previously called then gave him my address and told him that all further contact needed to be in writing in order to maintain a paper trail. He agreed and we hung up. Later that afternoon another NCO rep called who wanted the same information so I told him I had already talked with Mr.Soinso a couple of hours before that and he had all the information, and I had requested all further contact be by mail. I politely hung up. The next day another NCO rep called. She was polite and said she was recording the conversation when it ended but not at the start. I explained to her the illegitimacy of the original default before she could cut in and attempt to guide the conversation and again asked that all further communications be by mail both for a paper trail and due the rudeness of various NCO reps who have called. Over the next several days there have been 2 to 5 calls a day from 800 and unidentified numbers all of which if and when answered are calls from various NCO people.
A few days later I received a bill in the mail for the full amount, over half of which is interest.
A detailed explanation of the nature of the original default and the problems this caused has been sent to them.
In this case the action of a callous, misinformed, collection agent threw a wrench in the gears of my college. If this debt had not been paid the school would not have allowed me to enroll at all. The original debt was paid through the university's internal mechanism during registration process. I went though registration 10+ more times without any problem.
Once this happened I went to the Financial Aid office to find out what to do and they gave me their contact info to give to this jerk to call them to verify the debt had been cleared. When I called and tried to convey this, he started railing me about being a "deadbeat" and refused to contact the school altogether. I gave them his number and he refused to talk to them too. He had the upper hand and I was kicked out of school. This led to a series of hardships not counting the change in direction generated by not being allowed to finish. I did not have the cash payment he was demanding and could not borrow it as he also demanded especially in the face of the debt having been paid off several years before. This person was not an NCO employee but another collection company that did what NCO does today and apparantly with the same rudeness and condesencion (This seems to be endemic in the collections business.)
I have sought lawyers for over a decade now and nobody will touch this. My only choice has been to refuse to pay until this is settled equitably considering the damage done. I work for myself mostly for cash on the barrelhead at this time and my wages can't be garnished in the manner they are trying. I figure my Federal tax exactly and pay the IRS directly so there is no excess for NCO to take.
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Posted by Mad Eye Moody on 2006-01-03:
You're absolutely right. Why did they contact your HR? Did they divulge any information to that person? Had you told them you couldn't receive calls at work? I'd say you need to contact a lawyer, in this case. They stepped over the line, it seems. Basher?
Posted by DebtorBasher on 2006-01-03:
You are right, there is no excuse for this behavior. Calling someone then hanging up on them is absolutely not allowed...if the person on the other end of the phone (be it the debtor or a third party) is swearing or being abusive, we are to tell them that we will disconnect the call if it continues, then only if it continues, are we allowed to disconnect after telling them we are going to do so...we can not just hang the phone up on them. That is a harassment violation. You did not say whether the rep was told not to call your business number, but on first request for no calls at work, whether it be verbal or written...we must honor that and remove the number pronto! It's always best for your record to send it in writing once you tell them. Many times when we do try to find out what the debtor's situation is, we are told that it is none of our business...when in fact, it is if they want us to understand and work out a re-payment plan. We don't ask just to be nosey. There were several violations here, and as I've always said, even thought I am an NCO rep...a violation is cause for a lawsuit...keep record of all calls and incidents you have with them, you may need them if you are harassed enough to want to take it further. Good Luck.
Posted by ejack053824 on 2006-01-04:
I will be more then happy to give you my phone number so that they can harass me! They would call me one time and would never want to speak to me again unless its Basher...I would flirt with Basher. LOL!
Posted by DebtorBasher on 2006-01-04:
When It comes to collections, EJ...flattery will get you nowhere!
Posted by DebtorBasher on 2006-01-14:
If the Ideal solution wouldn't work in the real world..then is isn't an Ideal solution then, is it?
Posted by nco_rep on 2006-01-16:
As a student loan collector, I can tell you that they were calling HR to verify your employment to garnish your wages. In most states, it's 15% of your gross (possibly net) income. This is fully sanctioned by the US DOE, and once it starts, the only way to stop it is to pay the bill in full. As collectors working for the federal government, we have the right to disclose this information when we call any HR or Personnell dept to verify employment. Once it gets to that stage, I highly suggest you make an arrangement. If whomever you're dealing with at NCO isn't treating you well, ask to speak to a supervisor. There are only 3 offices in NCO that collect student loans - Buffalo, Atlanta and Horsham PA. The infamous "Mr. Shapiro" calls come from Horsham.

Having dealt with student loan collections for 2 years now, I can tell you - if you are in default, PAY IT. There is no statute of limitations, and this debt will haunt you until you die. Including taking a portion of any social security benefits you may be entitled to in your old age. Look it up. Call the US DOE. These are the facts. Good luck!
Posted by Mad Eye Moody on 2006-01-17:
BS. It's not sanctioned by the dept of edu. They don't make mandates or sanction any specific sort of behavior on how their loans are collected aside from those outlined in the FDCPA. That's very misleading. Nice try, though. As far as contacting this person's HR department to verify employment so they can garnish wages... Garnishing of wages can't happen unless a judgement has been filed against the debtor. No judgment had been filed in the case above. If no judgement has been filed, than talking to the debtor's HR will get a CA in trouble. Why? You get an HR person on the line and ask if so and so works there...and that HR person says "who wants to know" and you say "this is (insert Jolly Pirate CA Alias here) from AZZ Recovery LLC". Guess what...3rd party disclosure. Again...nice try. Back to training for you - you're only going to be able to get away with this sort of misinformation (With just enough truth added to seem credible) for so long before someone who knows their stuff stings you. That loan will always exist...you're not lying when you say the SOL never runs out on student loans, but that doesn't mean this person can't rehab it with the department of education. That doesn't mean he should pay NCO. Nothing really requires anyone to pay NCO if they know their rights. The FSA also takes complaints about the CAs they hire very seriously. So back to your deceptive statement about the DOE sanctioning the garnishing of wages; well DUH! Who doesn't sanction people getting paid after all other avenues of recovering owed funds is exhausted...but it doesn't apply to THIS case as you've tried to make it seem. Look…I'd have this case settled relatively quickly, the loan rehabbed almost immediately, and a good chunk of it paid off from the settlement with NCO. Try not to trip on anything on your way out nco rep.
Posted by DebtorBasher on 2006-01-17:
NCO REP: Thanks for the info on Mr. Sharpio...Now, to your comments...It is clear from the posting that the NCO rep did not call HR to verify employment. It states that NCO called HR and was rude to them. (No reason to be rude if you want to verify employment). Also it was said that NCO hung up (No reason to hang up when if you want to verify employment). And clue number #3, the poster said when someone (HR) tells NCO they are not the party in question...well, that pretty much tells you they were not calling to verify employment...How does YOUR NCO call to verify employment? I ask because if this all sounds like a simple employment verification to you, then one day you will have some pretty hard explaining to do in court. Whenever my NCO called to verify employment, we simply asked the HR Rep if "so and so" is employed there. They are limited to how much info they can give NCO, some will just answer yes or no, some will even give a hire date but not everyone will...some will give a "last day worked" others won't...but they will never tell you the reason they no longer work there as to if they quit or was fired. So, what it comes down to is your have wasted your time with all the "employment verification" process that your NCO goes through because that was clearly not the case here...sorry...but it's time to go back to the training class, this time, make sure your trainer knows what they're teaching.I'll be more than happy to come there and set everyone straight.
Posted by Mad Eye Moody on 2006-01-18:
Let that be a lesson to everyone...make sure you're right before you post. You could get a tune-up from both sides. Basher doesn't want her industry sullied, and she certainly doesn't want morons like NCO Rep to make it SO easy for me to beat them up. Nothing makes her madder than having to help ME beat up one of her fellow collectors.
Posted by DebtorBasher on 2006-01-18:
YEAH...what he said!
Posted by nco_rep on 2006-01-23:
I'm a moron???? I've been actually collecting federally defaulted students loans for 2 years now - and - I can tell you in no uncertain terms that the rules of the FDCPA don't always apply here, because it's a federal loan. #1 - yes, we can identify ourselves, and that we're calling for wage garnishment reasons when we talk to an employer (allowed by the DOE) #2 - Mad Eye, go back to school!! The DOE *DOES NOT* have to have a judgment to obtain a garnishment. Trust me - I keep track of the literal hundreds of debtors that I've sent there. #3 - Mad Eye - go back to school again - all the payments from debtors go directly to the DOE - not to NCO. All the checks, cc's, etc are directly payable to US DOE. Do you work in student loans, or are you just trying to act big? I doubt that you do. Sounds like you're just an idiot trying to screw his creditors. Don't assume that you know everything about DOE collections - its a whole different ball game -- Debtor Basher - I don't assume you work in student loans, since you didn't know anything about these things either - but if you have any friends that do, they can confirm all of this information. The comments that i'm 'moron' were childish - it's unfortunate that I'm in this line of work, but I'm certainly not going to lie about the facts. At least *I* pay my bills, and am not on a website whining about how to get out of them.
Posted by Mad Eye Moody on 2006-01-25:
A non-judicial wage garnishment would not apply in this person's case. But you're correct; the DOE does have that option. I based my comments on the poster's situation in regards to student loans, not on student loans in general. Context, context, context. I apologize for calling you a moron. However, the statement you made: "rules of the FDCPA don't always apply here because it's a federal loan" Well…I have to respectfully disagree with you. The FDCPA rules apply no matter whom you're collecting for or where the money is being sent, or what kind of loan it is, federal or otherwise. Now for all the mean things you said…I know you were just reacting to my initial immaturity so I'll let them go. I know you didn't mean any of it. You're probably are already aware that most of what you said about me isn't true. Bless your little heart.
Posted by ejack053824 on 2006-02-03:
Do I need to drag this NCO rep out in the parking lot and kick his ass?!
Posted by nco_rep on 2006-02-07:
Me? you want to kick my ass? I'm a 38 year old woman, and probably one of the nicest and most helpful collectors in the office. More often then not *I'm* the one getting abused by the people that owe the DOE money. Don't be too quick to judge. If people had all the facts about the nature of student loan debt, they'd get it paid asap. Too bad ignorance is abundant in the people I have to try to collect from. Not my fault! C'mon over, kick my ass ;)
Posted by squeekie on 2006-02-13:
Listen to Mad eye and call a lawyer. it will be worth your while. let NCO mess up all they want. the more they vioate the FDCPA the better off you are.
Posted by KWL on 2006-02-16:
Dear Debt: The men at NCO in Horsham, PA are a bunch of rude jerks, particularly John Rosa (who asked if I was single and gave me his personal email address) and his two so called supervisors. I am in the process of filing a commplaint to any and all agencies I can find. How are these people successful? They are so rude..they yelled at me and hung up on me. They refuse to send me paperwork, then say "we will note that you are refusing to pay, we will contact the Attorney General (I think that's what he said) in your county for further action". Not exactly word for word, but I think you get the idea of the intimidation tactics. I never said I refused, I just wanted to see some paperwork, isn't that my right?

Debt, you sound sane, I wish I had dealt with you!
Posted by ejack053824 on 2006-02-18:
NCO_REP if you are indeed a woman than you get a pass on the asswhipping. :) I have never hit a woman and never will but....you would tote one helluva a cussing!
Posted by $isking on 2006-02-26:
please let me step in. Yes NCO has to adhere to the FDCPA. It is the ED not DOE(dept of energy).
Lastly NCO does get a wage garnishment without getting a judgement it is call an Administration wage garshment. We have to verify that the detor is employeed and the mailing address to send the order. So you would waste your time trying to file a suit. Should they hang up No but who knows how informed the employee is with ED garnishment orders. Like yourself. NCO rep be proud you are making a good living doing an honest job. Once agin if you pay your bills you will put NCO out of business. But people want to complain someone has to call them to do the right and honorable thing. Happy debt free days. lol
Posted by $isking on 2006-02-26:
ejerk you are simply a dope. Get a life or a job and pay your bills.
Posted by Anonymous on 2006-03-25:
Ejack, you got some SERIOUS anger management issues. I sure feel sorry for the poor customer service people who have to put up with your little tantrums. When they see you coming, do they all go on break so they don't have to deal with you? That's what I would do.
Posted by bbhank on 2006-07-13:
None of this bickering addresses this situation in any way that moves toward solving the stated issues. Solution(s) are needed that address the damages done, both perceived and real.
Posted by EdwardSmith on 2008-11-15:
To bbhank in TX:

I deal with NCO in Edmonton, Alberta, Canada, and I have found that, on occasion, they use the "bad cop/good cop" technique where one very rude NCO agent calls and makes condescending remarks which are so infuriating, you are compelled to call NCO back and ask to speak to someone else -- and in my opinion -- this is exactly what they want. They want you to stay in contact and then want to squeeze more info out of you.

So then a good cop NCO agent comes on the phone to "massage" the whole big blow out, while slowly vacuuming personal information out of you -- now that you are in a more "cooperative" frame of mind. Apparently, police use this same technique to interrogate suspects.

Also, you mentioned that NCO in TX called a relative of yours at work. In my province of Newfoundland and Labrador, Canada, it is illegal for a collector to call anyone at their place of work. So you should contact your state to see if a similar law applies. If so, you can file a written complaint against the NCO agent in question.

I am doing the same for an NCO agent in Edmonton that uses a demeaning manner when I speak with her. I am also going to write NCO by registered letter to advise that I will no longer speak or communicate in writing with that agent, but only with those NCO agents that speak respectfully to me. In return, I speak respectfully to them.

I know my debt is my responsibility but I do not have to insulted, demeaned or tormented in the course of paying it off. I am also going to write the Canadian federal minister of Human Resources and Social Development in Canada, who oversees Canada Student Loans, (and who has hired NCO Financial Services), to raise other similar issues.

As a final note, perhaps you already know that whenever corresponding with NCO that you send your correspondence by registered mail, and keep a copy of the letter and the registration number that your post office provides for that letter. It may be more expensive but you can track the letter and get confirmation that it was delivered.

Also I have purchased a note book to write down the date and time of every call to and from NCO and to identify the agent that I am speaking with, his/her job title (e.g. agent, supervisor, or manager) along with that agent's demeanor and the topic discussed and anything that was agreed upon and how long I was on the call. I then follow up with a letter if necessary, repeating everything that was discussed and agreed upon, (e.g. payment of $ 25 to be sent by Friday, etc.) and in the last line of the letter, I ask that a copy of my letter be put in my NCO file.

Hope all of this helps! All the best.
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Top Ten Things Bill Collectors Don't Want you To Know
Posted by Mad Eye Moody on 01/13/2004
1. The More You Pay, the More They Earn
Collectors get commissions -- usually 30 to 50% -- on money they bring in, which often double or triple their salaries. This means they have a strong incentive to press for a big "down payment" from you, even if this deepens the cycle of debt.
Collectors hoping for a big commission may claim that the boss insists on a big down payment. In fact, blaming it on a mythical manager is designed to deflect your anger away from the collector.

2. Payment Deadlines Are Phony
Payment deadlines set by collectors are meaningless. Collectors simply want to create a sense of urgency, because the longer it takes to get you to pay, the less chance there is of collecting the debt.
3. They Don't Need a 'Financial Statement'
Collectors often claim they need a "financial statement" from you, so they can work out a realistic repayment plan. You'll notice, though, that the information they ask for -- bank account numbers, references, place of employment -- is far more than they need for that purpose. They're fishing for information that will help them find you if you move or sue you if you don't repay the debt.

4. The Threats Are Inflated
Collectors always graphically detail the disastrous consequences of failing to pay a debt. "Your credit rating will be ruined," they warn. (Not mentioning that it's probably already not so good, since a collection company is after you.) "Your personal possessions, including your car, could be seized and sold at a public auction!" (Never mind that this virtually never happens; it's illegal in some states and impractical because of the expense.) Probably 95% of the time, collectors go after only bank accounts and wages.

5. You Can Stop Their Calls
You have the right, under federal law, to tell a collection agency to stop contacting you. Just do it in writing, and contacts must stop, unless they're to tell you that collection efforts have ended or the agency is going to take a specific action (like filing a lawsuit) against you.
6. They Can Find Out How Much You Have in the Bank
A collector who has your bank account and social security numbers can probably easily find out the balance of the account. Because big banks now have automated account inquiry systems, the collector doesn't even have to speak to a human being; all it takes is a phone call to the automated voice-mail service. When the account number and social security numbers are punched in, the computer promptly supplies an up-to-the-minute account balance.

7. If You're Out of State, They're Out of Luck
Collection agencies routinely call out-of-state debtors to demand payment. But if a creditor has sued you and won, you are probably safe from enforcement action if you bank and work outside the state where the lawsuit was filed. That's because to collect, the collection agency must transfer the judgment to your state, which is prohibitively time-consuming and expensive.

8. They Can't Take It All
Certain income, such as social security, pensions and 75% of your take-home pay, is exempt from enforcement action. You can file a claim of exemption from a garnishment of the other 25% of your wages if it would cause you or your family severe hardship.

9. They May Not Know a Thing
Sometimes a collection agency lawyer, trying to collect a judgment debt, sends questions on a court form asking about your income and assets. (These are called "post-judgment interrogatories" or "information subpoenas.") This is good news for you -- it means that the agency has no information and is hoping you will be intimidated enough by this legal questionnaire to complete it. Many people do, because the forms list sanctions, such as fines, for not doing so. But normally, it is too expensive and time-consuming for an agency to go to court and force compliance.

10. You Can Pay Student Loans in Installments
If you are behind on student loans, you can apply for what every collection agency hates: "reasonable and affordable payments" under the 1992 Higher Education Act. If you can document financial hardship, a collection agency must accept as little as $10 per month for at least six months. As long as you make the payments, you are eligible for Title IV Student Aid, and you can continue the payments unless your circumstances change.
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Posted by Anonymous on 2004-01-16:
#1 is incorrect. When I used to be a collector for NCO there was not a single person there who was paid on commission. Granted it could be different in other offices but everyone is paid hourly... However, there are bonuses when a department hits a goal of total money collected, which includes mail-ins and everything (and for the most part happens rarely). But like I've said before there are over 80 NCO offices in this country and they could all be completely different.
Posted by Anonymous on 2004-01-19:
Thanks for your comments, CFG - I posted that as more of a generalization - not just to NCO. The offices of NCO I've been party to investigating, as well as other collection agencies do get paid on commissions - but that DOES vary from office to office and from agency to agency.
Posted by jasonmcrae_habs on 2004-02-09:
Rather then help people avoid NCO, you should diffur your attention to how they can pay this off. Everything will come back to you. And there are more then 80 offices in the states. There are also 5 in Canada, Mexico, India, ext...
Posted by Mad Eye Moody on 2004-02-10:
Absolutely not. No one should pay NCO anything. You and I both know they shouldn't. You wouldn't, knowing what you know about your industry. Don't come to this site giving self serving advice. Save your spiel for your collection calls. We've heard it all before, rookie.
Posted by Mad Eye Moody on 2004-02-26:
and the word is 'defer', kaka brain.
Posted by Peanut3937 on 2004-03-02:
You sound like a lawyer! BUT - all your " Top Ten Things Bill Collectors Don't Want you To Know" ...
Makes sense but yet, you do NOT, and I do stress the word NOT work in a collection agency, so why are you spouting out all this crap that 99.9% of it isnt true! About the bonuses, yes we do make bonuses! Its only a SMALL compalation, (25%!!!!!!!!!) when we deal with DEBTORS!!!! And the mythical manager you were speaking about, they make MORE than the collectors do, so yes, they are behind our backs trying to get more money! Yes, deadlines are important, when you have a low life who opened a $10,000.00 credit card and has't paid it in 3 years, THERE ARE DEADLINES!!!! I don't get what your postion is here! Collections is a VERY stressful job. If all the debtors in this world paid thier bills in the first place, there wouldnt be a collection firm, or phone calls, or lawsuits, or wage garnishments! Unless you yourself is a debtor or sadly an ex-bill collector, (which would be sad!)I don't know why you opened your mouth! Good Day!
Posted by Mad Eye Moody on 2004-03-05:
You're SO cute!
Posted by DebtorBasher on 2004-03-16:
My Dear Mad Eye! You said,"I posted that as more of a generalization - not just to NCO". You should have said, " This is my imagination and what I say has nothing to do with NCO". Because when you say,"... not just NCO", you are saying that you include NCO. Well, let's get this straightened out on NCO's policy.

# 1, The More You Pay, the More They Earn: NOT TRUE! No one at NCO gets 30% - 50% bonus or Double or triple their salary from it. We don't ask for a "Big Down Payment", we only ask for the amount past due. A down payment is a payment put down on something you are buying, and we are not selling anything at NCO to debtors who don't pay their bills.

#2,Payment Deadlines Are Phony:
Stating deadline mean nothing. The only deadlines given is in regards to the account being charged off or when the client gives us permission to offer certain programs, they do have deadlines, therefore deadlines DO mean something.

#3, They Don't Need a 'Financial Statement': NCO Collectors never ask for financial statements from debtors.

#4, The Threats Are Inflated: Stating, "Your credit rating will be ruined," and "Your personal possessions, including your car, could be seized and sold at a public auction!" NCO collectors who would make any such statements would be opening themselves up for a lawsuit, we can not make any statements to a debtor, if we have no intention of taking that action. NCO does not take those actions against debtors.

#5, You Can Stop Their Calls: YEAH YOU GOT ONE RIGHT! DB is proud of you!

#6,They Can Find Out How Much You Have in the Bank: You get partial credit for this. We can verify if there are enough funds to cover a payment. However, this is just through a live operator, not automated. When verifying if there are enough funds, the bank will ask how much our check is for and only answer yes or no as to whether or not the funds are there to cover that amount. NCO collectors will not call a bank just to find out how much money someone has. (I can not speak for our legal department because I don't work in that department and I don't know what their proceedures are. However, you said "collectors").

#7,If You're Out of State, They're Out of Luck: I will not comment because you may be right, you may be wrong, I have nothing to back me up on this one. Since you are striking out so badly, you can have credit for this one unless I can prove otherwise in the near future.

#8. They Can't Take It All: YEAH, you got another one right!

#9, They May Not Know a Thing: I'm not a collection lawyer, so I can not comment one way or the other. I'll swallow the lump in my throat and try not to choke on my pride and give you this one too. (Don't expect me to be this nice and understanding all the time).

#10,You Can Pay Student Loans in Installments: you said, "you can apply for what every collection agency hates: "reasonable and affordable payments". Yes they can but it is not true that we hate it.Why would we hate this when we have all kinds of hardship programs we offer people everyday?

Your total = You lose again! Kisses!
Posted by dustyrose12003 on 2004-03-16:
Debtorbasher, you are so full of it! NCO DOES ask for a huge down payment, that is what they told me, "2500.00 down" and the only "payment program" I was offered was one I could not possibly follow. They also ask for a financial statement, with all the nosy questions not needed for the "payment plan" and they also refuse, and I do mean rudely refuse, to send you any kind of statement of the debt they say you owe to them. As for the rest of it, you have already proven you don't know jack, since you even state you have nothing to back you up. So, lets just say you have "nothing" and leave it at that. Oh, and I do so hope you are an employee, but hopefully you are not like the others. Please try to see the other side for once.
Posted by Mad Eye Moody on 2004-03-17:
How long did you work on that? Have you been stewing over this old post for all this time. I thought we could be honest with each other. You've pretty much failed to prove me wrong. I wouldn't post it if it weren't true. All of this info is from the horses mouth.
Posted by DebtorBasher on 2004-03-17:
Dustyrose: Please, allow the dust to clear from that empty space between your ears before you address me on anything!
My Mr. Madeye, you missed my whole point. My point being that you stated "including NCO", which means you are including MY NCO site and that, my sir is what I am telling you is not true. That is not the way we work out of our site. If you would have said, "including NCO with the exception of the site DebtorBasher works for", then I would have no reason to make the statements that I made. I'm simply saying, your comments does not apply to My NCO! But I'll still give you a big hug if you need one.
Posted by dustyrose12003 on 2004-03-18:
debtorbasher: I will address you on anything I like, thank you very much. The dust has settled and all I see now is your bullkaka. I all is not true, what in the world are you upset about? Who said anything or pointed any comment directly to your site? It does not matter in the very least, NCO is everything I said it is. Oh, and by the way, in case there was too much bullkaka in between your ears for you to notice, your very name "debtorbasher" says everything about what you are standing for. ha! Next?
Posted by Mad Eye Moody on 2004-03-19:
Why are you dragging me into this? It's no secret - as you can tell by the brilliance in the sentence structure, and style, that I used to use the name I used on this site. (Until someone started posting bad comments using my name)
Posted by Mad Eye Moody on 2004-03-19:
Boy that last sentence was CRAP...my bad.
I meant to say it's no secret that Horrible Jerk was the name I used to use. I have typing-tourettes-syndrome.
Posted by DebtorBasher on 2004-03-19:
I dragged you into this because of the comment Dusthead made,"your very name "debtorbasher" says everything about what you are standing for. ha! Next?". Reading past postings, a similar comment was made to you as Horrible Jerk, and your response was that you really are not a horrible jerk, but it gets responses (or something along that line). Which is exactly why I use this name, it gets responses. Besides, if I used a name that discribed me, it would have to be: TheVeryLovingAndUnderstandingDebtCollectorWithAHeartOfGold, and that would be a little too long to use. So, I decided with DebtorBasher instead.
Posted by dustyrose12003 on 2004-03-19:
Boy, debtobasher, you really have a problem. What does Madeye have to do with anything, other than just trying to give people so info. I have nothing against anyone here, I just voice my opinion like everyone else. You have a problem with rudeness, (which is probably an asset in your line of work, so i can understand) and maybe you should invest in to Prozac. I know what I am talking about concerning NCO. I speak from experience. Hmmm, Dustmite. That is cute! Made me laugh for a while. I bet you don't know how to do that. Want to learn?
Posted by DebtorBasher on 2004-03-20:
Dustpan: you want to teach me how to laugh? Mission accomplished, you just did! You ask what does MadEye have to do with anything...he is the foundation of this site and he is the person that keeps this site up to date with the latest news breaking events! He is the person every man wants to be when they grow up! But, as for me, I just think he's cute.
Posted by dustyrose12003 on 2004-03-20:
debtorbasher.....Oh, how cute you are, you make me laugh. And if I am making you laugh, well, I have gained. And here all this time, I thought you were already grown up. So much for that! I do agree with you on one thing. Mad eye is great! (and if i were you, i would be careful about how i say a man is cute, if you have even a little bit of sense to know what i mean) By By, Boyfriend!
Posted by DebtorBasher on 2004-03-21:
Dustypants: LOL You haven't a clue! When was the last time someone made you eat your words? Because I think the time has come.
Posted by dustyrose12003 on 2004-03-21:
debtorbasher....Pardon me, my mistake, you are a female.
Posted by DebtorBasher on 2004-03-22:
That's ok Dusty, that bad after taste will go away soon.
Posted by Mad Eye Moody on 2004-03-23:
I can't believe I never got down this far to see what nice things Basher said about me. Thanks!
Posted by dustyrose12003 on 2004-03-23:
debtorbasher...Yes, it is a pretty nasty taste after all. oh, well, you win some, lose some, and then you eat kakka. ha. You are right, though, Mad Eye IS cute! What a guy! There is one question I have for you, why are some of the NCO people rude, anyway? What is the incentive for being this way? There has to be something besides just a regular paycheck, since it kinda deturs anyone from paying to them.
Posted by DebtorBasher on 2004-03-23:
DustStorm: I guess the reason some reps are so rude with people on the phone is because they have not learned how to let one call go before they get onto the next one. They carry it over and it just makes it miserable for everyone involved. I wish there was a way I can teach them that when the call ends, it's over. If someone yells and swears at them on one call, it's over when you hang up. The next call is a totally different person and has no clue why they have an irate collector on the line. I tell them they should treat each call as if it were their first call. Forget what happened on past calls. Also, many of them does not know how to keep their private lives outside the office, once they walk in the door, they have to focus on why they are there. There is no "incentive" for being rude. They are addressed and warned, if it continues then they are out the door. Four collectors were escorted out the door in the past week and a half for the way they speak with people on the phone and for violation of the FDCPA. I know it sounds like there are alot of reps that are rude, but there is a big turn over in the business. Unfortunely, they don't know who the rude ones are until they get on the phones, and at that point it's too late for the consumer they had on the phone. These are the cases you hear people suing over. It might have been that rep's first time at being rude, but no one willtake that as an excuse...no manager, no consumer, no lawyer or judge!
Posted by dustyrose12003 on 2004-03-24:
Basher...Thanks for the insight. It explains a lot of things. I never report the rude ones myself, I just get on with it and let it go. I am more concerned with the reason they called me.In my line of work, (Code Enforcement accouts rec)I deal with somewhat the same kind of thing, only the shoe is on the other foot. It is the "customer" yelling at me. I can usually work well with them, try to help them with payment options, since the amounts are usualy quite large. I have never made outrageous demands,payments they can not possibly make, and at the same time I have to be firm. I can see what you are saying about some phone people at NCO.I am sure not all are like that. Thanks for that lesson. oh, and I dont know what I like best, Dustpan, or Duststorm. Dustypants was realy cute! What else can you come up with?
Posted by Mad Eye Moody on 2004-03-24:
See DebtorBasher - My ego is very much justified.
Dusty - "Why are they so rude" That's a good question you asked, that I've not seen yet on this site. People see the world as a reflection of themselves. Liars think everyone's going to lie to them. Rude people think everyone else is rude. It goes both ways...one of the hardest lessons I had to learn was that I thought everyone was as compassionate as I was brought up to be - when I found out that wasn't the case, the hardest thing to do was to keep on being compassionate despite the realization that not everyone naturally feels that way or acts based on those feelings. What a bunch of jerks.
Posted by dustyrose12003 on 2004-03-24:
madeye...True, point made. The thing these rude reps miss, is that while it is true there are people who just don't take resp. and pay their bills like they should, there are also those that pay their bills, but have had unforseen problems, or even bills and collections for things in their name but by someone else. This is especialy true for the so popular "identity theft" going on today (not my case, mine is legitimate)and it takes years to overcome once it has been discovered. The rudeness by these reps, my experience with them included, is unexcusable. At least that is the way I feel about it. What is your opinion?
Posted by DebtorBasher on 2004-03-24:
Dustbuster: I sense that you are beginning to mellow. Yesterday Madeye, today Dustbuster...tomorrow THE WORLD!
Posted by dustyrose12003 on 2004-03-25:
debtorbobber...dont get carried away with that
Posted by DebtorBasher on 2004-03-27:
Ok Dustruffle, I'll try to control myself. But it isn't always an easy thing to do.
Posted by dustyrose12003 on 2004-03-28:
debtorbater...boy, don't i know, but you do a pretty good job
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Posted by on 08/28/2003
Sneaky, rude, cowardice, and downright dirty, should be their comkpany motto. Im not even a person on their books, they call the wrong number and no matter how many times I tell them im not who their looking for, the more they call back.

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Posted by Anonymous on 2003-08-28:
Find the number of the office that is calling you and call back. Speak with a supervisor and advise them that you are receiving calls and that it is simply the wrong number. Should you receive any correspondence via mail then simply send it back with a small note stating person moved . Since you obviously have access to the internet then go to NCOgroup.com and scroll to the bottom of the first page and click on Contact Us you will be given an e-mail address you can state your complaint there. Its just something you can do if you want to make the calls stop since the conventional way is obviously not working. Good Luck !
Posted by Anonymous on 2003-08-28:
Call me and Ill take your number out of the system, 888-626-8381.
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This Company must be a Scam
Posted by Melissa S. on 08/17/2007
TRENTON, NEW JERSEY -- After reading some of the post I felt the need to share my experience. In March 2006 I paid off an outstanding credit card balance through World Financial Network National Bank, I was told no further action would be taken. Recently I've been receiving letters from NCO stating they bought out my account and I owed them...Wrong! I have my cashed check and receipts from last March and knew something wasn't right. Upon trying to contact NCO and clear this matter up the phone # on these official looking letters isn't even a working one! But it states you can go online and pay that way, I don't think so, I don't owe anymore on this account. It's closed and paid in full. I noticed most of the comments when people paid them had been when NCO contacted them, I suggest you try calling the # they give you and see for yourself. Also they state in the letter they sent me that they would share my info including my social security # with other related businesses...WHAT! Big red flag! One last suggestion go online and receive a copy of your free credit report you get one a year, which is what I did. When you get it, it shows all your outstanding debt and which companies it's in collection with, so if you receive calls from someone other than that co. hang up! One last thing on the letter sent it's stated their offices are in Horsham, PA but their return address is a PO Box in Trenton, NJ.
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Posted by Anonymous on 2007-08-17:
This is the biggest debt collection company in the world. You don't want to mess with them. What you should do is send them a registered letter stating that the debt is satisfied, that they should cease and desist collections, and request from them a Validation of Debt. If they cannot prove that you still owe the money, by law they have to stop. Don't ignore them.
Posted by Anonymous on 2007-08-17:
Melissa S., this indeed sounds like a scam and I hope you report it with the threatening letter about sharing your information to the states AG and anyone else you can think off. While I don't put it above NCO a criminal organization, it almost sounds like someone got your info from another source.

Good luck and keep us posted
Posted by Anonymous on 2007-08-17:
All America can hope is that some day when the complaints about NCO get so bad that they can't hide anymore some government agency will shut them down. If we ran a business like NCO runs theirs we would be in jail. NCO has the clout and money to break the law everyday but stay out of jail and in business.
Posted by DebtorBasher on 2007-08-17:
I agree this doesn't sound right. Do not send them any copies of your canceled check unless you verify that the PO BOX address IS NCO. What an easy scam for someone to get ahold of a little info, rent a PO Box and send letters out on accounts they know have been paid. The unexpected victim sends a copy of their canceled check to the PO address and ..WHAMO...some ID Thief has all of your bank info. The Horsham address is their corp office. NCO Does have sites all across the US and they DO use PO boxes...I would just make sure the PO box is actuall NCO's before sending anything to them. You have your check copies, that's all you need. It's paid, it's done.
Posted by warddw1526 on 2007-08-17:
You say it was paid through the World Financial National Bank. If the account was not closed properly by THEM, the account could very well have been sold to NCO. Check back with WFNNB.
Posted by jcsong on 2007-08-22:
Thanks for the tip about hanging up when getting calls from someone other than the collections agency on one's credit report.
Posted by Nunnaya on 2007-08-22:
I agree with ward...Sometimes the company that you paid does not properly zero out your balance. For example, if you accept a settlement for $500 and your bill was actually $1000, that $500 difference is on record showing that u owe unless someone actually takes the time to zero it out for you.

Sometimes when these companies go belly-up, they scurry around in their portfolio of uncollectible accounts and sell batches of em to different agencies like NCO, Resurgent, Asset, etc. When say an NCO gets you account it shows you still owe the $500 and thats what they typically bill you on unless interest applies. What you should do is call WFNB...(that's if they are still around) and see if they can give you a letter of satisfaction indicating you have a zero balance on this account. If you either have a letter specifically saying your balance is zero or if you can get one from them that is what NCO is going to take as proof. Do not waste your time with a cancelled check as a cancel check only proves that you did indeed make a payment to them, but it doesnt mean that the payment was the LAST PAYMENT... u understand? This is the point they are going to argue with you...so get a Zero Balance letter and fax it to them or send it certified mail.Once they receive the letter they will have someone document the acct as paid and zero out your balance on the account. That will fix the problem...
Posted by Nunnaya on 2007-08-22:
PS... NCO Corp. is in Horsham... however there is a PO Box in Trenton, NJ that is on the bottom of the letters...not all but some.. there are like a hundred NCO offices WORLDWIDE...India, Canada, Barbados, Etc..Etc...so u will notice that PO Box info may vary along with different 800 #s on letters because of so many different offices working different products... Good Luck with getting that Letter....
Posted by jamieg25 on 2008-11-18:
they will just change their name and keep fraud as usual as these posts about nco remind me of a company called transsouth which at my last knowledge changed their name to arcadia financial
Posted by DebtorBasher on 2008-11-18:
NCO doesn't "just change their name"...knock it off...they are the largest collection agency in the country and if they changed their name, I doubt it would be done as a secret.
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About the kind of people NCO hires, listen up people! This is very interesting...
Posted by Beckydo on 12/22/2004
BUFFALO, NEW YORK -- I worked for NCO for 1 1/2 weeks. This was not the place for me. I found the people that I worked with were young kids, just out of high school, most of them admitting that they are drug users. In training, which is supposed to be 2 weeks, but in some instances, only 1 week, you are told that the word "harassment" is not defined in NCO language, which means that the employees of NCO will talk to you any way they want to. I was polite to the people I called on the phone and was told many times that I was the only polite person there. Keep in mind, NCO hires ignorant jerks on drugs. Most of the guys and girls have pink hair with piercing wherever there is a hole on their body that shows. They have no manners and I assume they were rude to begin with and NCO gives them a reason to vent their anger and rudeness on the public. Well, I am in my 50's and I told them to stick the job. I was not cut out for this job, but just remember when someone from NCO calls you, the person from NCO most likely is a druggie that looks like a freak. Thank you for reading. Hugs all!!
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Posted by DebtorBasher on 2004-12-22:
It's interesting to hear that some NCO locations require drug tests before hiring and others don't. Does the location you were at have drug test done before hiring? The reason I say it's interesting is because I've heard this a lot. Of course there are ways for people to pass a drug test and those who uses drugs, know all of the angles. Something else I found interesting is when some people are tested and others are not, and they work at the same NCO locatation. It isn't just at NCO, you also have admitted drug users driving school buses, working in City Hall, preaching at our Churches and performing surgery on people. Good luck at finding a 100 "Drug Free" work place!
Posted by Beckydo on 2004-12-23:
No, they did not drug test anyone at this NCO location, although they asked if you would submit to one on the application. The guy that sat next to me admitted to smoking crack or smack or whatever they call it. And, yes, I did work in a drug free environment for 18 years. The company I worked for went out of business, but we were constantly drug tested and we never knew when the drug testing van was going to show up at our place of employment!!
Posted by karlb on 2004-12-23:
Very interesting!! Have you read about my experience (about the eighth one down from your posting titled "debt collections")? Do you think that opening a MSN bill payer account in a debtor's name is tactic that an NCO employee would use? Please reply to my posting. Thanks.
Posted by sanford31031 on 2004-12-23:
Hmmm, I thought all people from NOO YAWK were freaks with pink hair and piercings.
Posted by DebtorBasher on 2004-12-23:
KarlB: in your posting you stated you did not know who opened the account in your name, and now you are saying it was an NCO Employee, was that confirmed by them? If it wasn't confirmed and it is only your guess, then be careful making those comments to the public. I worked in collections for a hugh department store chain and yes, there were two employees that opened several accounts under deceased customer's names. Once it was proven they were arrested. So, yes, it does happen but be careful until you have confirmed who the guilty party is ... you would be surprised to find out how many fraud cases lead directly to a family member.
Posted by DebtorBasher on 2004-12-23:
I beg your pardon, San....my hair is purple this week!
Posted by sanford31031 on 2004-12-24:
LOL! I just got back from NOO YAWK!
Posted by DebtorBasher on 2004-12-24:
That's just as bad as NOO Joyesy!
Posted by stopNCO on 2005-03-20:
There are a couple of attorneys who want to speak to anyone who has been harrassed by NCO or who knows about abusive NCO collectors!


Give them a way to contact you and then please tell them your story.
Posted by STIdreams22 on 2005-09-07:
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