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Notice of attempt to collect debt
Posted by on
COLORADO SPRINGS, COLORADO -- I received a letter from NCO Financial Systems, Inc stating that my America online account had been turned over for collections. I have NEVER had an account with AOL so I immediately called the # given on the letter (1-866-372-8498) only to find out this # was not valid, it rings with long tone's just as if you are calling an international #. It will ring for a while and then hang up on you. I have attempted this same phone # 10-12 times now.

I attempted going to the website given on the letter: but it asks for a passcode (which the letter does give me) but I was uncomfortable putting that in as I think this is a fraud and attempt to phish for my information. The website will not allow you past the main page without this passcode which I find very odd.

I called the state of colorado department on collection agencies and debt collection. They in turn gave me a valid phone # to the NCO. I spoke with a woman named Amy Davis and faxed her the letter I received and they confirmed it was a valid letter and she said she spoke with someone at the phone # on my letter (866-372-8498), I told them that phone # had not worked for me all day. They tried calling again with no success saying the # was down and not working and they would call me back in a few minutes.

I then received a call from some man with an accent so thick I could barely understand saying he was with NCO (I guess Amy Davis with the NCO must have given him my phone #). He told me to "hold the line" I did so for 2 minutes and then he came back saying "you contacted us?" I explained to him the situation and then he told me he was not with the NCO and hung up. I tried calling the NCO again and asked to speak with Amy Davis again (the woman with whom I spoke too numerous times and faxed my letter too). Each time I called her she would put me on hold and then hang up on me.

I have contact the billing department at AOL and they cannot find record of me because I obviously do not have a screen name. They stated they would send me a fraud affidavit but that was all they could do for me since I could not provide them with a screenname (since I don't have one).

I am at my wits end, I have NEVER had an account with AOL. The phone # on my letter is not valid, I can't verify information off the website given on the letter and AOL cannot do anything for me because I can't confirm a screen name (because I don't have one).

I do not want this hitting my credit but I do not want to send a check to clear my name (just to keep my credit clean as its perfect right now and I don't want to have it be hit with something that doesn't have anything to do with me) as I can't verify where I am sending a check too and I am afraid it's mail fraud.

I have filed a complaint with the Better Business Bureau but it can take up to 30 days to hear from them. The letter I received states I need to respond within 30 days. I also filed a complaint with the FTC and AOL is sending me their fraud affidavit form.

All this trouble for something I haven't even done, what a NIGHTMARE!!!!

the letter stated the following:

Creditor: America Online, Inc
Account#: 387494526
Regarding: Past due balance
Principal: $23.90
Interest: $0.00
Interest rate: N/A
collection charges: $0.00
other charges: $0.00
Total balance: $23.90

The named creditor has placed this account with our office for collection. It is important that you forward payment in full.

If you choose not to respond to this notification, we will assign your account to a collector with instructions to collect the balance.

To assure proper credit please pur our internal account number ###### on your check or money order and enclose the lower portion of this letter with your payment. If you need to speak to a representative contact us at 1-866-372-8498.

Returned checks may be subject to the maximum fees allowed by your state.

You may also make payment by visiting us online at Your unique registration code is ###############.

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion thereof, this office will assum this debt is valid. If you notify this office in writing within 30 days from receiving this notice, this office will obtain verification of the debt or obtain a copy of a judgment and mail you a copy of such judgment or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor.

This is an attempt to collect a debt. Any information will be used for that purpose. This is a communication from a debt collector. PLEASE SEE IMPORTANT INFORMATION ON THE REVERSE SIDE. FOR INFORMATION ABOUT THE COLORADO FAIR DEBT COLLECTION PRACTICES ACT, SEE
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Hugh_Jorgen on 2006-09-26:
I think I would follow their instructions and make a written complaint to the address on the letter just to CYA. At that point, the burden of proof is on them. Check your credit report from time to time and if this pops up you can always dispute it. I'm betting that they figure most people will pay $24 rather than fight it - I applaud you for fighting them. Let us know what happens.
DebtorBasher on 2006-09-26:
Don't send them anything at all at this point...this is the second complaint in two days about this same matter, with AOL and an unreachable phone number...I'm thinking the number may be an 877# and NOT an can try that, in the meantime, I am looking for some info for you and the other poster from NCO regarding AOL...and will pass that info to you as soon as I can.
beanspot on 2006-09-26:
I just received one of these letters from NCO regarding my AOL account. After finding a number for them, the one on the letter led nowhere, it took several times to actually get someone on the phone. The first time someone answered asked if I was calling to arrange payment, I said no and he hung up. I finally reached someone he verified the debt was real and I asked for a debt validation letter which they agreed to send. I then advised that they should make sure their phone number was correct when sending this type of information, they verbally abused me stating that I was just trying to avoid the debt. "You really think we're fake?, try not to pay the debt and your credit will be affected." I will be calling AOL to sort this out, are there any other tips I should know?
Anonymous on 2006-09-28:
Add me to the list of people who have received the collection letter from NCO on behalf of AOL. Like most of the people posting, I am not nor have I ever been an AOL customer. I was able to get right through on their 866-372-8498 number, but the person I spoke with did not believe that I had not incurred the debt and suggested that I send them a written dispute. After finding my3cents, I called AOL's fraud number (800.307.7969 thanks to honeypunch) and spoke with Denise, who promised to snailmail me an affidavit which I will fill/sign/return. AOL will then use this affidavit to cancel the debt and they will notify NCO.

Here's hoping it clears up as easily as all that. We did have a credit card stolen approximately 1 year ago, which was the time of the so-called charges. There were no fraudulent charges with AOL on my account at that time, but most of the fraudulent charges were computer-related. I'm hoping this is connected to that and not some new problem.
CaptainSpaulding on 2006-09-29:
robwolf110, I'll add you to the list of my3cents trolls, as you have been posting a lot of smack on here. You talk the talk... Do you walk the walk?
regards_pratik on 2006-10-02:
yo AOL # that I called first Raj came and told me that he cannot do n e thing and gave me this # 1 877 773 4462 and then I talked to Jack and he is like I had acct with them and I had to pay 60 to them and I was like that was 2 yrs back which I had already disputed it and y m I getting the latter now. and he is like oh he cannot do n e ting and I got to call the NCO only when I told him that the # doesn't work he is like he cannot help me out in that. he is like oh wat I can do is I can cancle the 60 if u apply for $10 plan with us I m like hell no y should I so he is like he cannot help me out. so robwolf100 if u have the other # for NCO plz send me on thnx. this is pathetic that v have to go through all this sh** now. so plz if u can help me out here thnx
Kysailor on 2006-10-03:
I got the same crap from them also about screename but here's how I finally got info out of them,,on your letter it gives the account under the AOL information in which there trying to collect the debt on...Tell them at AOL this the account your inquiring about,think hard cause there going to ask for telephone and address assigned to this account..HAVE you moved in the last 2 or 3 years,here's the deal found out what they are trying to bill is an old PrePaid AOL account I setup for my daughter few years ago when she went off to school,not a normall monthly credit card account but using prepaid cards you could pick up at just about any Walmart,finally got hold of a AOL billing rep. using live chat on there site,told him what's going on he gave me 2 direct numbers to billing, I'll pass them on. The story is they never should have billed that account to begin with,since it was prepaid minutes off a card like a prepaid phone,this is the reason I cancelled them at that time,they apologized and closed this account and cancelled the balance to zero.. Well guess what,,,yeah you guessed it,sometime late in 2005 they began billing this account again that's where this debt is coming from in my case. AOL again humbly apoligized and wiped the slate again..I don't trust them..I've sent a letter to NCO telling them the situation and politly told them to hold there breath waiting for a,and requested a debt collection verification,they have to do this by law.also have sent copies of both letters to the attorney generals office notifying them this could be happening across the country and state since from what I have seen this was a mass mailing around the last week of sept..Here's the direct numbers to AOL billing..First number is kind of a pain it a voice mail type you have to keep answering verbal questions,,like screen name,,stay vague or don't answer any question it will give up putting you in contact with a live person,and yes it will be overseas..this is where I got the second number which puts you in touch with a live person,,who cancelled the debt collection request..or so he says,,told me I could call back anytime to check the status on the account,so far so good,,but like I said this was done few years back and they re-activated the account and began billing again,,thank goodness it wasn't a credit card billing,this way they have to deal with me directly,,I'm not satified I'm going to pursue this further,going after AOL since they seem to be the root of this by taking it on themselves to just start billing dead accounts,Here's the numbers 1-888-265-8003 1-887-773-4462 still might have a wait but believe me heck of a lot shorter than waiting to die or somebody to take your call at the regular AOL support line..
linian on 2006-10-09:
I have also received a letter from NCO Financial Systems Inc. I have called them with no success. I tried a FREE month but never used the whole month and called to cancel. AOL charged my bank account 13 times at a $1.00 each for using this so called free 30 day trial????? anyway I had to close my bank account and my bank put a FRAUD Alert on aol and now I'm getting a collection notice for $95.60??????????? NEVER will I never pay this and if anyone who has any advice for me at this time I am willing to hear it. I share my aol account with my parents and its FREE for me so if they think for one moment they are getting any monies from me well they can just go jump off a cliff or whatever! Thanks Linian
regards_pratik on 2006-10-11:
and even the # that I called for NCO ppl I got it from online when I searched for them, when I called that # some Bit** hung up the dam phone on me. she is like oh u going to have to write it on the paper wats the prob and send it to us and then hangs up. then I called back on the same # and someone else picks up and then I tell her that some bit** hung up on me for no reason and then she tells me the same thngs and not even ready to listen. I still have the paper with me and I m also not going to send n e thing and if ne thing happened to my frea**ng credit score I m going to screw aol big time man.
yogagirl on 2006-10-11:
My father also received this same letter (for the same amount). I used the helpful posts on this website to call the AOL fraud dept (1-800-307-7969). I have to say they were very courteous! After confirming our information, the representative said they would mail us affidavit which we can sign to cancel the debt. This is all the same info as robwolf100 posted.

The only new piece of information I can offer is what the rep said to me on the phone this morning. I asked what was going on and explained the kinds of postings I was seeing on this web site. So the rep tried to fill in the gap a little. She said that NCO had some kind of data glitch and didn't attempt collection on some huge number (in the 2-4 million range) of accounts several years ago. It is actually NCO that is trying to go back and garner money on outdated claims. The AOL rep told me other companies were likewise being impacted by what NCO is doing right now. This is also apparently why their phone number is swamped.

I have not verified this information through any other sources, this is just what I was told on the phone by one representative at AOL.
dammitdexter on 2006-10-11:
I too have fallen victim to NCO Financial, Inc. and what appears to be a scam.

FIRST: DO NOT have personal contact NCO Financial UNTIL you have submitted a fraud claim with AOL's Fraud Department. If you do have contact with them, DO NOT give them any type of information that they can use against you such as: employment information, financial/banking/personal savings & checking account information, additional perosnal contact information and be very vague. DO NOT cooperate with them whatsoever. If they begin to harass you and become aggressive or even rude and offensive, hang up the phone. In fact, unless you're going to call them to give them hell, you shouldn't attempt to make any contact with them whatsoever. DO NOT visit the NCO website and type in the registration number provided to you on the collection statement. That is what they want you to do.

I received not one, but two letters from NCO Financial stating that I owed $95.00 and $25.00 for an AOL account. Mind you, I have never had an AOL account or ever used anything relating to AOL at all.

So, I attempted to call the number provided on the collections statement and it turns out that it's not a valid number. Nobody answers the telephone. I'm glad it didn't work, because then I did research online and came to this thread.

I then called AOL's Fraud Department and spoke with a representative to assisted me in filing a fraud claim on the account (use the account number listed on the statement) and sent me a form via postal mail to fill out and return to them to finalize the fraud claim.

My understanding is that many have received this letter and I highly recommend that you contact AOL's Fraud Department as I have to file a fraud claim. If you desire, I also suggest that if it's somehow possible (I haven't been successful) to contact NCO Financial and give them hell. This is fraud and could higly impact your credit standing.

I also HIGHLY recommend contacting the Better Business Bureau and Federal Trade Commission to stop this organization.

File fraud claim:
AOL FRAUD DEPARTMENT: 1.800.307.7969

Report and file a business and identity fraud complaint:
Ricksgirl on 2006-10-16:
I also received the collection notice and couldn't get through on the phone (no wonder, with everyone getting these fraudulent notices!) I called the AOL fraud line 800.307.7969 and pressed option #4. AOL is sending me a form to sign and return to them and then they are notifying the collection agency. If this all works it will be extremely easy because of the info on this site....Thank you!!!!
Ricksgirl on 2006-10-24:
It's now the 24th and I'm still waiting for the papers that AOL promised to send out. I just called and they said they'd send another so we'll see how long this takes!
eskimax88 on 2007-01-04:
I got a letter today in the mail from NCO stating the exact same thing as everyone elses letters. Mine says it is $344.00 past due. Thanks to everyone on this site I know this is a scam. Hopefully most people will not let themselves be harassed by this scammer.

chemengine on 2007-06-13:
I recently received a bill for a alleged doctors bill from over 4 years ago. I called and asked them for a detailed statement. A month later I called back again and asked for a statement - I had the same problem with the accent - you could barely understand the folks on the phone. It ended up taking 10 weeks three phone calls to get a statement and it was very incomplete. Generic dates and no billing info, original creditors info, etc. I really think this is a scam shop but it is not worth the trouble and potential damage to my credit report to fight it over $40.
ssif21 on 2008-02-05:
NCO Financial is clearly a collection of idiots. I recently was issued a new wireless phone by my agency (part of the U.S. Department of Defense). I guess the previous owner of my number had credit problems so I receive 4 or 5 taped calls a week from NCO Financial demanding that I call them. I finally tried and was on hold for over an hour. I then tried calling back and received a message saying "We are currently closed. Our office hours are..." It was, in fact, during their office hours when I was calling. It then kicked me to a voice mail box where I got a tape saying I could not leave a message because the box is full. I guess I'm just turning this over to our security branch to be pursued as harassment.
jamieg25 on 2009-01-28:

since your agency is part of the department of defense I would think that the ftc would actually listen to a government agency complaining about harassment because they ignore all of us non government non celebrity people that are getting scammed
whitemicmike on 2009-07-26:
Well its possible that someone opened up a AOL account with your information. You my friend may have been a victim of identity theft fraud. My suggestion to you being that I work as a legal consultant is to get lawyer. I have a suggestion if you want it. I work closely with pre paid legal, and what they offer is insurance in case something like this happens. Identity Theft Shield is one of them and they work with a company called Kroll for the theft shield. They are the ones that brought down Enron and work with the FBI on forensics. This is great if you want to protect you or your family. If you want to know more you can give me a call its 1-561-584-3714 the names Derrick, or you could visit my site I'm a licensed legal consultant that works with any legal situation. My site is
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StarStarEmpty StarEmpty StarEmpty Star
NCO Fianancial Returned My Letter
Posted by on
Rating: 2/51
SAN FRANCISCO, CALIFORNIA -- Okay I decided to tackle a bill I owed for medical reasons, it wasn't much just $1500. I got a call only one from NCO, Googled the crap out of them and figured out they bought the debt.
Also Googled getting a debt company off your back and discovered that one can pay pennies on the dollar, to what the actual debt was.
I sent them a letter to this affect stating I can afford $387 would you accept this as payment in full and if so please remove this delinquent status on my credit report. (Got a legal copy of the letter online)

Here's my problem, the letter just got returned to me under
"Not Deliverable as Addressed"

NCO Financial Systems Inc.
21250 Hawthorne Blv, Suite 400
Torrance, CA 90503

Can anyone help me with the correct address
Am I going about this the right way
Again I do not dispute the amount owed, I just cannot afford the full amount.

Many Regards
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DebtorBasher on 2012-12-15:
That address you mentioned seems to be a residential apartment building, that's why it was returned.

Try calling (408) 559-4441 and see if they have your account.

There's an NCO Financial listed at:
25210 Crenshaw Boulevard
Torrance, CA 90505-6134

You can also call your original creditor and ask them where your account was turned over, they should be able to tell you which location to contact.
jktshff1 on 2012-12-15:
DB, great info as usual
DebtorBasher on 2012-12-15:
Thanks JKT...wishing you and Mrs. JKT a Merry Christmas & A Happy New Year!!
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StarEmpty StarEmpty StarEmpty StarEmpty Star
NCO Financial Systems Charges Outrageous "Convenience fees".for Making Payments Online
Posted by on
Rating: 1/51
WILMINGTON, DELAWARE -- I became ill months back and had to cancel some home services, which included my cable/Internet. I just received a letter from NCO Financial Systems, INC. They are collecting for the DSL Company that I owe. Which is fine, I admit I owe this company some money. So, I had every intention of going to NCO's website to make a payment. To my shock, they want to charge a $12.00 "Convenience Fee" for every payment you make. So, if I make a $20.00 payment on my account, they will deduct $32.00 from my bank, and only take $20.00 from the balance.
This is outrageous. I have never seen a fee like this. I pay all my bills online, and none of them charge.
How are you supposed to pay off debts with outrageous fees like this? Can anyone shed any light on this? Is there an agency that should be made aware of this "Convenience Fee"?
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DebtorBasher on 2012-02-10:
There are a lot of companies that charge 'convenience fees' for paying online. But I admit, $12.00 is a bit too much. Usually I see anywhere from $2.50 to $5.00.

Our Gas company (Columbia Gas) charges a fee when we pay by phone through NCO (and this is for bills that are not even past due). I had asked them once if they would waive the fee since I was an NCO employee...they said, 'Sorry, but no we don't'...what the heck, it was worth a shot. So, I told them I would just pay it online since there was no fee to pay online.
yoke on 2012-02-10:
Is that the only way NCO will accept payment is online? Can you do it snail mail with a check or money order?
DebtorBasher on 2012-02-10:
If it's for a cable bill call the cable company and find out if NCO is just collecting for them or if NCO bought the debt from them. If NCO is just collecting for them then just send the payment directly to the cable company and keep your payment proof.
Churro on 2012-02-10:
But if NCO bought the debt then tell them to piss off.
DebtorBasher on 2012-02-10:
No Churro, If NCO bought the debt, mail the payment in to avoid the $12.00 convenience fee!
Churro on 2012-02-10:
If NCO bought the debt then what's the benefit of paying it? It's not going to help your credit score one ioda, it's not goin to benefit the company you owe money to and NCO is not going to sue. Like I said tell them to piss off.
DebtorBasher on 2012-02-10:
A payment in full to a collection agency will score better on your credit score than an unpaid debt to a collection agency. You wouldn't believe how many people called and 'begged' us to work something out for them because NCO was on their credit report as an unpaid debt and sure, it wasn't important enough for the debtor to pay at the time....UNTIL they tried to purchase a home or a car and the told us, 'This is the only ting that is holding us back, we need to show proof that we paid, if I pay now, will you send a fax stating it was paid?' Yeah right, I'll break my neck to help you out NOW! Heck, they couldn't even understand that we would not send a fax showing a debt was paid UNTIL the payment siree...they demanded it to be faxed while they were on the phone. Of course, that never happened.
madconsumer on 2012-02-10:
NEVER EVER allow nco to have one of your personal checks. it has been said they have deducted payments without prior authorization.

as Churro said, if nco purchased the debt, there is no need to pay it. being it was a cable bill, it won't cause you to many denials of credit.
Churro on 2012-02-10:
Basher, unless Fair Issacs has changed their fico formula recently a paid collections will have no impact on your credit score. True, sometimes a mortgage underwriter will request you pay an old collection but even then you can dispute it with the underwriter, creditor and reporting bureau. Depending on the amount a lot of times you can side step it.

There's no reason to ever pay a third party collector unless there's a good chance they'll sue and they seldom do.
Churro on 2012-02-10:
Dang, I'm ringing up the helpfuls on this one like a boss.
madconsumer on 2012-02-10:
once again Churro, spot on!!
DebtorBasher on 2012-02-10:
Churro, tell that to the people who wanted to buy a house, a car or a loan after being sent to a collection agency and not paying them. As a former NCO collector/skiptracer/quality assurance supervisor, I'm just saying it like it is. The poster isn't complaining about owing the bill, she's complaining about the fee charged to pay it online. Telling someone NOT to pay their bill when they WANT to pay it isn't very good advice the way I see it. But,'re entitled.
DebtorBasher on 2012-02-10:
So am, what's that tell ya? I'm sure you got one more than me though, but consider the source...LOL!
Auspie on 2012-02-10:
Excellent comment Crabblouismustbye
Churro on 2012-02-10:
I respect your experience Basher but that still doesn't change the fact that a paid collection won't help your credit score and in fact just the opposite. Once you paid it then you're stuck with the trade line for seven years whereas if you don't pay it you still have options.
Anonymous on 2012-02-10:
My vote's for DB on this one.

Telling someone to not pay a debt is not good advice. And saying that paying a debt doesn't impact one's credit worthiness is also a puzzler to me.

My sister is currently in the process of clearing up some old debts so she can get approved for a car loan..oddly enough one is a cable bill. Not only was she told that the debts need to be paid before she could be considered, but her credit score has increased once the collections agencies update their records, so I'm not understanding how paying a debt doesn't impact your score? Not only that, but once it's paid and as time goes on, the score will continue to increase.
raven2010 on 2012-02-10:
Folks, please listen to DB---she knows what she is talking about. There is entirely too much misguided advice floating around!
Churro on 2012-02-10:
"And saying that paying a debt doesn't impact one's credit worthiness is also a puzzler to me. "

Nobody said that. Strictly talking about FICO score.

"Telling someone to not pay a debt is not good advice"

I'm only talking about collections where the OC has already written off the debt and sold the paper to a third party collector usually for pennies on the dollar. I don't know if I consider that a debt or not seeing that usually the 3rd party colectors can't establish a legal claim nor do they even attempt to.

Churro steps back and shoots from behind the arc....nothing but NET.
Anonymous on 2012-02-10:
Ask Bill says:

When considering whether to pay off a collection account or not in regards to improving your credit score, you must consider several factors. The first is to look at the age of the debt. The older the date of the debt, the less impact it has on your credit score. In the past, if you paid it off, it would renew the date as recent activity and would actually create a negative impact on your credit rating. With time, your credit score would improve as a result of paying off the debt. But with the new scoring system by Fair Isaac and Company, paying off old debt does not hurt your credit score because the scoring system distinguishes between new payments and new delinquencies.
Churro on 2012-02-10:
"Folks, please listen to DB---she knows what she is talking about. There is entirely too much misguided advice floating around!"

It would be foolish to take any financial advice from an anonymous gripe site. The comments here serve as a good jumping off point to find more information. As far as my comments concerning the FICO score that's comes from Fair Issac's consumer website, . They have forums where that question has been asked many times. The answer is always the same.

Different points of view and perspective is a good thing.
Churro on 2012-02-10:
Right, JC. It doesn't hurt or help.
Anonymous on 2012-02-10:
How to improve a FICO score
Here are four steps to improve a credit rating:

Pay off all debts and keep revolving lines below 30% utilization. Do not "max out" your credit cards.
Diversify your credit portfolio. Have a mixture of different types of accounts. For example, you have only a Visa, MasterCard, or Discover card, get a department store credit card or card from a gasoline retailer. Maintain at least three active trade lines in good standing at all times.
Make your payments every month on time! Leave a small balance every once in a while to show that you are able to handle debt on more than one account.
Keep your oldest credit account active. Remember point number three "Length of positive credit history" discussed above.
DebtorBasher on 2012-02-10:
The debt in question is only a few's not a five year old debt! Geesh...READ the complaint! The poster WANTS to pay, the complaint isn't about paying the debt, it's about the fee they charge to pay online!!!!
Churro on 2012-02-10:
True Basher that's even worse because a recent collection will wreak havoc on one's credit score. That trade line will be there for seven years the whole time degrading the credit score albeit lessening as time goes by. Paying it is an admission that it's valid. I would never recommend that to anybody because seven years is a long time. There are other options to explore mainly dealing with the original creditor as you suggested earlier before this turned into a pissing match. Which by the way I won.
DebtorBasher on 2012-02-10:
It IS Valid!
Churro on 2012-02-10:
I fail to see where that matters.
DebtorBasher on 2012-02-10:
That's not all you're failing at. But I still love you and when I become your Sister-In-Law, I'll make sure your Brother's bills are all paid on time.
trmn8r on 2012-02-10:
My guess is you will get nowhere seeking regulatory help in fighting this convenience fee. Yes, it is taking advantage of people who are already financially stressed, but the question is can you avoid it? Is sending payment via the mail an option?

What they are probably hoping is that people in this situation will wait until the last minute to pay due to living day to day, and will have to do it online. It is pretty despicable but likely not illegal.
wirefly_spam_victim on 2012-06-03:
Recently, I paid $300 to NCO for a bill of Wirefly. I first disputed bill when I got the letter from NCO, because I was a victim of a scam (later it was proved to be true). I did not hear it back from NCO after my response with dispute, I decided to pay the bill to put it rest. I called NCO and was told that I could not pay the bill anymore because I had disputed. I had to withdraw my dispute first, so I sent a fax to withdraw dispute. Then I asked to pay through my credit card. I was also told to add $12 service fee for this payment. I was okay for that. However, when the credit card transaction shows -- there is no $12 added to the bill.

Now, I think my case might be different. Wirefly had closed my NCO account (I was not aware) but I asked NCO to have it open so I would be able to pay.

I wonder if NCO should have told me "your creditor has closed your account, you don't own nothing here" --- but they were obviously happy to take my money.

Now, Wirefly will have to refund $300 back to me.

The other question I have -- if this transaction would end up my credit report -- so taking down my score ?
NCOvictim on 2013-02-02:
I offered to make 40.00 payments and was told 20.00 would be deducted for collection fee from EVERY payment. 50% ----- how is this not a loan shark, taking advantage of people who don't have the money in the first place
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Illegal Practices! Lawyers Should See This!
Posted by on
FLORIDA -- To any Lawyer who gives a damn about justice,

My name is Adam Kane and I worked for 3M in St. Paul, Mn. as a Medical Sales representative for over 5 years ending 10/2011. At 3M, we are given a corporate credit card to entertain doctors and hospital staff as well as pay for out of town sales trips and such. This credit card is taken out by 3M and not by me or the individual sales representative I have checked my credit report and there is no trace of this credit card or its history on my report. I currently have about an 800 credit score.

As of a couple weeks ago, this NCO financial has been hounding me about paying the remaining balance on my 3M corporate credit card and saying I have personal liability and that it is on my credit report. They are obviously in cahoots with someone at 3M. I'm not sure where to go from here but this is absolutely ridiculous. This might be a chance to finally rid ourselves and our society of these inept idiots without a conscience. I refuse to back down from these things!

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madconsumer on 2012-01-27:
there are many many law suits about nco. they are the lowest bill collectors ever. they use scare tatics, drum up old bills and try to collect on them. they even find any working nuumber that used to belong to a bill dodger, and force their crap on un-suspecting people. even when requesting verification of debt, they rarely prove the debts.

never talk with them, send them a certified notice for proof of debt. 99% of the time, they will never send proof.

extremely helpful review!!
DebtorBasher on 2012-01-27:
Have you checked with 3M about this? What billing address is on the credit card should be the company's address. I take it they are calling you at home, how did they get your home phone number? If it is not on your credit report and if they don't have your social security number on the bill, I don't see how they would be able to report it against your credit...if anything it should be against 3M's credit.

Send them a letter of cease and desist, certified with return receipt. If this is not your bill and you told them that, they need to stop contacting you. Do not give them any further contact information than they already have. If the continue to contact you after they have the C&D letter, you will have your proof of their violation. If they don't have your SS# DON'T give it to them.
jktshff1 on 2012-01-27:
If your name is on the card and 3m does not pay, you are liable. It's in the fine print of the contract.
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Horrible Company
Posted by on
HORSHAM PA, PENNSYLVANIA -- I am so upset with NCO Financial Services. The employees who work there are very rude. I am dealing with a terrible issue right now as we speak. I called NCO to have a check posted on a certain date, to pay off a debt, and this company posted the check on another date, causing, my bank account to have a snow ball effect of NFS fees, now I owe my bank 600.00 because of this. I have been on the phone with NCO to try to speak with a manager, I have been hung up on several times, told that the representative shows no notations of that change in date. I explained to them before anyone can say anything to them, the first thing that comes out of their mouth is this is attempt, to collect a debt, and this call this being recorded. I told them to go back and listen to the recording, the representative was very rude, and then told me that my date has been changed. I have still not heard anything back from these people. How in the world can you try and pay off debt, and get in more debt because of it. I am so angry right now!!!!!!!!!! I think this is a horrible company!!!
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Anonymous on 2009-08-20:
Unless you predated the check do you think they really care what date you wanted the check to be posted? Any debt collection organization would have done the same.
goduke on 2009-08-20:
No kidding chex. Many moons ago after I got out of school and had issues with student loans, I fell for the "post dated" check angle. What a Charlie Foxtrot that was!! They deposited 3 at the same time. When I called them on it they said "so what."
DebtorBasher on 2009-08-20:
"This is an attempt to collect a debt and any information obtained will be used for that purpose and this call may be monitored or recorded for quality purposes"...

That is your Mini-Miranda and Tape disclosure and must be stated before disclosing any information about the debt. Trust me, collectors hate saying it on every phone call everyday, just as much as you hate hearing it.

Setting up checks that are predated is a risk YOU take. It's against the law for a collector to ASK for a post dated check, but they can take it if you offer it...but the collector can not solicit one. (However, Chase feels that if they call it a 'future dated check' then they are covered because they are not asking for a 'post dated check'...I told them they were wrong and I wouldn't do it).
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NCO I have the names and email address
Posted by on
HORSHAM, PENNSYLVANIA -- NCO keeps calling me and I have no debt, so I sent them a letters, faxes, and email, to put them on notice not to call my number any more, and that I would contact my Attorney General, and I would be recording any other calls with date and time to give to my Attorney.

I sent all notices to the heads of the Corporation. The Name of the President is Mr. Michael J. Barrist,507 Prudential Road, Horsham, PA 19044. The Fax # is 215-442-8253. Ms Lisa Signore, Director Legal Compliance Department email is Lisa. is the CEO is the CIO, his assistant is is the Attorney & EVP and is the CFO.
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madconsumer on 2009-07-02:
nco is bottom feeders.
DebtorBasher on 2009-07-02:
Sending letters, faxes, and email just telling them you're going to contact your Attorney General isn't going to accomplish anything. You need to send them a request for a letter of validation (I have the link on my blog that will take you to the form letters). Be sure to send it certified with a return receipt. They then have 30 days to send you the validation of the debt. It may be a valid debt, and it may be an old debt that has passed the SOL. Did they even tell you what the debt was for or who the creditor is when they contacted you? Like I said, this can be taken care of, but just telling them you're contacting the Attorney General and telling them you're going to record the calls isn't going to get you anywhere.
ralph1 on 2011-02-19:
It is time that all Americans understand to stop dealing with the ones that are doing the calling and contacting the Heads of the Corporations, unless The heads cannot take the heat.
raven2010 on 2011-02-19:
Ralph, at most large companies the calls, emails and letter that go to CEO and other company officers are simply forwarded to a representative to handle.

I used to manage a group of reps called the "executive relations" team. We handled all complaints sent to the officers of the company, department heads, etc. Just a team of reps who had been there a long time and knew a lot about the business.

jktshff1 on 2011-02-19:
Well Ralph, good to see ya back.
DebtorBasher on 2011-02-19:
So, what was the outcome of your contacting those as stated in your complaint?
trmn8r on 2011-02-19:
Why contact the Attorney General, head of the company? I would get to the bottom of why they are calling you and proving it isn't your debt.

Edit - forgive me! This letter is ancient. What was the outcome? Are they still calling?

I had Verizon's collection agency calling me nonstop. I kept hanging up on them. One day I decided to speak with them, and we sussed it out that I was not the person that they were looking for. Problem solved - no more calls.
DebtorBasher on 2011-02-19: are forgiven.
trmn8r on 2011-02-19:
Oh Lord, thank you, thank you. This is one less thing to discuss at confession. I only have a half hour to chip away at the list.
DebtorBasher on 2011-02-19:
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NCO Financial is FRAUD
Posted by on
PENNSYLVANIA -- This company keeps calling me saying I owe a debt to a university in Pennsylvania for charges incurred in 2002. I left this particular university and transferred to another college in 1999. I DIDN'T ATTEND THIS UNIVERSITY IN 2002!!!! They also claim that I have made payments on this debt in the past but stopped in August 2008. The only payments I have ever made regarding education are the ones for my federal student loans, which I ALWAYS pay on time and directly to the US Dept of Education.

I called the university and they say I have no outstanding debt with them. I also know this to be true since they released my transcripts to the college I transferred to in 1999. They would not have released my grades if I owed them a debt, and the Bursar confirmed this with me.

I also spoke to a neighbor who is a federal prosecutor and he told me to cease all contact with NCO and check my credit record IMMEDIATELY. They had not posted anything to my record as of yet. He said their practices are fraudulent and assured me I had done the right thing in contacting the university directly. He also told me that any remaining debt I may have had (which I don't) is beyond the statute of limitations for both Pennsylvania and Virginia, where I currently reside.

Yesterday NCO contacted me again, still trying to collect on a debt that doesn't exist. When I called the woman out on the fraud, she became belligerent and threatened to report the debt to my credit record. She offered to send me a statement of the debt to prove it existed. When I asked her to confirm my address and social security number, she said she was unable to procure this information on her own, so she had nothing to repeat back for my verification. Then she asked me for my address and social. NEVER GIVE ANYONE YOUR SOCIAL OVER THE PHONE!!!! When I informed her that it would be hard for her to report me without my social security number, she became more indignant. She also didn't have an answer when I asked her how she got my phone number. She would know where she got the phone number (which, by the way, is listed to my father - not me - who has a different last name since I have been married for 8 years) if the university actually gave it to NCO.

I told her not to call again and that I would be reporting NCO to the FBI's financial fraud division. She hung up on me.

Also, she sounded like she was eating a sandwich while we were speaking over the phone.
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Anonymous on 2009-04-18:
...Also, she sounded like she was eating a sandwich while we were speaking over the phone...

I was going to suggest a member here by the name of DebtorBasher as a good reference, but that statement above leads me to believe that you've already spoken to her.
tander on 2009-04-18:
When I read that C20, the same thought crossed my mind but I wasn't brave enough to post it..LOL
madconsumer on 2009-04-18:
nco is bottom feeders. they use deceitful tactics to bully people into payments.

very helpful.
Anonymous on 2009-04-18:
If they call again ask for their mailing address. Then send a letter, return receipt, demanding proof of the debt. You can find samples of such letters online. I wonder why your prosecutor friend didn't recommend sending a letter.
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Must Read Before You Talk to a Creditor
Posted by on
Dear People,

A few years ago, I was contacted by NCO Financial about unpaid credit card debts from several years prior. They tried all the tactics I've read about here. From my experience, I have the following advice to offer:

Before you talk to a debt collector, you must read and understand the Fair Debt Collection Practices Act. Google it. There are also several books available which explain the act in plain language and provide sample letters to use in communicating with collectors. It is imperative that you understand your rights before you talk to debt collectors. Accepting their statements as fact is just stupid.

Do not be scared by debt collectors' aggressive tactics. Don't fall for their lame attempts to inject a sense of urgency into your situation. By the time a company like NCO has purchased your bad debt, there is nothing urgent about it. You've certainly got time to look into it. And whatever you do, don't let let them talk you into making an immediate payment ... no matter how small. Making a payment on a debt on which the statute of limitations has expired will reconfirm the debt and make you responsible for it.

In my particular case, NCO started harassing me about 90 days before the statute of limitations ran out. By requesting in writing that they confirm the debt and by insisting that we communicate only in writing, I was able to delay them until the statute of limitations expired. I then sent them a letter explaining that they'd just missed the statute deadline and invited them to move on to another victim.

I still get calls from third party debt collectors now and then, but instead of worrying about what they might do to me, I toy with them until they get frustrated enough to hang up. I must admit I've come to actually enjoy it.

I get frustrated reading accounts of the harassment these vultures subject people to. If you're in a situation where you must deal with these companies, invest the time into arming yourself with the Fair Debt Collection Practices Act.

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Anonymous on 2009-04-02:
“…NCO started harassing me about 90 days before the statute of limitations ran out.” “…I was able to delay them until the statute of limitations expired.” “Making a payment on a debt on which the statute of limitations has expired will reconfirm the debt and make you responsible for it.”
The post suggests the OP owed money and used legal tactics to avoid paying the debt, rather than legally avoiding the debt collector. I don't see that as honest. If the OP owed money, but was unable to pay it, there needs to be a system of mercy where the debtor and creditor can come to terms (the Bush admin blew that away in 2005 and all but brought back debtor's prison). I suggest the OP take the amount owed at the time and donate it to a needy charity. The universe, karma, or G-d will ensure any gain in not paying the debt will be offset by some hardship.
jktshff1 on 2009-04-02:
Doc, donating the "proceeds" is a great idea. But, character and your word seem to be going the way of the dodo bird.
The only thing I agree with the op is saying is an understanding of the collector's rights and the debtor's rights ie terms and conditions for lack of a better term.
Morgan1965 on 2009-04-02:
I've taken your advice and have just donated the amount of the original debt plus interest to the "Morgan goes to Cancun Summer 2009 Charity". I challenge you two [snip - please be respectful] to match my donation.
Anonymous on 2009-04-02:
Absolutely, jkt. Knowing your rights and abusing your rights are two different dogs. BTW: I think I am starting to see the top of my desk!
Nohandle on 2009-04-02:
If I read this correctly Morgan, you owed a debt and are offering advice to others on how to avoid paying that debt. Am I correct? If so, shame on you. Enough credit card debt is being written off through bank bailouts much to the delight of we, the taxpayers.
Anonymous on 2009-04-02:
Morgan, I'll wear my 'idiot' button with pride on this one.
jktshff1 on 2009-04-02:
Right on Doc.
Morgan, I am not going to bring myself down to your level. You knowingly schrewed someone out of money you owed them and are bragging about it. Glad ya ain't my family.

Anonymous on 2009-04-02:
Amazing. It's the 'I'm sleazy and here's how you can be too' post. And you're proud of yourself?
Morgan1965 on 2009-04-02:
So you guys aren't going to donate?

Here's the deal. For the record, the credit card had been paid in full and the account had been closed for almost 5 years. Out of the blue, NCO Financial starts harassing me. In researching it, I ran across the FDCPA and discovered the statute of limitations issue. I demanded that NCO confirm the debt. Interestingly, they never responded. So instead of arguing about the legitimacy of the debt, I invited them to sue me. BTW, initiating (and probably just threatening) legal action against me after the statue of limitations had expired may have been a violation of the FDCPA.

The point of my post is that regardless of why you've been contacted by a junk debt buyer, you would be foolish to engage with them without doing your research and knowing your rights. I purposely did not address the legitimacy of the debt because it is irrelevant to the point of my post. I'm not interested in commenting on someone's morality. If you want to talk morals, go to church.
jktshff1 on 2009-04-02:
The legitimacy of the debt IS relevant to the post from the replies you are receiving. A person who intentionally reneges on a debt is a dishonest jerk (IMHO)
BTW..I don't do the church thing.
And to add, with the attitude that went with the post, I wouldn't donate water to put your fire out.
Soaring Consumer on 2009-04-02:
Noting that the credit card was paid off and the debt is illegitimate is a big factor in determining the legitimacy of the complaint.
Morgan1965 on 2009-04-02:
Speaking of dishonest jerks, have you not seen the recent reports detailing the tactics third party debt collectors use? I can't see how those leeches are owed even the slightest amount of honesty.

But morality can be debated forever. All its done here is cloud the issue. The FDCPA outlines procedures for how debt collectors must interact with consumers, without regard to the legitimacy of the debt. It doesn't have separate rules for legitimate vs. illegitimate debts.

I've read several posts from people who've been harassed by companies like NCO. And my point, whether you owe the money or not, is that it is foolish to deal with debt collectors without understanding the protections afforded by the FDCPA. What you ultimatley decide is moral, right, just, appropriate, etc. is between you and .... whoever. (But not me!) I just think you should know your rights... and if you get the opportunity to jerk the debt collectors around a little, give it a try. It feels good.
jktshff1 on 2009-04-02:
Morgan, you are coming around.
Is that not what I said at first? Yea IF you know your rights you can jerk them around.
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NCO Group to Pay Texas $250,000 in Collection Settlement
Posted by on
TEXAS -- NCO Group agreed to pay $250,000 to the state of Texas to resolve an enforcement action that focused on the company's debt collection practice in the state.

Texas Attorney General Greg Abbott announced Friday that his office had reached a settlement with accounts receivable management giant NCO Group in an enforcement action targeted at NCO’s work on behalf of its debt buying unit, NCO Portfolio Management.

Horsham, Pa.-based NCO agreed to pay $100,000 to the state’s general revenue fund and $150,000 to the state’s attorney general’s office to cover legal fees incurred in the investigation. Under the settlement, NCO admitted no wrongdoing.

Abbott’s office said in a press release that NCO violated the Texas Debt Collection Act by making “harassing and sometimes profanity-laden telephone calls to Texans” and not verifying the validity of the debt when challenged by consumers.

“Today’s agreement protects Texans from unlawful debt collection practices,” Abbott said. “Texas law prohibits collection agencies from using unlawful threats and coercion to collect debts. With today’s agreement, the world’s largest debt collector agreed to implement safeguards that will protect debtors and ensure full compliance with the law.”

NCO said in a statement that it would spend $300,000 over the next three years on compliance programs. The company said it would spend the money on “technology designed to further strengthen its communication with consumers and to assist consumers in resolving disputes that arise from time to time in the collection process.”

NCO will also establish a $150,000 restitution fund.

Michael J Barrist, NCO Chairman and CEO, commented in the statement, “NCO is proud of its record on consumer compliance. We are pleased to be able to resolve Texas's concerns within a framework that will allow us to improve our consumer interaction not only in Texas but within all of our markets. As the largest provider of accounts receivable collection services in the world, we truly believe that our new initiatives will set the standard for the entire industry.”
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Anonymous on 2008-12-08:
It is good to see that the issues that consumers have are being dealt with. I believe everyone should be responsible for their obligations, but abuse by collectors should not be tolerated. I'm voting this helpful.
DebtorBasher on 2008-12-08:
Thanks John...and remember, they admitted to no wrongdoing...LOL!
DebtorBasher on 2008-12-08:
I just wish there were more reports on the individual collectors who violate the FDCPA...they can be fined $1,000.00 for violations and I think they should start doing that...if they do, we don't hear about it unless it's an extreme case. Companies can train them the right way, but it only takes one screw up when the collector gets on the floor to bring a lawsuit against the company and that collector should be held accountable for it.

Anonymous on 2008-12-08:
LOL I know DB. I am sure there are collectors that do their jobs and are compassionate. It is too bad that there are a few rotten apples in the bunch. It would be great if they could weed out, fine and then terminate the bad ones.
Anonymous on 2008-12-08:
I'm sure they cried all the way to the bank. 250k is a few hours profit for them.
DebtorBasher on 2008-12-08:
Yes, that's just pennies to them...but I guess they were fined based on the "alleged" violations.
Anonymous on 2008-12-08:
Don't Mess With Texas.
DebtorBasher on 2008-12-08:
Unless you're a Steeler! LOL!
DebtorBasher on 2008-12-08:
Did that hurt?
Anonymous on 2008-12-08:
Hell yeah it hurt!

A blowout would have hurt less.
DebtorBasher on 2008-12-08:
JC will kiss it and make it all better for you!
Anonymous on 2008-12-08:
She did. It didn't.
Anonymous on 2008-12-08:
Knock it off, you two!
DebtorBasher on 2008-12-08:
*Snicker* always come along and ruin our fun we are having at your expense!
Anonymous on 2008-12-08:
Relax JC.... and feel the love.
DebtorBasher on 2008-12-08:
C2O...she's Skeered!
Anonymous on 2008-12-08:
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NCO Group Looks Offshore To Ease Labor Costs
Posted by on
April 3, 2008
In a conference call to discuss financial results, NCO said that it is seeing labor costs drop due to offshore hiring, and that it plans to expand its presence in other markets.

NCO Group is realizing cost savings benefits by leveraging offshore labor, and the company has plans to open more international collection offices, company executives told investors during a conference call Wednesday.

The announcement follows the release Monday of 2007 annual and fourth quarter results by the global accounts receivable management and business process outsourcing provider. NCO reported that its collections, or ARM, unit payroll and related expenses dropped more than 11 percent to $95.8 million while revenue in the unit increased by $4 million to $204.3 million in the quarter.

CEO Mike Barrist said yesterday that labor costs had been reduced because the company is placing more collections work at centers in near-shore and offshore locations, and that improved technology platforms were creating labor efficiencies.

The company is planning on opening a new office in the Philippines – its third in that country – and is looking into opening a new office in Latin America. NCO currently operates an office in Panama in Central America and offices in Barbados and Antigua in the Caribbean.

The company’s most recent SEC filing underlines the shift to locations outside of the U.S. In its annual report filing for 2007, NCO said that last year, it counted revenues of $76.4 million from locations other than the U.S. and Canada, a 163 percent increase over the total in 2006.

NCO noted that the work performed in locations outside of the U.S. is typically for clients in the States, but that it was increasing the work it does for foreign clients. In 2007, 8.1 percent of the company’s revenue came from work for clients in Canada, the United Kingdom and Australia.

NCO said that at the end of 2007, it counted approximately 22,400 full-time employees and 1,600 part-time employees, of which approximately 19,000 were telephone representatives.
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Suusan B. on 2008-04-03:
Offshore call centers are the wave of the future - - my company has been doing this for the past two years and is about to layoff another large group of employees.
DebtorBasher on 2008-04-03:
I had to train the Philippinos for my job at NCO before we closed down after being the top performing agency.
Slimjim on 2008-04-03:
I smile at the very thought of some rookie Philippino collector trying to strong arm me over the phone to pay someone else's debt who had my phone number 5 years ago. Precious Moments indeed.
Suusan B. on 2008-04-03:
DB - - funny you should bring up training others for your job. I haven't been told officially that's what I'm doing but I pride myself on not being a complete idiot.
DebtorBasher on 2008-04-03: be honest with you, they were talking about sending me over there for a month to train them. I told them there is no way I was going over there for ANY reason and if they wanted my job, they will have to come here for it because I was NOT going to go over there, disrupt MY life and hand it to them on a silver platter. So...they came here and I only gave them the very basic. I did not give them the full training, just enough that I SEEN fit for them and I did not hand over all of my reports and spreadsheets that I had to create. No one handed them over to me, so why should they have it so easy and have me hand it to them...if they want reports and spreadsheets, let them learn to create their own.

After they got set up over there, I had to monitor and record their collectors and they had one FDCPA violation after another and the last I heard, the client was sorry they took the work from us and sent them over was because the client transferred their accounts that closed us down. They were a huge client and our only one, they would not allow us to house any other clients as long as we had them.
tnchuck100 on 2008-04-03:
DB: My daughter used to work for Ugly Duckling Auto Sales several years ago. She developed spreadsheets and reports to make her job easier. And received company praise for the results. They wanted her to move to a car lot 60 miles away. She refused. They decided they didn't need her any longer. Like you, she also took her software with her. She, too, was not about to let her replacement or the company benefit by letting here go. She found out later from another employee that corporate did notice reports were not as accurate as they had been.
Anonymous on 2008-04-03:
Dare I ask how she got a job at "ugly duckling?"
Anonymous on 2008-04-03:
With all respect, I find some humor (and a measure justice) in knowing that a company renowned for its abuse of debtors also abuses its employees. Who'da guessed they'd do something like that.
DebtorBasher on 2008-04-03:
Good for her...I was well aware from the day I started working there, 6 1/2 years earlier, that any programs, software or materials created at NCO would become the property of NCO and to be turned over to them. But, they never even realized that I didn't turn the over because they just had me put everything in envelopes or boxes to send back with them and I 'forgot' to include those and since the Philippinos didn't know they existed, they couldn't ask for them. I created an entire training program on PowerPoint that I used for all the new hires and I had to turn copies of them over to them, because that was the main part of the job, training the FDCPA...I would have no problem betting anyone that after two years, they are still using it and never thought about updating the State Laws on it as they Oh well...*shrugging shoulders*
DebtorBasher on 2008-04-03:
Ghost...they've done it long before out site got the ax...but we were always told as long as we performed, we had job security...and we were #1...and we kept our pride up to the day we locked the doors. The client is feeling it more than NCO is...but, if they don't update the laws, NCO will be feeling the lawsuits.
Anonymous on 2008-04-03:
I mean no offense, DB. But, they lied to you. Given the number ofnegative posts about NCO, the 'top performers' frequently lie (lied) to consumers. And herein is the ethical question: "Is it unethical to lie to a liar." I have a close friend in collections (similar to DB's old job). He's a nice guy and I'm proud to have him for a friend. Don't misunderstand, not every NCO employee is a scumbag, they need the work and are probably good people. But, here, they are getting a taste of what they dished out. Karma? All the best, DB.
DebtorBasher on 2008-04-03:
I'm not feeling sorry for them...they are getting back what they give. The site I worked for was an amazing company to work for compared to the NCO sites that have had compliants on site was never one of them...I DO blame the Corporated office in PA because it was announched to us 60 days before they closed...which means the corporate office knew about this way before that...and I think if they wanted to save our "top performing" site, they would have had enough time to get other clients lined up for us to work with so when the client we had pulled out, we would still have jobs. I feel if they wanted to save their #1 site, they could have also transferred the accounts from one their less performing site that had lawsuits against them and close them down instead. But the Corporate office did nothing to help us. Don't get me wrong, when I talk about how well NCO was with their workers and how we never had a lawsuit filed because we were compliant with the laws, I am ONLY speaking of the site I worked at...I'm not speaking for all the NCO sites and I would stick up for them if they were the last company on Earth because I KNOW about their collection practices and I never agreed with them and I will never defend them.
old fart on 2008-04-03:
Nash... wouldn't a program like that be considered "company property"...?
old fart on 2008-04-03:
Nash... I mean Bash, sorry...
old fart on 2008-04-03:
The "edit this comment " thingy just plain dissappeared..
DebtorBasher on 2008-04-03:
Yes, that's what I said, and I did supply them with a copy of the training video I created...because it was created on company time, using company equipment, so it was their property...but, as I said, most likely, they haven't been updating it to keep up with that changes in the law...
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