NCO Financial Systems Informative - Before complaining
A few simple points to consider before complaining ...
1. If you have never had an account with the creditor they represent, the creditor is who your complaint is with not the collection agency; they simply pursue you based on the information provided by the creditors.
If you are not the right party, cooperate with the collection agent to confirm this and they will not call you again.
2. Are you the person their looking for?
If so, then you have an obligation that has not been fulfilled, and you must do so in a timely fashion.
3. If the collector you are talking to is unprofessional ask for an officer of the company, most agencies have a compliance officer.
4. Without the agencies aggressively pursuing debtors who have not paid, every "of age" citizen is now carrying the burden of the debt by paying higher interest rates and tougher qualification requirements. Not to mention more taxes for the bailout of these larger corporations.
5. If you are the indebted party and are upset with the calls to reach you, you need to reevaluate your efforts to resolve the issue.
If you truly are unable to pay the debt back, the bankruptcy courts will bring the account to its final conclusion, whether it is a personal debt or a business debt.
The problem in my opinion is people get frustrated with the embarrasssment of their inability to pay and have learned in our society that if you complain loud enough you can sometimes avoid the obligation all together as the creditors are not looking for a fight and will stop pursuing the debt as a course of least resistance.
Most of the people who complain on these blogs fall into this category.
If the collection agents are threatening action outside the abilities of actual legal recourse they are acting criminally and your complaint is best addressed by Law Enforcement.
My suggestions are as follows:
If you owe a debt… pay it!!!
If you can’t pay it… file the relief the creditors are entitled to by filing Bankruptcy!!!
It is a tough job to be a collection agent, most parties are in denial and attack the collector and the methods legally approved by The F. D.C. P.A. in an effort to avoid their obligations.
ON the flip side if more people would talk to the collectors they would find that they have insight on ways to resolve the issue to the satisfaction of the creditor and the debtor.
I have been in the industry 25 years and have been able to help THOUSANDS of parties resolve the problem of not only the creditor I was representing but other creditors they had in delinquency as well.
Collectors are not the problem, people hiding from or ignoring their creditors are the problem.
If you have any questions on how to address debt issues please reply to my blog I will be happy to assist in any way possible, and it will not cost you a dime, only your time to research the best solution available.