MEDFORD, OREGON -- It is simply amazing what debt collection companies are getting away with these days. Specifically, National Enterprise Systems (aka N.E.S. by its employees). My wife has a delinquent account currently in their unscrupulous hands. NES has already broken nearly every rule in the FTC book within a few days of getting the account. The hitman... er, agent... has made illegitimate threats, phoned her place of employment repeatedly, even after being told by the EMPLOYER not to do so. Excessive rudeness, way more phone calls than any collector I have ever heard of, and we have yet to even SEE a mailing from NES. All against the LAW.
But hey, who is going to punish them? Us?? If we had money to do that, we wouldn't be delinquent in the first place. The feds don't have time, energy or even seem to care. This company has caused my wife (and I) so much stress that she is unable to excel at her work. She happens to be the hardest working Realtor I have ever known, but the difficult market has put us behind the eight ball. I make $50k year, but it is not even enough to cover the mortgage and living expenses anymore. My wife is so good at her job, and you can lead a horse to water, but you can't make them drink.
Our credit has been shot (was always over 720 before this), and no more money to borrow is available to us. We have been systematically paying off debts as we can, based on amount owed and current status. So... Along comes NES. My wife is already stressed to the breaking point, and now I have to console her teary-eyed on the phone because these "people" have pushed lies upon lies of illegitimate threats upon her, attempting to embarrass her at work (job well done), and generally acting worse than a mafia extortionist.
As close as my wife was to feeling worthless due to these "tactics", how many good, hard working poeple have actually committed suicide due to NES policies? I would bet my life that it is pretty high. Financial stress is not to be taken lightly and I am appalled at the extents these extortionists are allowed to go. I am writing letters and filing official complaints to the FTC and Oregon AG. My wife is actually looking to do quite well in 2008 with her real estate, and we WILL have the capability to sue this organization.
BEWARE National Enterprise Systems, we have a bill in Oregon State legislature (SP120) giving the Attorney General jurisdiction to prosecute you. This is most likely going to happen, and it is NOT an idle threat such as your lies. We will gain evidence of wrongful death of your clients due to your policies. Yes, Virginia, there ARE morals in this world...
The debt was from 2 years ago and this was the first time I was contacted about the $500 I know I owed. I have moved but still have the same phone # that I have had for over 5 years. Tactics: They called at 8 am (earliest by law). Told me that, "We have made several attempts to collect the payment due, with no response. This is the last time we are going to contact you about this outstanding debt." (I never received mail or a phone call before this one.
Threatened me. "If we do not receive a payment today you will receive a order to appear in court."
When I told them that I need to speak with my Lawyer before I make a decision, the phone was passed over to someone else. (as if this new person has more knowledge and the gang up on him mentality) Come to find out after my many questions about the company and alternate payment methods they LIED! Then I was informed they would "recommend" that the company that I owe take that action.
I dragged my feet in making a decision to pay so they hung up on me, then called me back. (another attempt to get me scared into paying). The only method of payment is to give them your checking account #. In the end I paid the bill but cannot help feeling payment arrangements could have been made. I did not appreciate their methods.
Okay, I got myself in this situation and it's all my fault yeah. But the thing is I don't know what to do. I'm your typical college student that accumulated credit card debt and just blew off payments. now the collection agency NES is calling me for money. Okay. From what I read on some complaints here (don't know if they're true or false), NES uses a lot of scare tactics like claiming to sue, which they did to me. But also, whenever I call them they say they'll forward me to someone else and put me on hold, then they hang up. It happened about 8 times already. Sometimes its clearly the same person trying to change his/her voice.
Back on topic, this is the second collection agency. The first collection agency was canceled by Citibank in January this year, so I'm assuming they appointed NES as the new collectors. So they just got the case this month and they are already claiming to sue me. Is that possible? They're asking for $1,915, which I told the guy I can have by the end of February for sure, but they said no and that legal documents were already sent out to me to go to court.
I was expecting to pay the full amount on Jan 29, but I used the money to settle my other card in full today since they cut me a deal. so a check is still going to be charged to my account January 29th for $1,915 and every time I call NES to cancel it they just hang up. Can anyone help me? Advice for a 20 year old?
OHIO -- I recently was contacted by N.E.S. I came on this website, took it for granted that this was a collection agency & not to call them... 3 weeks later, I was sued & ended up in court paying 3x what I originally owed... Don't believe everything you read... I thought I could just blow this off, and now they are garnishing my pay checks & I was court ordered to sign over my title to my paid off 98 Corrola... This is the real deal...