HERE'S A TIP: For annoying frequent calls (ie debt collectors) to your cell phone you could save the numbers that call and assign them a unique ringer ID to ring as 'Silent'. So you'll get the call but it won't ring your phone and bother you. Then instead of getting annoyed or frustrated you can just laugh. Sure it seems they call from a million numbers but after a week or two you'll have them all saved and silenced. (ps. I ran into an old Nokia phone with no Silent setting so possibly you could just create your own ringtone with just of couple "pauses".)

NCO Financial Services collection agency

I'm going to do the same!

PS They also use various numbers and area codes. I think I have seen five so far. I would really like to pay them also, but the light bill comes first.

It seems they also represent Sam's club and PayPal, subsidiaries of GE Money.

It is simple...  Either pay or ignore.
If you do not have the money, you will not be able to reason with a company that wants to be paid.
I am current stock with no money coming in and no resources.
I simple do not pick up my mobile phone unless I know the caller.
I keep numbers and simply google questionable phone numbers.
In regard to ths company, they were slick and had a young woman ask for me and then act like she got cut off in the middle of her greeting...

I get several calls and it seems from the comments here is some finacial co calls, but I shouldn't even be getting these calls since the only thing i would ever have to pay is cellphone bill

NCO financial = collection company and quite rude too

I've gotten calls from them starting as early as 5:30 in the morning. When I answer I get NO RESPONSE unless I stay on the line for nearly 10 minutes (i've done this exactly ONCE.) and their voicemails are always blank.

Seriously, I know I'm overdue, but be respectful would you please?

One of there dozens of numbers they call my cell from....

9/6: 8:04am
9/5: 3:39pm, 5:56pm
9/4: 12:26pm, 5:56pm
9/3: 8:11pm
9/2: 8:24am, 10:19am, 11:21am, 3:44pm
8/30: 7:39pm, 8:43pm
8/29: 11:38am, 12:39pm, 4:56pm, 6:25pm, 7:49pm,8:25pm
8/28: 8:17am, 8:34pm, 9:58pm, 11:36pm, 3:21pm
8/27: 6:22pm, 7:32pm

I will be sending them a certified letter demanding they stop the harassing phone calls.
No message is ever left.

NEVER EVER PAY NCO - they are a JUNK DEBT BUYER and are NOT collecting Valid legitimately owed debts.  THEY ARE KNOWN FDCPA VIOLATORS BOTH STATE AND FEDERAL.

They cannot even PROVE anyone owes a debt at all.  When they purchase JUNK DEBT - they only get names and account numbers - no paperwork at all.

If you pay them - they will take your money and Re-sell the debt to another JUNK DEBT BUYER  and it starts all over again




THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS
HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU

READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE
Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!    

The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!

Dealing with Debt Collectors
http://www.budhibbs.com/First.htm
    
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/statute_of_limitations.htm


Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
http://www.budhibbs.com/record.htm


From Federal Trade Commission Website ? FAIR DEBT COLLECTION PRACTICES ACT
Debt Collection FAQs: A Guide for Consumers
If you?re behind in paying your bills, or a creditor?s records mistakenly make it appear that you are, a debt collector may be contacting you.
The Federal Trade Commission (FTC), the nation?s consumer protection agency, enforces the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using abusive, unfair, or deceptive practices to collect from you.
Under the FDCPA, a debt collector is someone who regularly collects debts owed to others. This includes collection agencies, lawyers who collect debts on a regular basis, and companies that buy delinquent debts and then try to collect them.
Here are some questions and answers about your rights under the Act.

What types of debts are covered?
The Act covers personal, family, and household debts, including money you owe on a personal credit card account, an auto loan, a medical bill, and your mortgage. The FDCPA doesn?t cover debts you incurred to run a business.

Can a debt collector contact me any time or any place?
No. A debt collector may not contact you at inconvenient times or places, such as before 8 in the morning or after 9 at night, unless you agree to it. And collectors may not contact you at work if they?re told (orally or in writing) that you?re not allowed to get calls there.

How can I stop a debt collector from contacting me?
If a collector contacts you about a debt, you may want to talk to them at least once to see if you can resolve the matter ? even if you don?t think you owe the debt, can?t repay it immediately, or think that the collector is contacting you by mistake. If you decide after contacting the debt collector that you don?t want the collector to contact you again, tell the collector ? in writing ? to stop contacting you. Here?s how to do that:
Make a copy of your letter. Send the original by certified mail, and pay for a ?return receipt? so you?ll be able to document what the collector received. Once the collector receives your letter, they may not contact you again, with two exceptions: a collector can contact you to tell you there will be no further contact or to let you know that they or the creditor intend to take a specific action, like filing a lawsuit. Sending such a letter to a debt collector you owe money to does not get rid of the debt, but it should stop the contact. The creditor or the debt collector still can sue you to collect the debt.

Can a debt collector contact anyone else about my debt?
If an attorney is representing you about the debt, the debt collector must contact the attorney, rather than you. If you don?t have an attorney, a collector may contact other people ? but only to find out your address, your home phone number, and where you work. Collectors usually are prohibited from contacting third parties more than once. Other than to obtain this location information about you, a debt collector generally is not permitted to discuss your debt with anyone other than you, your spouse, or your attorney.

What does the debt collector have to tell me about the debt?
Every collector must send you a written ?validation notice? telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you don?t think you owe the money.

Can a debt collector keep contacting me if I don?t think I owe any money?
If you send the debt collector a letter stating that you don?t owe any or all of the money, or asking for verification of the debt, that collector must stop contacting you. You have to send that letter within 30 days after you receive the validation notice. But a collector can begin contacting you again if it sends you written verification of the debt, like a copy of a bill for the amount you owe.

What practices are off limits for debt collectors?
Harassment. Debt collectors may not harass, oppress, or abuse you or any third parties they contact. For example, they may not:
    use threats of violence or harm;
    publish a list of names of people who refuse to pay their debts (but they can give this information to the credit reporting companies);
    use obscene or profane language; or
    repeatedly use the phone to annoy someone.

False statements. Debt collectors may not lie when they are trying to collect a debt. For example, they may not:
    falsely claim that they are attorneys or government representatives;
    falsely claim that you have committed a crime;
    falsely represent that they operate or work for a credit reporting company;
    misrepresent the amount you owe;
    indicate that papers they send you are legal forms if they aren?t; or
    indicate that papers they send to you aren?t legal forms if they are.

Debt collectors also are prohibited from saying that:
    you will be arrested if you don?t pay your debt;
    they?ll seize, garnish, attach, or sell your property or wages unless they are permitted by law to take the action and intend to do so; or
    legal action will be taken against you, if doing so would be illegal or if they don?t intend to take the action.

Debt collectors may not:
    give false credit information about you to anyone, including a credit reporting company;
    send you anything that looks like an official document from a court or government agency if it isn?t; or
    use a false company name.

Unfair practices. Debt collectors may not engage in unfair practices when they try to collect a debt. For example, they may not:
    try to collect any interest, fee, or other charge on top of the amount you owe unless the contract that created your debt ? or your state law ? allows the charge;
    deposit a post-dated check early;
    take or threaten to take your property unless it can be done legally; or
    contact you by postcard.

Can I control which debts my payments apply to?
Yes. If a debt collector is trying to collect more than one debt from you, the collector must apply any payment you make to the debt you select. Equally important, a debt collector may not apply a payment to a debt you don?t think you owe.

Can a debt collector garnish my bank account or my wages?
If you don?t pay a debt, a creditor or its debt collector generally can sue you to collect. If they win, the court will enter a judgment against you. The judgment states the amount of money you owe, and allows the creditor or collector to get a garnishment order against you, directing a third party, like your bank, to turn over funds from your account to pay the debt.
Wage garnishment happens when your employer withholds part of your compensation to pay your debts. Your wages usually can be garnished only as the result of a court order. Don?t ignore a lawsuit summons. If you do, you lose the opportunity to fight a wage garnishment.

Can federal benefits be garnished?
Many federal benefits are exempt from garnishment, including:
    Social Security Benefits
    Supplemental Security Income (SSI) Benefits
    Veterans? Benefits
    Civil Service and Federal Retirement and Disability Benefits
    Service Members? Pay
    Military Annuities and Survivors? Benefits
    Student Assistance
    Railroad Retirement Benefits
    Merchant Seamen Wages
    Longshoremen?s and Harbor Workers? Death and Disability Benefits
    Foreign Service Retirement and Disability Benefits
    Compensation for Injury, Death, or Detention of Employees of U.S. Contractors Outside the U.S.
    Federal Emergency Management Agency Federal Disaster Assistance
But federal benefits may be garnished under certain circumstances, including to pay delinquent taxes, alimony, child support, or student loans.

Do I have any recourse if I think a debt collector has violated the law?
You have the right to sue a collector in a state or federal court within one year from the date the law was violated. If you win, the judge can require the collector to pay you for any damages you can prove you suffered because of the illegal collection practices, like lost wages and medical bills. The judge can require the debt collector to pay you up to $1,000, even if you can?t prove that you suffered actual damages. You also can be reimbursed for your attorney?s fees and court costs. A group of people also may sue a debt collector as part of a class action lawsuit and recover money for damages up to $500,000, or one percent of the collector?s net worth, whichever amount is lower. Even if a debt collector violates the FDCPA in trying to collect a debt, the debt does not go away if you owe it.

What should I do if a debt collector sues me?
If a debt collector files a lawsuit against you to collect a debt, respond to the lawsuit, either personally or through your lawyer, by the date specified in the court papers to preserve your rights.

Where do I report a debt collector for an alleged violation?
Report any problems you have with a debt collector to your state Attorney General?s office (www.naag.org) and the Federal Trade Commission (www.ftc.gov). Many states have their own debt collection laws that are different from the federal Fair Debt Collection Practices Act. Your Attorney General?s office can help you determine your rights under your state?s law.

For More Information
To learn more about debt collection and other credit-related issues, visit www.ftc.gov/credit and MyMoney.gov, the U.S. government?s portal to financial education.
The FTC works for the consumer to prevent fraudulent, deceptive, and unfair business practices in the marketplace and to provide information to help consumers spot, stop, and avoid them. To file a complaint or to get free information on consumer issues, visit ftc.gov or call toll-free, 1-877-FTC-HELP (1-877-382-4357); TTY: 1-866-653-4261. The FTC enters consumer complaints into the Consumer Sentinel Network, a secure online database and investigative tool used by hundreds of civil and criminal law enforcement agencies in the U.S. and abroad
February 2009

File complaints with

Federal Trade Commission  https://www.ftccomplaintassistant.gov/FTC_Wizard.aspx?Lang=en

Your State Attorney General
State Attorney General is every state they have offices

Link to all State Attorney General Websites www.naag.org

If you or they are located in NY ? use this SPECIAL Link  www.NYDebtHelp.com
This special website was created by NY AG Andrew Cuomo specifically for reporting illegal debt collection practices.  HE?S CRACKING DOWN AND SHUTTING THEM DOWN!
    
Also report your calls and contacts with debt collectors at http://www.budhibbs.com/index.html  If the company is listed under agencies ? report there. If not on the list YET, click on Watchlist! and add to the list.   You can also post here http://www.collectorsexposed.com/forum2/index.php?board=2.0

Call all day. No messages. Pretty much wasting their time calling me. Even if I could, wouldn't pay these jackyls. I enjoy hanging up on them and making them pay for a minute of phone time. It is the highlight of my day.

HOW TO HANDLE HARASSING CREDITORS & COLLECTION COMPANIES
como parar a los cobradores

http://www.dianedrain.com/Bankruptcy/Bankrupt ... torsArticle.htm

This number call several times a day. It get old after awhile.

If they send you a letter then you can send them a certified letter to get lost and be perfectly within your rights, and they know it.  If you ever talk to them, have them write you a letter and explain what it is they want and who they are.  Then go to this website:http://www.budhibbs.com/ceaseletter.htm  Send them this letter exactly as he presents it and they are toast.

they would call me and I would answer the phone but not say anything.  Was funny to hear them say, "hello," hello," "are you there."  Figured I would waste their time with an unproductive call.

They called collecting a debt from Banana Republic.  One agent called at 9pm.  Told them I paid the account in full today, gave them the amount paid, the date, the online confirmation tracking number, the last four digits of my BR account number, and told them the money came out of my bank today.  5 mintues later another agent calls giving me the small speal about being in collections.  Gave that agent the riot act with the same information I gave another NCO agent not five minutes earlier.  These people must be stupid!  One would think they could note your account and remove your name from their calling list.  It gave me great pleasure reaming out the second agent on the phone.  Not my problem their systems don't update.  Will see if they call back.  Bring'em on!!!

Got a call from this number today.  Also got calls that say NCO Financial Services from different numbers too; some 800#'s, 866#'s and even some local numbers, all that are from NCO financial.

same as all stories above, I owe on all my credit cards... these are the numbers that have called me, with no message.... 215-441-3000, 408-538-5102, 443-205-1045, 253-248-6406.

No message. Call 10 times a day. My response, CHECK YOU'RE MAIL!!!!!!!! I'm paid in full! Stop calling me!

http://www.ethannonsequitur.com/nco-financial-systems.html#

Please read the above link. This company is a scam and tried to collect a debt from me some years ago that I did NOT even owe. Read up on them, please. I guess they do try to collect some currect debts but the worst thing they do is the scam of old debts. This site also lists many of their phone numbers. They really had me scared until I did my research on them - and boy did I find out about how they use scare tactics on people!

NCO   Collection Agency.
They will call you until you die, settle your debt or file for bankruptcy.....

Hello,   if you get calls from other numbers as well please list them in your note so we can all add these numbers to our call block lists

I just keep calling them back and harassing them

KEEP CALLING ME DAY AND NIGHT! MONEY IS TIGHT AND I HAVE BEEN PAYING ON BILLS AS I CAN BUT THE A-HOLES WON'T LET ME ALONE.  WISH I HAD THEIR NUMBERS TO CALL THEM JUST TO SAY HI AND ANNOY THE CRAP OUT OF THEM ALL DAY AND SEE HOW THEIR BOSS LIKES IT!! GLAD TO HEAR OTHER PEOPLE ARE ANNOYED BY THEM AND IN THE SAME SITUTAION AS ME.

I lost my job and two days after that I lost my beloved mother in law.  She watched our 2 year old baby now I have to watch her because my wife and I cannot afford daycare. I cannot find a job and we barely have enough money to pay our mortgage and put some food on the table. The crap stimulus does nothing but put bonus money in already rich people. Now I have these a**les calling me nonstop. I will pay these bills as soon as I can find a job that can pay for daycare and bills. It's tough for everyone. I might just change my phone number. That is all.

Call multiple times a day starting 8am until 9pm. Never leave a message, so I don't know who they are and what they want from me. Want to stop the calls, sick of them already!

I got call 8am-9pm.Sent certified letter stating do not call me or my work communiacate thu mail only.They have to sign for the certify letter you get a reciept of that in the mail if they call again then get their name address and tell the you are going to report them to the better business burea if they say they didnt get that letter tell them you have signed reciet the did

I just don't answer the phone. They call constantly, for JC Penney, and I have never used the card. I did speak to someone once and asked them to make the request IN WRITING so that I could reply and copy the card, which says plainly 'use of the card implies a contract' but in fact I have never used the card.

We started getting hit with calls too.  You go to answer the phone and the call gets dropped.  I'm going to write them a nice "cease and desist" letter and putting in the mail tomorrow.  In the mean time, I added the number to my call filter list.  The phone service that I have allows me to add numbers that I do not want to be bothered with.  If the number is on the list, my phone never rings.