calling about someone's debt that does not live in our house, and has never lived there.  He is the type of person who would scare a normal person who would owe money.
He was very mean, and I was mean right back, but when I told him I was going to report him to the police and asked his name, he hung up.

no message, so why would i return a call to an unknown number?

The caller is Niagara Credit Solutions a debt collection agency.

They call me on my cell and from home. Say I owe a debt which i do not owe and threaten me with lawsuits and other things. Call me names, "loser, deadbeat, a**hole, moron, peon, scum" - others. We ask for something in writing but they never comply.

This guy from 716-632-1616 called today looking for my husband about some matter that was transferred to him from our local courthouse. I kept asking him what the matter was finally I told him to L**k me and I hung up. HE CALLED BACK AND SAID, "how can I follow through a proposition like that if you hang up?"   I said, "WHAT? EXCUSE ME?"

sounds like a fat ol lady on the other end trying to tell me about some paperwork that the courts have filed...whatever! get a real job, you are a waste of society and are wasting my precious time

I just had a voicemail from the same damn phone numbers...7166321616 and 7166310615.. Mr Brown.. something about a judgement.. and they wanted to talk to me about it first.. Im sorry, judgements do not call you.. they send you letters!!!

Is this legal?

NIAGARA CREDIT on my caller #ID.

Has called numerous times for the person that had this # before we did! Was very rude as i DECLINED to take personal info on CC owed by my b/f. None of my personal business. What ARE they doing asking/telling about some other adults info?! Isn't that ILLEGAL??

The call started out nice enough, the lady was at first kind and friendly, but quickly became nasty and down right hostile. Kept claiming she was from NCS, not NCO. Not sure if that matters. Threatened to ruin my credit and take me to court, etc. Ok, time to hang up.

forgot to add the phone number... 716-632-1616

Got a call today asking for a kevin, said there's no kevin's here. He said are you sure kevin some last name? I said no nobody works here by that name are you sure you are calling ____ plumbing? He said well he lays pipe so I'd say yeah I'm calling the right place. What low lifes!

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATORS IN THE COUNTRY


NCO Financial Systems, Inc. ( Also goes by the name of
NCO Portfolio Management)
TRANSWORLD?
507 Prudential Rd
Horsham, PA 19044-2308
Phone: (215) 441-3000
Fax: (215) 441-3923
Web Address: www.ncogroup.com
866-287-2543

Check out the CBS4Boston Report on NCO:  Link



   



TEXAS



RESIDENTS
IF YOU'VE RECEIVED A NOTICE

OF ARBITRATION FROM NCO

CONTACT Bud IMMEDIATELY!

817-348-0818



Other Offices:
150 Crosspoint Pkwy
CrossPoint Business Park
Getzville, NY 14068-1602
Phone: (716) 404-2100
Fax: (716) 404-2120
And many more...

--------------------------------------------------------------------------------

Bud Says              Consumer Comments Below

ONE OF AMERICA'S WORST

COLLECTION AGENCIES!

While NCO Financial has earned what seems to be a permanent slot in our exclusive list of America's Worst Collection Agencies, it's really difficult to classify them when held up to others in the industry.

On one hand, NCO aggressively peruses and takes over other collectors in a bid to be the world's largest.

Meanwhile, corporate collection policy seems to sway daily, depending upon the wind.  One call might bring threats to our active duty military personnel and their families, on a level reserved for terrorists.  The next call will be gentlemanly, helpful and not-at-all like the NCO of old.  You never know which one you'll get.

On some occasions, NCO takes the debtor into court, scratching and fighting for pennies and spending thousands to get it.  On others, they fold like a paper tiger at the hint of consumer counter activity.  

Perhaps the giant is learning from the mistakes of the past.  Perhaps the sting of some many fines and penalties caused stockholders to crack the whip.  We do know that two years ago, our email box and phone were overflowing with NCO complaints.  At that time, every other complaint was about NCO.  Now they just trickle in.

What's lacking in this big agency is a resolution department.  If they had a team of 3 people to handle consumer complaints, put out public relations fires and resolve problems - someone with the authority to make decisions - they'd not only disappear from our list of America's worst, they'd do themselves much good.

CAUTION: I recommend you NEVER disclose your bank account or credit card information to a debt collector, as you risk them emptying your account, or maxing out your credit card. If you feel they are reporting on your credit bureau files in error or need assistance in dealing with them, email  the details w/your location.  Assistance and referral to a consumer legal specialist may be available.

Dealing with debt collectors
http://www.budhibbs.com/start.html
Statute of limitations by state ? always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm
Recording calls from debt collectors ? always double check with your own State Government website
http://www.budhibbs.com/record.htm
From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.


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.

this son of a bi*** called me saying i owe him money, listen if this number-716-632-1616 calls anyone tell them to eat s***.

i was called by a women claiming that she was a collection agent trying to collect money on a credit card. this is the first time i have heard from her or this company. my debt is being handle through the local courts and clercks office. she tried to threaten me with a wage garnishment. i have not seen or received any court papers about this or even about a hearing. i may not know enough about the law but i do believe she can't garnish my wages without the courts approval. i have not been summoned to court to face this individual or the company she claims to work for. i'm going to write the judge in charge of my case and ask for a cause hearing before i agree to give them anything.

Unsolicited call looking for Samuel Ramirez! Harassing type call, & guy says I "NEED" to call back. Please. Im not even hispanic and don't know any Ramirezes. Another jerk calling near 8 PM when people don't want to be disturbed. No life. Report the number and company if you are in similar situation. Even if I was Ramirez, I wouldnt call THAT GUY back.

They call me on my cell and from home. Say I owe a debt which i do not owe and threaten me with lawsuits and other things. Call me names, "loser, deadbeat, a***ole, moron, peon, scum" - others. We ask for something in writing but they never comply.

I keep getting harassing phone calls from 1-716-632-1616 on my cell phone.  They say it's about a civil lawsuit. I tell them I know nothing about it to stop calling my cell. They told that they will contact my employee and contact the IRS.???

NCO-Someone by the name of Jasmine keeps calling from this and other NCO numbers.  I find it odd that they cannot verify any information and keep threatening me with a lawsuit if I fail to pay a debt that I know not to be real.  I always pay my debts.  The other numbers the same person calls from are 716-636-1588   716-631-0615  716-681-6816   000-000-0000 716-631-0631...As if I would be geting a call from anyone else with this area code...Like I am going to answer these FISHY calls.