twice a day.  have to run to phone for NOTHING.  just a computer but sometimes in female and sometimes in male voice, calling themself Pat clark. HOW DO YOU MAKE IT STOP??????

Calls twice a day, once in the morning and once at night. Calls himself Pat Clark.

Got a call every day for The past 2 mts  about a personal business  matter, say is a collection agency , I ask for a # to call . And he gave me the # 1800 234-0228 ext 1754 and talk to JEFF.
I'm very scare because some times they call 2 a day I'm 85 yrs old and don't know what to do to STOP them

Message was "Call Pat Kline reference an important business matter."

I get four calls a day Pat Clark important message.  need this to stop as it show's up as an unavailble #

I do not know Pat Clark nor do I owe anyone anything.

Again failure to identify the employer is a violation of Federal law.  USC Title 15 Chapter 41 Subchapter 5 Section 1692b

Threat of legal action is itself illegal!!

Do not answer or call them back either.They are fraud. Do not give them your bank account number.

I started getting these calls about a week ago, same as others have stated.  We haven't picked up and we haven't called back.  We pay all our credit cards on time and to my knowledge no company is looking for money from us.  How can we find out who is saying owes us money without calling these people???

I can first say this,If you charge it, or buy it..No matter what you are responsible to pay for it. End of story.. But a company should never down grade you in any manner.. Collection Companies call you because you never either responsed to the orginal creditor request,and they send it over to a collection company to help get the funds that are owed to them,the difference,you have a better chance getting lower payments,than what the orginal creditor wants(they want full amount paid at once). They ask you to pay by check or a lower interest rate card to help you out,by this I mean,you  pay it off convenient to you,example on your paydays times 2 or 4 weeks,or maybe a little longer than that if need be. Either way if you answer the phone, be understanding that they are doing their job,just answer the phone tell them whats going on,ie.lost job, you never know how easy it maybe to clear the account,and stop the calls

Calls 2x day and says important matter to discuss, please call back Pat Clark.  When you call, I find they are looking for someone that had our phone number over 7 years ago.  They say they will investigate but then we get calls the next day.  They are rude.  They will hang up if you start asking questions.  They will not identify the name of the company or where to write a letter to request that the calls stop.

I just got off the phone with someone who would NOT identify themselves.  They answered the phone, "How may I help you?"  I asked who they were.  She said, "How may I help you?"  I responded, "How can I help YOU??? and who are you?  She said, "Is this the XXXXXX's?"  Okay, so, she had my last name and the last 4 digits of my SS#.  But it took forever to realize that this "debt" was an old Unicel account that I went round and round with them on in 2000(my son's old account)and I settled with them for about $750.00.  She insisted that I still owe $181.00 on the account, though I haven't heard from them in NINE YEARS.  I told them that I would NOT pay another cent for an account that I paid off nine years ago and she said, "Fine, the company will continue to push forward."  I said to bring it on.

How can this happen??  And how can they continue to find me?  It's scary that my SS# continues to float around from company to company.

What else do they know?  Or have access to???

You have been most helpful. THANK GOODNESS I found your comment. This has helped me more than you can imagine. I've always wanted to go directly to he creditor because I felt it would be easier.
Please keep this knowledge flowing out here. You are a blessing to those of us who do not know.

Do not pick up, do not take a message. DO NOT GIVE THEM BANK ACCOUNT INFORMATION.  See notes here:
http://www.budhibbs.com/debtcollectorpages/nes.htm

Try to pay your debts directly to creditors.  If you do pay through an agency such as this (or must, after contacting your creditor and it is written off by them - i.e. sold to this agency), send money orders or something that you can prove but that do not have your bank account on it.  EITHER WAY, do NOT talk to these people verbally.  

Write them a letter and send it certified, not to contact you at home or at work or any of your relatives and note the FTC Fair Debt Collection Practices act in it.  If they continue to contact you after receiving this, you can report them and file complaints.  Also check with their state's complaining procedure (MI department of Insurance) etc., as they can be fined after so many complaints.  

You are obligated to pay your debts.  I worked for a large collection agency when I was young (these jobs are not for college-educated people, but those who can be mean and not feel bad and it pumps their ego).  In a large commercial collection agency (contacting business that have forfeited), collectors can make large commissions.  Rarely are legitimate agencies nasty though - especially from the get-go, as that produces little results.  The people calling you from places like this are flunkies that cannot get a better job; these jobs require no education, experience or anything.  Unfortunately, their training is either poor or thrown by the wayside because they commit crimes every time they call and most debtors are too afraid to report or go through the pita paperwork of reporting them - or don't know the laws themselves.  Trust me, these people have a worse life than you, but it makes them feel big to put you down - in the collections business world, this is the 'waffle house waitress' of jobs. There are strict laws on collections - particularly regarding misrepresenting oneself or lying as to what they can do (they cannot garnish your wages, only the government can do that for taxes, student loans, etc.), or harassing you or sharing information with a third party without permission.  These, just like subprime lenders, prey on their slight knowledge and your lack thereof of laws and guidelines.  Read up, educate yourself - lots available on the net.

Also, and again, you should pay your debts, but if your original debtor has written this debt off and sold it, it is doubtful that paying it will even help your credit. Call to find out if you can pay the creditor or work out a payment plan directly; if you cannot, ask them if it has been written off or sold.  Pay your most recent debts - the ones still with the creditors.

As for these people, write them a letter and if it is that bad, change your number.  If they call your place of employment or relatives after being told not to, they they are 'bottom feeders' anyway and you should NEVER send money to them - if you have given a bank account number close that account and get a new one.  Report them and file against them.  A lot of hassle, but worth it for you and everyone else.

Good luck.  Its time unscrupulous collectors and these crappy lenders go down to hell where they belong.

They identified themselves as "NEC" and refused to give me their mailing address.  It is definitely a collection agency.

they leave a message and do not tell what they want
I am on a do not call list, very annoying

This is a collection agency. They state that they are the last resort and they are forwarding the file to area court for suit, but would not provide any information via fax, etc...John Eaton x14.

This is a collection agency

I'm taking it to court Im sick of them calling me and thretning me with their phone calls telling me that they are collection agency and that i have to give them my card number so they could put a big amount of money on it...yea RIGHT do we look stupid or what???? who would ever ask you to pay their bill over the phone???? They were very rude and when I confronted them he got very pissed off and screamed at me!!! we need to stop them.  I searced the whole internet for their company abd this is what i found this website with these complains!!!! Yea sometimes its a guy then he goes calls his managment and they scream at you the same way he does even worse...not acceptable in any companies.  And they told me everything that ppl already wrote abpve my comment...WE HAVE TO STOP THEM!!!

This company always call our phone number. It's always bothering and said he is bob. We don't know who he is. This should be report to FTC. How come he always call. Do not answer this call. I think this is scam. I never answer on this call.

I just got the call from these people. It was a man named Pat or Bob don't really remember. I was shocked and just wrote the number down before I hung up. He said he was a debt collector and had an important matter to discuss with me. At the beginning of the recording it said (if This is not Wendy please hang up now) so anyway I called back and no one answers It does give an option to change payment arrangements. (what payment arrangements?). I don't owe anyone money.. not sure whats going on This was the first call I got so we'll see what happens.

I got a message on my voicemail from a "Pat Clark" (female) saying they had and important business matter to discuss with me and to call back at 800-234-0228.  I have gotten 4 calls this week.  I called back for the first time today from a different phone.  The first time they hung up without speaking and when I called right back a man answered saying "Angela?" when I said "no" he hung up.

http://www.budhibbs.com/collectorpages/nes.htm

National Enterprise Systems, Inc.
29125 Solon Rd.
Solon, OH 44139 (Cleveland)

800-260-5834

440-542-1360

800-973-0600
800-261-3509
800-491-0016

800-882-9325

800-261-3182

800-925-6141

Fax: 440-542-1380

&    440-542-1381
 


Web Address: www.nes1.com
Email: erpollak@nes1.com

Head Debt Collectors:
Ernest R. Pollak, CEO
Scott Pollak, President
Christopher M. Pollak, Vice President

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

Bud Says                         Consumer Comments Below



This organization generates a lot of complaints like this typical email:
?I am writing you concerning a company called National Enterprise Systems, Inc. They ended up calling me up at work and harassing me, I specifically asked them not to contact me there. Not even two minutes later they called my workplace again and asked to speak to my manager. I contacted the local authorities as they stated when they called my residence that they were ?Federal Agents" and "I was in big trouble with the law".

I thought that they were not allowed to call your place of employment if you asked them not to. Yesterday they contacted my place of employment once again. I am fed up with being harassed.?

A quick check on Pacer shows 108 lawsuits naming National Enterprise System, Inc. dating to 2002. The majority of complaints we receive are for harassment, contacting family, friends, calling employers, the usual standard violation of slimy collection organizations such as NES.

According to records we found on a search engine, NES Head Debt Collector Ernest R. Pollak and wife Ellen reside in Salon, OH and are easily accessible to consumers wishing to voice their complaints on the apparent illegal treatment he is allowing his debt collectors to practice.


I suggest anyone who thinks they have been treated unjustly or in a disgusting manner violating the law to contact Ernie the debt collector at:


National Enterprise Systems, Inc.
Ernest R. Pollak, President
29125 Solon Rd     Solon, OH 44139-3442
Phone: (440) 542-1360 x166    Toll Free: (800) 973-0600
Fax: (440) 542-1380   E-mail: erpollak@nes1.com

If that fails to resolve your issue, whether it be harassing calls to your employer, family, etc, or his collectors posing as ?federal agents? as described above, we suggest you do the following:



1) Record all calls from NES collectors.
2) Contact us for referral to a local consumer law professional.
3) Contact us for referral to law enforcement for possible charges.
4) If that does not work and the harassment continues, we may pass along the home address for Ernie and Ellen in the hopes they may want to discuss your situation from their home, in the evening.



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.



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

I have also gotten the calls - When I call they WONT tell me where there from or who they are....  They want to know my name & phone number before they tell me anything... I told her, YOUR calling me... You tell me what your business is & she wouldn't ... Kept asking for my name & number & I refused because she couldn't tell me anything about her so she just finally hung up....

Used to be if the calling party did not hang up it did not matter if the called party did or not. The line remained open.

So, I just got another of the "Restricted/Unknown Nam/number" calls, actually from a human this time.  The person on the line was a "Victor", asked for someones name, and avoided my questions when I asked what it was about.  I eventually got him to admit to being with "National Enterprise Systems" and that he couldn't say why he was calling.  Upon hearing this, I told him how after researching the callback number I got on the 5 or so messages I had previously received, I had reason to believe that his company practiced cold-calling and false debt collection.  Response:  "...that's...negatory..."  Asked him to make sure his company no longer called this number, was asked if I had another number for the person they were calling for, and were told that I did not.  Thanked me, and said "have a nice day"
There wasn't any yelling or foul language, just the random calls, and dodging of questions.

unknown number, called home phone and left vague message claiming to be Pat Clark (female voice) telling me to call back at this number about an important business matter.  Robocall setup - give me something to work with.  I NEVER answer unknown numbers or vague messages like this.

I got a message on my Voicemail from a "Pat Clark" saying they had and important business matter to discuss with me and i needed to call them to resolve the issue.  When i called a women answered and asked for my name and number.  When i wouldnt give it to her she turned into a straight (female dog) and was screaming at me.  She really was a sweet heart.

These are scam calls. If it was a true agency, you would be able to talk with a live person at time of call. These new scams will manage to get hold of an unfortunate elderly or mentally  challenged individual, and manage to take their identity. I would like to know how it is possible to get an 800 number and use it for dishonesty. I am on the donot distrube calling list and yet these scamming 800 numbers manage to get hold of pples numbers. And sense they do not know who they are calling it is legal.