Thank you for your information !!

This number calls every day 4-5 times a day and says I owe 4,000 from 11 years ago!!! but didn't send the paperwork to me. really 11 years ago? please. I don't remember oweing anyone that amount of money

I keep getting a call from this number they want me to give them my credit card information or my bank account information and said they can release me from being the cosigner on a debt if I paying this amount of money that is illegal to do you cannot release somebody from being a cosigner you have to rewrite the contract

This lady by the name of Pamela Deker called saying I owe 20,000.  She said she was going after my income. My husband then went on the phone and she transferred the call to another guy called Ryan Nestrick.  He then said the loan could be settled for 13,000.  We asked them to send us the paper work so we could take care of business LOL.

this phone number 408-507-8401 is associated to someone on craiglist advertising carpet remnasnts.

I have had the same caller and I do not know what it is.  Also the same name Jones. I picked and answering service told me to call Micheal Jones back. I have not ideal what this is.

Multiple calls mentioning a personal business matter, than a live person asking for another person who does not live at my address; mentioning a court case in a locale where I have never lived-and being threatening.

These people have been calling my upstairs neighbor with messages for me.  If they really want to reach me, then call me at my phone number.  I don't know who they are or why they are calling.  If they really wanted to reach me, then try sending me a letter.  I checked my caller id and this phone number never apperars on it, unless they are blocking their number.  Stop harrassing my neighbor with calls for me.  I don't know how they got his phone number, I don't even know what it is.

I got this call regarding to my brother in law account. Claimed that he has not paid since June , but I know he pays every week.  Also stated that since I was the spouse of the co-signer, she stated that I wasn't going to comply and that the case would be turned over and my husband would be sued.

First of all, if someone is making an effort to pay their payments, no one is allowed to threaten you to court. It would be different if no payment were being made. Checked out the number, and so glad that I am not the only one with this issue.

So frustrated!!!

Do not call this number.

notified Dorothy Stine not to call my work number

message from "Michael Jones", we do not return calls to unknown names, numbers or calls like this.

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.

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

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/start.html


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

Continues to call my cell phone under "Unknown Name/Number".  Received recording saying that Michael Jones wants to speak with me about important business.

I am getting the same calls.  Was once a day and yesterday started night phone calls/recordings.  I don't know what they want either.  I filed a complaint with the ftc.  If they are a legitimate debt collector, that is supposedly the route to go.

We've been getting repeat calls from a collection agency which called ID says is "unknown" . We got the same "unknown" in a message form from Michael Jones wanting us to call for important business... etc. leaving this number.

We don't have any outstanding debts and I think they know this,  but from the previous threatening and harassing calls we've gotten from them, they seem to feel that because our last name is the same as is on a collection account, we will suffice as their target and they insist we give them personal information, which we won't, of course, and we have no information on the debtor.  They yell, scream [one woman in particular] and try to intimidate.

It is national enterprise systems

I received 21 automated messages that went to voicemail on my cell phone. When I called the number and told the operator I wanted "Michael Jones" to stop calling my cell, she hung up on me.  The company is National Enterprise Systems.  Don't know why they keep calling me, but this is what I found out on the web: http://www.jeffcanhelp.com/library/ripoff-rep ... ion-at-work.cfm

The above-referenced site identifies these people as a collection agency.  Since I don't have any delinquent bills, I just want them to cease and desist!

Recording of Michael Jones calls twice a day claiming to want to discuss a very important business matter and to call the number to resolve it today.  I called and told an operator that I was receiving multiple calls and she told me to hold on.  I was transferred to a voice mail that said no one was available to take my call.

Got a call from Brenda Shapiro showed up as Unknown.  She left me a message stating there was a litigation being filed in my name in Phelps County.  I have never lived in a Phelps County.  Left 800-507-8401 ext. 1087 as her call back contact.  There is no litigation in my name filed at this time.

ext 1223 , 1225 , 1226 , worked only get vm but hey a way to bug them back ... its some collection agncy

left mess so I tried to cll back ----national  enterprise systems  I tried all kinds of 4 digit extentions and none of them worked... these calls need to stop.

Caller disconnected when I picked up.