In California the statute of limitations is 4 years...but if you pay one penny after you stopped paying your CC....the whole time resets itself again. I have two years to go.....then I wont owe a dime....anything over the legal amount...like for small court, they can get a judgement...10 years. So read your laws....They wont go to small claims court...they loose almost 100% of the time.....anyways most debt cant be settled there...bye bye now

Don't give them your information. It's a scam.

They continue to call without leaving a message. I'm not sure who they are, however they are annoying.

left messages saying call me T-O-D-A-Y
and refernce attempt to collect a debt

Receiving calls from this number, but they won't leave a message.

voice mail saying this is an attempt to collect a debt.  call matthew kierney back t-ooo-d-aaa-y. thank  you.  mentions it is NCO

I receive this call everyday asking to call tht number ttooooodaaayyy

I got a call yesterday and they left a very distorted message for Victorio Canibus to call them back @ some number. As soon as the female caller started saying the number, the call got very clear. Since that's not my name, I didn't call back.

They called me this morning, I picked up & a recording said that this call was for Victorio Canibus: press 1 if you are him, press 2 if you are him but don't want to talk, press 3 if you want to scratch yourself, press 4 if you are NOT him. I pressed 4 & the recording told me that I needed to stay on the line til an operator answered so we could update their records. Immediately, the recording comes back to tell you that no one is available and if you could call them back. They can blow me! This sounds like the reverse of the Do not call list laws that state if you call them, they are not breaking any laws.

I have experience with collectors in court and have a 100% win rate with the outcome of the collectors paying court costs. In my case, the Attorney that bought my file made his "phone room agent"pay out of his pocket.

F*** all of you that work or have worked for a bunch of low-life attorneys that call it a business to harass people Your better off selling snake oil or used cars or heroin to children. Get a real job if you can. (this is to used2be) that have no f****n clue how or what one does to get "collected"

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NCO is the Number One Offender. Do this: Get a tape recorder or digital recording device and do record all conversations if you choose to talk to them. Always inform the agent that they are being recorded.
Better yet, Dont talk to any of them!

Send collectors a "do not call or contact" letter
Call your states Attorney Generals Office of Consumer Affairs, The BBB in the area that the collector resides and make formal complaints
And in some state, the statute of limitations is only a short period, Try to wait it out. Always check the dates. Usually the collectors get aggressive close to the statute of limitations date. I had a cases dismissed because the collectors made attempts after the statute of limitations ran out.
They will wait till the last minute, Wait them out on their dime.
http://www.fair-debt-collection.com/searches/stop-collection-calls.html

I have experience with collectors in court and have a 100% win rate with the outcome of the collectors paying court costs. In my case, the Attorney that bought my file made his "phone room agent"pay out of his pocket.

F*** all of you that work or have worked for a bunch of low-life attorneys that call it a business to harass people Your better off selling snake oil or used cars or heroin to children. Get a real job if you can. (this is to used2be) that have no f****n clue how or what one does to get "collected"

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NCO is the Number One Offender. Do this: Get a tape recorder or digital recording device and do record all conversations if you choose to talk to them. Always inform the agent that they are being recorded.
Better yet, Dont talk to any of them!

Send collectors a "do not call or contact" letter
Call your states Attorney Generals Office of Consumer Affairs, The BBB in the area that the collector resides and make formal complaints
And in some state, the statute of limitations is only a short period, Try to wait it out. Always check the dates. Usually the collectors get aggressive close to the statute of limitations date. I had a cases dismissed because the collectors made attempts after the statute of limitations ran out.
They will wait till the last minute, Wait them out on their dime.

F*** YOU

One lump sum?

Of course one lump some doesn't benefit your company we can negotiate a settlement that lowers the debt. See for those reading the poster above who works for NCO Financial recommended making payments which is stupid because you will pay and suffer more. A lump sum which is what they are criticizing actually allows you to control the debt by saying i am only going to pay half or less. Debt collectors hate lump sums because they are obligated to make a return on their investment (your debt) plus they owe money too and have to pay their bills. For them money now is better than money later, a settlement almost always has to be accepted especially when banks are hurting. They want you to call and pay little payments until the whole thing is covered, but if you just ignore them for a year you can turn around and say "look I'll pay you half that's all I got" and they almost always accept it because they need money now thats why their calling. They buy the debt for usually .10/1$ so its fair to pay a lump sum and get your cut of the pie because they got a deal off your money. If the poster above had their way they would eat the whole pie and let your children starve.

Have a Nice Day!

What makes all these people who complain about us calling them every day funny, is the fact that we call them within legal limits. They just feel that calling them every day is harassment when in fact it's perfectly legal as stated by Federal Law.

Now, there are times when we do have the wrong number, but since nobody ever picks up the phone or even gives a call back to see what it's about...they continue to get messages over and over.

I understand that not everybody is able to pay their debts. That's half the reason why I don't bother calling the elderly as they are on SSI. Why call somebody and waste my time and theirs? But it's the people who have a $200,000+ house with multiple available credit cards (and yes, we have your credit report so we know everything you have and have ever had) to pay these things yet let their balance run up just because they don't want to.

Regardless, you're going to end up paying it one way or another. Whether you like it or not. It's best to just call us and see what kind of deal you can work out rather than being responsible for the balance in one lump sum.

Totally  agree with you. We just lost our home and we dont have massive debts but heck the calls keep coming. Dont they have a clue that many of us would love to pay our debts. But if you have to make a choice of feeding the kids or the credit card...hmmmm I choose the Kids. hell the banks are getting bailed out left and right...they can wait until people can get on their feets again. the calls just makes it more painful. Wish they would stop for 6-12 months till the rest of us can figure it out. Not all people used their credit cards for bilings...they used it for the lights and food.
Hope the best for you. And bless your family.

I'm referring to message dated above "used2be - 16 Oct 2007" ... Listen you j***-off!  When you say, "9 times out of 10....its your fault it got there.....", well you should pull your head out of your a** and flick that chip off your shoulder before you judge everyone.  Just because you get to abuse people it doesn't mean you're any better than us.  Some of us were paying our bills.  I had paid off 1/2 my debt which wasn't very big like most.  Then both my husband and I got laid off from work.  We've lost half the income.  We got $%^&*(!!!!!  We didn't get here because we chose to be here.  I don't think my husband and I decided one day to, "Oh lets not pay our bills and wait for NCO to FREAKIN HARRASS US!"  We can barely make rent and have 2 kids to feed.  One of them has a dead-beat Dad that doesn't pay jack!  Life sucks, but one day we will recover and get back on track with cleaning up our debts.  In the meantime I wish upon all you employees of NCO to suffer the same thing we do and see what it's like to be unable to pay your rent on time.  If not this year, maybe the next.  I hope you too one day also experience calling your utility comp every morning @ 6am to see if you're on their list for disconection.  I don't wish this out of bitterness but just so you experience what some of us decent human beings are suffering through.

Message to you decent people out there, hang in there and the job market will soon pick up again.  God bless you all!  YES, God bless you people at NCO too.

Someone from this number called my cell; my voice mail is full, so they text messaged their #.  I called back and a man said hello, so I hung up.  I'm sure this is a debt collector who has been harrassing me and making threats that are against the law (ie. garnishing my wages when that is illegal).

You all should understand that people should not be giving information out over the phone to someone they don't now. That';s how people get their identities stolen. So why ask and then get mad when someone doesn't want to give you information? Also, just try to accept that there are some people -- usually the responsible ones who actually call you back -- who have come to you through an error or someone stealing their identity.

I have seen the number on my caller ID before, but tonight answered and got a recorded message. It said to call back the number (with the reference number provided) because I owed money and was in collections. I actually called back -- because I have received mail addressed to someone else that has me concerned that someone may have used my name, etc. to get a license in another state. Anyway, a man answered the phone by saying "hello." That shoudl have been my first clue that soemthign wasn't right. But I explained why I called, and he asked if the number that came up on his phone (he repeated my number back to me) was the number that the recorded message came to. I said yes. He then supposedly looked up this number in "the computer" and asked if I was so-and-so. I said yes. Then I asked him who he was and what I supposedly owed. He said he would explain in a minute, then asked if the last four digits of my social security number were 1007 (they are not!). At this point I became aggravated and asked him why he was calling me. He got beligerent and said I sholdn't be upset, if I paid my debts he wouldn't be calling, and then told me I better be careful because this was on a federally recorded line. I laughed and told him I had perfect credit and wasn't concerned if the call was recorded because I had every right to ask questions. He then got nasty and told me that he was putting me on hold so I could "think about it." That was confusing; not sure what I was supposed to think about. So I hung up. I plan on calling the Illinois Attorney General's Offic tomorrow and filing a report (not sure if that's the right place, but will start there).

NCO

this num is for a department of nco fin., which is a collection office, i work here, you can reach a 50-50 split of nice people or hard to handle people there, if you call, talk to mr.andrews, he is polite. mind though, it is collections, and even he could be having a bad day at work like anyone in the world. just dont get bent out of shape and remember, we call because we have to and because in the long run, 9 times out of 10....its your fault it got there.....

Rec'd a voice message when I got home tonight to call Dan Lockhart at this number. They also left a reference number. I have no idea what this is about... and have no intention of returning the call!