This is a debt collector who has bought your debt. If you pay even one penny of it the time for the debt to be collected starts over.That's why they are so desperate to get you to pay. Do not let these people harass you. You are protected by the FDCPA. Record all conversations and file complaints if they cross the line into harassment(calling repeatedly, threatening you, cursing, calling after 9pm before 9am, etc.).

NOT ALL DEBT COLLECTORS ARE RUDE.....THEY ARE  DOING THEIR JOB UNDER A LOT OF PRESSUER FROM THEIR MANAGERS.....STILL THEY WANT TO HELP YOU OUT TO CLEAR YOUR DEBT ("BAD MARK ON CREDIT REPORT").......THEY UNDERSTAND YOUR SITUATION AND OFFER YOU SUITABLE OFFERS(PAYMENT ARRANGEMENTS/SETTELMENT etc)....STILL 95% DEBTORS DON'T WAN'T TO CO-OPERATE WITH THEM......IF YOU DON'T WISH TO RECEIVE CALLS FROM DEBT COLLECTORS THEN MAKE YOUR PAYMENT ON TIME OR ELSE DON'T USE ANY CREDIT CARD............AND STILL SOMEONE DOES'NT  WANT TO DEAL WITH THEM THEN GIVE THIS GOLDEN OPPORTUNITY TO IRRITATE YOU EVERY MOMENT TO YOUR OWN PEOPLE
AND THEY ARE AMERICAN EXPRESS(I'M SURE AMERICAN EXPRESS WON'T LEAVE YOU JUST LIKE THIS)..
GOOD LUCK...........

These people are quite rude.  They call me repeatedly, even when I've asked them not to. They don't tell you who they are until they'e tried to confirm all my information and you have to ask.  They tried to get me to make a payment over the phone, but I told them repeatedly that I would not and since they didn't listen to me I hung up on them.  I told them I would make a payment on the 13th and they called me that day to ask why they hadn't received it yet. They then called me a week later and I told them that I hadn't realized I was out of checks so I had ordered more and would send in a check as soon as I got them.  She would not listen to me for anything and so I again hung up on her and she called me EIGHT times. She told me I was no longer a customer, that I was a defaulter and would not let me to speak to a manager or anything. Then she called me back and hung up on me. I tried to be nice at first, but Sheetell would not let up.  She was extremely rude. I tried to be nice, but she didn't care. I'm over them.

NCI is an aggressive collections agency who does not adhere to the laws and regs that govern them. They will harass everyone who knows you including your deceased relatives and their kin...your employer and so on. Record their calls if you are going to talk to them. If you owe money you are advised to deal in writing with the person/business you owe the money to. If they want to send you to the collection agency, then they are required to provide you with a US address in order to deal via certified mail....don't give out any information about yourself over the phone ever......particulary to folks who are not in this country....these "calling centers" are NOT in the US

their is a caller name vijay pls ask him to stop
playing 20 20 with me i am sick and tired of his
voice mail saying golden offer setelment and call me at extn
5128 and he says all crap bla bla

this msg is for james lippincott, u tell me tht u cnt understand me & ur telling me 2 spk in english.. i no u understand me clearly, coz i hav tht much confidence in me.. if u hav sum dare thn talk 2 me & clear ur debt..... plz dont get scared like an idiot....

i am dealing with one collector nci he is really helpful n kind he understands my prob he helped me in such a manner now i am paying my bal in parts n able to manage my other expenses god bless them

THESE GUYS ARE DOING FANTASTIC JOB OF COLLECTING MONEY FOR YOU PEOPLE

Hey! The people who work at NCI are really nice just doing there jobs.

Signed
Mom

Really wat a crock of crap.

These people are trying to collect a written off debt

Bottom Feeders they dont know the State laws on dept for sure. I live in SC when its over 3 years on unsecured they can not collect. Never admit you owe any money to anyone on a phone if they call you. I never signed a contract with NCI or any other dept collector so I dont have to do business with them... If the CC company wants one legally they should be the only that can call you.

So I just have fun with them now.. I lie to them I ask them personal information I try to have small talk so they have stopped calling me... .But never admit you owe money that restarts the clock..

Americans don't talk or write like this.  This sounds more like the opening paragraph of one of those phishing emails where "Mrs. so and so" is recently widowed and diagnosed with 40 different kinds of cancer herself.

If you're going to pass yourself off as Americans in debt who had to work with NCI, at least read other forum posts from Americans and copy and paste their phrases so it halfway sounds American.

y do you call me.

All the people "helped"?...Clearly they are shills, and likely employees of the collections firm. The won't fix squat! Read their messages carefully, they even write in broken English.  What a crock. They want money and won't leave you alone until they get it. Lately I have saved to pay a full or negotiated reduced balance in one lump sum, but I mail it to the original credit card company, not to the collection agencies. When I tell the people that call on the phone I've done this they go ape-sh#*t, then I take the liberty of hanging up on THEM.

The credit card companies cash my checks, and I never hear another word. Oh, if you are paying off a debt, and the money is going to a place that is established and IN the U.S., add a weird amount like $3.64 or $2.58 above what's due to the check or money order. The company has to go to the time and expense of issuing a refund check. In the meantime, call the creditor non-stop to inquire about their debt and ask when you may expect payment. Be sure to impose interest and penalty on the unpaid amount. Threaten legal action or use whatever tactics their collection agency used. Foreign accent optional.....but FUN!!!!

This company has driven me nuts for close to a year now. Some douche-nozzle deadbeat scumbag gave them my business number and no amount a explanation has gotten them to stop. Blocked many of their numbers, but they keep using new ones. Usually after I give details about myself they realize they have the wrong person and this slows the frequency of the calls to once every couple days....and then a few weeks later they start calling multiple times a day again. Finally filed a complaint with my state AG and our state consumer protection agency so hopefully that gets me somewhere.

Don't listen to Andy Walker, they are not cooperative, and it's only one (I recognize the voice and name) barely understandable person that calls constantly. What I'd give for 5 minutes alone with the scum that used my number or habib on the phone.

NCI IS AWARE OF ALL THE LAWS(FDCPA).....AND THEY GET SUED IF AT ALL THEY MAKE ANY MISTAKE.......AND FEW PEOPLE ARE SO GREEDY THAT THEY OWE A DEBT OF JUST $2000-$5000....BUT THEY SUE THESE AGENCIES FOR 10TIMES MORE MONEY WHAT THEY OWE....SHAME ON SUCH PEOPOLE..........BUT NOT EVERY ONE IS LIKE THIS........I FEEL AMERICANS ARE THE BEST PEOPLE IN THE WORLD....BEACAUSE I LIKE "U.S" AND AMERICANS.    DEBTORS(PEOPLE WHO R NOT WILLING TO PAY EVENTHOUGH THEY HAVE MONEY)....DON'T RUIN YOUR COUNTRY'S NAME........

THERE IS APERSON NAME BY YASIN...
I HAVE ALREADY GIVEN A BAD CHEQUE...BCOZ HE IS AN INSULT TO ENGLISH...
I THINK HE CANT PRONOUNCE 'S'....
HE SAYS 'SHETTLMNT'
WHAT A F***...LOLZ

ther is a caller from india lokesh and this is JOEL FRAZIER
ask him to stop discussing my debt with my assistant
and i am enrolled with an dca and he has all the details

thier is a cller name satender who is offering settelment on my vm ask him to stop
other wise ill forward a complaint

i get calls frm mukesh whos is not following fdcpa

some guy called me with a heavy accent nd broken english....stuipd,fellow name RAVI who use to call me nd pornouce my name as MOORE..u morone its MORE not MOORE....

I got calls frm india frm mr.singh(ext-5656) when ever he use talk to me i feel he might having some thing his mouth ..he was not clear & fast...

I AM A DEBT COLLECTOR WITH NATIONWIDE CREDIT......WE EVER TRY TO GIVE RESOLUTION ON THE CARD MEMBERS A/C.. BUT THE THING IS THEY NEVER SAY HELP US WE ARE IN A SITUATION WE CANT PAY.... SO WE GUYS WORK A SOLUTION FOR THEM

I'm sick of these people calling past 9 pm and before 9 am. I'm not who they r looking for most of the time. I have one small outstanding debt for a belk card. I charged 200.00 on it now the bill is racked up over 400 bucks. They use bs tactics. they ask for people who don't exist here or my personal info if i'm around to answer the phone. If I don't say my ss # etc they hang up. I don't know them from Adam. If they wannt people to cooperate they need to specify who they are and on behalf of who they call for. I don't just give my info to strangers. They even went as far as trying to convince me that I called them first to resolve a debt they won't disclose to me unless I give my personal info.This economy is so bad wo do they actually think can pay right now? Pushing and harassing isn't going to makke people ave the money any sooner.

i think the above person is right let's do the samewith those filthy indian pu ss ie s

What a bunch of scheming sh its!  All these posts claiming to be from customers who've had their debts resolved oh-so-pleasantly by oh-so-polite phone reps -- like the post from a "Kelly McCallister" on 2/4/09 -- um, your data-entry short-hand is showing, stupid!

NCI is scum of the earth.  IF they don't get you to sign a NEW contract agreeing to pay the debt...THEY CAN'T FORCE YOU TO PAY PERIOD!  If you don't want them calling you, simply send them a letter stating that, and send it certified, return receipt.  If they continue to call, you can file a complaint with the FTC and they WILL be fined very heavily.  It is against the law to call you if you tell them you do not want them to call.  It is called Fair Debt Collection Practices Act and is the LAW. If they were legitimate and honest, they wouldn't block their caller ID and use other ID's to make you think it is someone else.  Know how to handle them and they will leave you alone!

I just spoke to a guy name Ryan and he reffered me to his supervisor. Supervisor was rude and didn't want to give me the time of day. Itold him that I was willing to make payment arrangements with them
and he asked me how much. I gave him my amount I can afford he adv me to low. He ask me if I can pay a one time payment of $4000.00 today and I told him  no. He says to not pay my mortgage so I can pay him all the money. He started getting cocky and told me that $4000.00 is a one time offer and need to call him tommorow to pay it. Then he hung up on me.

Calls SEVERAL times a day...always someone NOT from the US.  When I explain that they have the wrong number, they disconnect me, which is soooo rude!!!!!

i had a debt wit NCI....