Got a call at my parent house which i havent lived there for 2yrs over an at&t acct thats at my new place, they never called me but call my parents house instead have no idea how they got that number because i never gave out to them. They obviously had my cell phone but rather called my parent dont understand how this works why would they call i never gave them when they have my own number on file

Received 7 call from them I did answer as I only pickup when I know who is calling.
Look up states they are NCO   bad people

What or who is calling from this number?  I don't answer toll-free or "Unavalable" or "private" numbers.

who are they?

are these guys bill collectors and is really legal to leave calls at my moms, my house and so on?

NCO Financial --- A terrible collection agency! They call constantly!

In your message you put
"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."

Well, I have a NEW one for you to add. They sent me an email claiming to be a company looking to hire truck drivers, and wanted me to fill out their application. Good thing I did a Google search on the phone number first.

Got a computer message from this number . Telling me to call and talk to a Mrs oggle? I know for a fact I have no debt owed?

NCO IS KNOWN AS ONE OF AMERICA'S WORST DEBT COLLECTORS due to their refusal to follow State and Federal FDCPA laws.  THEY ARE SUED REGULARLY by both those they have contacted and the GOVERNMENT
http://www.budhibbs.com/collectorpages/nco_financial_systems.htm
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.

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

Received a call from my mom this morning that someone called asking for me, well not me but a version of my name (which I've never, ever gone by, let alone use with any financial institution or acct.).
They told my mom their name NCO/NCL? Financial wouldn't mean anything to me. (It didn't.) She said she'd pass on the info and the guy said "Awesome." Very professional, although I assume they do this not to scare someone into not calling!
I returned the call in case it was legit, even though it didn't sound like it.
When I told them the first name was one I'd never used, and the last name was not a name I'd used in over 13 years, and the phone number was at a residence I'd not lived at in over 20 years; he asked for the last 4 digits of the SS. I wouldn't tell him but asked what they were on the acct. NOT MINE.
I asked how they'd gotten that number, he said it was a "very educated search". I told him obviously not since that wasn't my acct.
Even the address on acct wasn't mine (at any time).
I did get him to confirm that this was a collection agency.
Also asked him to take that number off because it had no association with that person.
He told me my name was common. It's actually NOT. Also, not for the town of about 30,000 people in which I live.
Still slightly pissed about this.

Had tried calling Verizon Wireless to deal with a debt, they were very unresonable and played hardball. This, NCO Financial, was the last place I recieved something from. Originally spoke to a woman, she handed me over to someone who answered with "Hello?", so professional! First had the wrong account, then would not give me info I asked about, just asked how much do I owe and where do I send it to, simple you would think. Turned into a tug-of-war to get anything thing from this guy. So rude, hung up on them!!!!!!!

According to first poster this is NCO Financial. They are a collection agency with a really bad reputation. Unfortunately the do-not-call lists cannot stop collectors from calling. But you can! See budhibbs.com for a free letter to make them go away! If they dont you need to sue them!!

THESE PEOPLE keep calling. dont know who they are told them i was going to report them to the attornet generals office.i am on the federal and state of mo. no call list,

Okay a woman named Sylvia called and left a message her number was (620)0000000.  She left a message to call her at (877)860-8153 she didnt leave details.  I called and a man named Bruce Watson answered, saying the name NCO Financial(whoever they are).  He called back with this number (620)263-1141.  He didnt leave a message.  I am sure I am on the no call list.