This # is from NCO Portfolio Management. The thugs there are debt collectors of truly the scum of the earth. Not because they are trying to collect a debt, we all understand that people have this job, but it is because of the manner in which they collect a debt. If you get a call from this company, and you don't sell your soul to them right then and there, they will insult you and be very unprofessional, harassing, non-negotiable and illegal. I am being honest with you. You almost want them to harass you more, so that you can report them. Even if you have money to give them, you won't, simply because of the way they practice their collection attempts. Lots of people i notice here on the web have reported them to the appropriate agencies for unfair practices and false reporting.

The people from this company called my mother, looking for my adult son.  (i.e. his Grandmother).  My son has never lived with her and the last names aren't even the same.  Who are these people?  How could they possibly find my son's 'grandmother?  How could they dig into someone's genealogy to find a family connection?  Pretty scary!!

They call me, his name is Kevin, he told me I work in American Express, but NO, he works in NCO

This company called saying it was urgent regarding my brother, and using his name. I know for a fact it was a debt collector. This kind of low unprofessional and dishonest tactic of digging into my personal life and pulling up names is unacceptable. They need to be reported for their harassing and illegal tactics.

quit crying you all know what the calls about.... call the number back back and get your checkbook.

Hay debt collector, you are such an a**. We'll pray that one day you will lose your kob that you are proud off hurrasing others and have no income just becasue your compnay wants to close and then, hope you get the same f****ng hurrasment from other to get a bit of a feeling. If any of us here was paying his/her bills ontime for several years and stuck becasue lost a job, does not mean you have to be such an a** about it. What an a**

Oh what a dick you are. Gutlees to no doubt?

8888990468.  some guy named mr. stokes was asking about my mortgage.  he said he was investigating a company that was engaged in illegal mortgage marketting and that I could help. he asked me questions about my mortgage but I didn't feel like I should say much to him.  he said he wasn't collecting bills and I have no credit card debt.

collector - works for this FDCPA VIOLATOR

Collector knows that legally they cannot collect the JUNK DEBT they paid pennies for -

Collector is incapable of getting a real job!  Does not any skills, to get a real job, most likely a high school dropout/drug user.

Just the kind of people NCO HIRES

Details 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.

DID YOU CALL AMEX?   they are the ones who have to stop it and if they refuse to do so file complaints with the
Federal Trade Commission www.ftc.gov AND
Office of Thrift Supervision www.ots.gov

OTS WILL MAKE AMEX FIX THE COLLECTIONS ISSUE


Details 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.

COLLECTION AGENCIES DO NOT WANT YOU TO KNOW THIS INFORMATION!
FROM www.budhibbs.com  A CONSUMER ADVOCATE WEBSITE that specializes in Debt Collections and offers assistance to consumers.  THEY ALSO EXPOSE THE WORST FDCPA VIOLATOR IN THE COUNTRY
Dealing with debt collectors
http://www.budhibbs.com/start.html
Statute of limitations by state ? always double check directly with your own State Government Website
http://www.budhibbs.com/statute_of_limitations.htm
Recording calls from debt collectors ? always double check with your own State Government website
http://www.budhibbs.com/record.htm
From FEDERAL TRADE COMMISSION WEBSITE
http://www.ftc.gov/bcp/edu/pubs/consumer/credit/cre18.shtm

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.


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.

This is NCO.

They are calling me about my AMEX Card.

They just leave a phone number and ref. #

They are calling me about an acct. with AMEX that has been paid. I took the offer AMEX gave me and paid the acct In May 2009.

I called NCO and told them this acct has been settled. I faxed them all copies of my paperwork. By the way the first "Person" I spoke to at NCO with was rude and refused to give me a mailing address or fax number.

I called the first collection agency that handled the settlement and she said she was not allowed to call this new agency, put call them back and tell them they must give me a address and fax number.

I have since received a letter from a 3rd collection agency regarding this same acct.

What do you think I got today, another call from NCO.

Collector sounds pretty useless.  Just one of those losers that can only get a job working Sunday morning bugging people who actually have lives.  This company, probably the one the afore mentioned jerk works for, is another bottom feeder of the collection world buying old debt and trying to collect on it. I'm sure most of you know this but each state has a different statute of limitations (Collector, you might want to look up some of these big words) and most of these companies try to use scare tactics such as threatening you with jail and other ridiculous claims to get you to pay.  They bank on you panicking when they call but don't panic, ignore them and people like "collector" won't get their five dollar bonus.  Old debt cannot be collected on.

THESE BILL COLLECTORS DON'T CARE ABOUT BEING RUDE OR NOT. THEY ARE MERELY A 3RD, MAYBE 4TH OR EVEN A 5TH PARTY WHO IS SIMPLY DOING THE DIRTY WORK FOR OTHERS. WHICH IS OBVIOUSLY TO IRRITATE THE **** OUT OF PEOPLE. LIKE TELEMARKETERS WHO HAVE NOTHING BETTER TO DO THAN RUN DOWN A LIST OF NAMES & #'S (PROBABLY MOST OF WHICH ARE INCORRECT!!!!!) & MAKE THE SAME PHONE CALLS DAY IN & DAY OUT.. 24/7....

SOOO ANNOOYYYINNNGGG!!!!

Collector... Make me pay.  Be an adult about it and come knock on my door, and make me pay

maybe that is why the country is in the trouble it is in- because of people like this poster above - expecting people like us(who work hard and pay our bills)to pay for their irresponsible lifestyles.. buying things you cant afford... going places you cant afford... and letting the rest of us pay for it because you cant... Stop living like a rock star and live within your means-------------didnt your parents raise you better??? or did they think that the world owes them something too??? you irresponsible pos's will be the death of this country.

hey bill collector, what's o "obvious" about it. you're a real dick, you know that? sometimes bad things happen to good people. your "just shut up and pay bills" attitude is obnoxious and demeaning. hope you're never on the other end of a collection call.

on second thought; yeah, i do!

Please be advised there is no Pat Zephro and the CC Riders, unless you have a Time Machine and can go back to 1978, the year he was in that mans band. I know this because I am Pat Zephro's ex wife.

WOW IM IMPRESSED THE CALLERS FROM THE LISTED NUMBER CALLS AT ALL TIMES OF DAY. 1 TIME A DAY MY CALLER ID LIST THE NUMBER. ONE DAY I MIGHT EVEN ANSWER IT. I REVIEWED THE MAIL THEY SENT ITS ALL WRONG THE NAME, THE ACCOUNT THAT I NEVER HAD, EVEN THE SEX OF THE PERSON THEY ARE LOOKING 4.

TIP OF THE DAY SET YOUR VOICEMAIL TO TAKE MESSAGES AT 8-10 RINGS.
DONT LEAVE YOUR NAME ON THE ANSWERING MACHINE.

DONT BOTHER TALKING TO THE PHONE HACK THEY WANT THEIR CUT OF THE CASH.
THEY LOVE TALKING ABOUT HOW "YOU R GOING TO JAIL FOR DEBT" THOSE LAW WERE ABOLISHED YEARS AGO.

I RARELY USE MY LAND LINE BUT THE CREDITORS BELIEVE I AM SOMEONE ELSE.
I EVEN RECEIVED MAIL FROM THE CREDITOR BUT GUESS WHAT THE 1ST NAME IS OFF.
THE CREDITOR IS USING THE GOOD OLD FASHION PHONE BOOK, THEY DONT HAVE A BIRTH DAY A SOCIAL OR ANY OTHER RELEVANT INFO. SO IT BRINGS ME GREAT JOY TO WAIST 4 MINUTE OF THEIR TIME ON A ANSWERING MACHINE THAT PICKS UP AFTER THE 8TH RING. IM ON THE DO NOT CALL LIST ALOT OF GOOD THAT DOES ME THE ONLY PEOPL THAT CALL NOW ARE FROM 800 NUMBERS!!!

yeeeaaaah, and the fact you don't pay your bills has nothing to do with it right?????

you probably called in with an attitude and refused to pay your bill. We are not rude but very good at our jobs, if you were as good at yours we wouldn't be calling you!!

you obviously owe a bill, call them and be an adult about it!

I think the Zman $ call me before too and he said something about working for the dept of defense as a previous job after the left the cc riders - it was a very odd call.

Accidentally gave out last 4 digits of SSN. Does anyone know what I should do?

Just saw name on the net....performed in Florida back to back with Buddy Rich Big Band and then in Daytona Beach Florida to a crowd of at least 3000 at an OMNI.....never saw people go wild like that..progressive jazz rock guitarist and writer to the max.....big band too!!..6 brass included..I know a tour a the USA was going for some time..

Does anayone know where i can get tickets to the next Pat Zephro and the CC Riders Concert, i believe they are going to be playing at the NOCO on the 28th...

I'm deaf and I'm using mobile which don't have phone plan. It's very annoyed to get phone call even through I'm not hearing person. No clues of who this person is and she/he better stop naggin' on any person.

this guy pat keeps calling me talking about his daughter the attorney he needs to stop

Caller said his name but couldn't understand him. Didn't say what it was regarding. I tried to look up the number on the internet to find out what his company does but found no record. All I could make out for sure was that he said he was from NCO. No idea what they do.

A woman named Dawn called me, extremely rude and threatening. Stated that if I didnt pay my debt within three days she was taking it to court. i told her I'd pay it at the end of September and she said no I had one day to call her with a check number.

She was rude and unprofessional-enough that I suspected she was a fraud or scam, because she tried to get me to tell her my social.