If this is a legitimate company, why don't they leave voice messages or even speak when then call is answered? That is how the telephone system is intended to be used; as a two-way conversation.
When they called me I answered because I have no outstanding debt to worry about, but the man on the other end of the line told me that I owed "like ten grand" to someone who's very dangerous and that if I didn't cough up the money that he was going to rape my butt until the room stinks. someone needs to call the law on these psyho turds.
Why are YOU so defensive and angry
This is NCO a debt collection agency calling about my son's student loan that is 41 days past due.
They call but don't speak. Harassment
Its not harrassment. If you paid your loans back then they wouldn't be calling. YOU borrowed money and have failed to keep up your end of the bargain.
Tell your so to grow up and fix his problems. Hes late making a payment.. duh their gonna call.
BUT IF THEY DON'T TALK WHEN THEY CALL YOU, IT IS CONSIDERED HARASSMENT! Why bother calling if you are not gonna talk. EVERY TIME THEY CALL, they either just hang up or don't even wait for you to answer and they hang up! WTF? What is the point?
Several numbers contacted on a sunday.
NCO Debt Collection, I was behind on my payments after losing my job. As of last week I current with AES on my loans. However NCO continues to call 5-6 times per day, most times I am not able to answer and they do not leave a message. They contacted my co-signer and asked for payment and when he asked which loan the payment was for the lady said to nevermind because a payment was made last week and was up to date. They still continued to call me until today when I answered and told them to check their system, that a payment was made. The lady still asked for a payment and I informed her that I would not make a payment to her if I was current with AES. I asked her to please stop calling me and my co-signer and she stated that she would make a note on the account, which was the same thing the other person told my co-signer. She also asked me to verify my birthdate and SS#, I gave her my birthdate but refused to give her my SS# over the phone, which pissed me off. She then attempted to tell me that she never asked for my SS#. I am reporting them to the States Attorney General's Office today. I have a list of dates and times they have called, even after the loan was current.
Michael J. Barrist, CEO Joshua Ginden, Esq., Steve Leckerman, Steven Winokur
America's largest debt collector, junk debt collector, bottom feeder.
Debt validation a major problem.
Credit reports should be closely watched for errors.
They have deep pockets to pay off on lawsuits.
Fined $1.5 million in 2004 for placing bogus credit bureau information.
Aliases Other Locations
NCO Financial Systems, Inc. NCO Group, Inc.
Call centers in Mumbai, India. Terrible english, easily confused. Will not talk if you state you are recording.
THE CORRECT WAY TO HANDLE COLLECTION CALLS AND ILLEGAL TACTICS
HANDLE IT CORRECTLY AND THEY WILL END UP PAYING YOU
READ DEALING WITH DEBT COLLECTORS, RECORDING CALLS AND STATUTE OF LIMITATIONS BY STATE
You can also post your questions here http://www.collectorsexposed.com/forum/ NEW URL!
These links are to attorneys for those being scammed www.naca.net or http://www.consumerjustice.com/consumer/searchattorneys.aspx
Debt Collectors DO NOT WANT YOU TO KNOW THIS INFORMATION!
The INFORMED CONSUMER IS THE DEBT COLLECTORS WORST ENEMY!
Dealing with Debt Collectors
Statute of Limitations by State ? always double check YOUR OWN STATE Government Website
Recording calls from Debt Collectors - always double check YOUR OWN STATE Government Website
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
Civil Service and Federal Retirement and Disability Benefits
Service Members? Pay
Military Annuities and Survivors? Benefits
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
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
Under the fair debt collections act, if you answer the phone and tell speak to them, even for just a minute, after 3 successful contacts with you, they are required to stop calling you for 7 days.
NCO enjoys hounding people at all hours of the day. If you receive phone calls before 8am and after 9pm, contact your Attorney General and make a formal complaint. I will try and research more, but I do believe this company has been sued several times for violating these laws.
I get calls from this number once a day - they never leave any messages - seems to be a scam?
NCO debt collection (for AES American Education Services Loans). If your overdue payments they will call you... A LOT!
This number is calling me every hour or so ON MY CELL . I AM 65 YEARS OLD.
I DO NOT HAVE ANY STUDENT LOANS OR ANY UNPAID DEBTS.
this caller calls at all hours, i am old and don't have any student loans. it is a scam.
I think NCO, the organization behind this number along with 240-210-7139 and 757-209-2047 are scams! What kind of organization doesn't leave a message if they are really trying to get you to pay back your unanswered debts??? By the way, I have no unpaid/overdue bills let alone student loans. I have no unanswered debt!!!! I am sick of this and about to call my phone company and have these numbers blocked!!!!!!!
After being called several times a day and their not leaving a message, I finally answered waited through the messages and transfers until I got a real voice. This is NCO a debt collection agency. They were calling about my son's student loan that is 41 days past due with AES. I had already called AES to advise that he was unemployed but would continue to make payments now that he was free lancing, but he would only make directly to AES online...never to a collection agency. AES was fine with this saying however that NCO would continue the calls until current, but to tell them what we were doing and hangup...or just don't answer. I have now attached a special ring to this number and ID name so I will know not to answer it.
They are calling me at all hours, starting at 5 a.m., and never leave a message.
I have no idea who these people are...they don't even bother to leave a message.