How do I find out who this company is? There are three different collection accounts on my credit report with agency names similar to this...any ideas?
I don't like dealing with them, either. By the way, DIEM...I liked the "EWW" (that was just TOO funny!). Yep..they DO call 20 times, per day. I have Medical debts with them....I mean. Debts from hospital visits,etc. I don't have Medical Insurance. I know a few of these debts are pretty old....NCO is trying to collect on them. Any advice? I DO owe them. I've tried to call NCO a few times....seems like the same "blah,blah,blah" from them.
They had a medical debt of mine at one time. I don't think they list on all 3 credit reporting agencies which is a good thing. NCO is notorious for buying junk debts and subsequently selling them. They is a chance they don't even own the account anymore.
Have you sent them a request for proper validation, via certified mail with return receipt? (USPS)
Chances are they will not validate, giving you grounds to get a removal. I would also include a limited cease and desist in that letter, prohibiting them from calling you any more. I do believe they are allowed to contact you one more time via phone until you speak with them, advising you of what they plan to do. You never want to discuss your debt with them or admit you owe it. You don't owe it unless they can produce the correct documents.
I apologize for the typing mistake there. It is not 7 days neither is it 30 days. There is no specific time period for them to respond to the DV letter. However usually the response comes, if at all, within a 30 days.
Right, the same goes for the letter they send debtors saying they have 30 days to dispute. If they can't validate within 30 days though, you can generally send an intent to sue letter and get the mark removed.
I haven't sent them anything yet as they haven't started to call...but this is a copy of the letter that I sent to that loser Burgess, any changes I should make?
Feb 22, 2008
Pelosino Law Office
Douglass R Burgess
4246 Ridge Lea Rd
Buffalo, NY 14226
Re: Dispute of Collection Action: Case # _____
To Douglass R Burgess:
On Jan 18, 2008 at 5:25am I was contacted by _______ of your agency, who informed me that the law offices of Douglass R Burgess is attempting to collect ______. This individual could not tell me for whom you are supposed to be collecting.
I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in (your state) has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the "statute of limitations" has expired.
In addition, under the provisions of state and federal Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and related consumer statutes, I am hereby instructing you that you are to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection.
Furthermore, any reporting of this matter to a credit reporting agency is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you will need to notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute.
Your next contact with me should be either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau(s) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility.
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing.
I look forward to your acknowledgement that you have received this notice by (30 days from today)
Sincerely,
No response yet, but the CA did call me about a week after, left no message but the number showd up on the caller id...how easy is it to sue them for violations anyway? They've not only called after receiving the above letter, called my parents-left a message saying that if they called the CA back, she'd give them more information about my debt and prevent it from going to court, called me at 5:25am, and once called 6 times in a row...
FDCPA violation... Calling at 5:25a.m. is atrocious. Calling your relatives only for information regarding your contacts is legal. report Them to the FTC.
Just an update...after sending the letter to Burgess, they sold the debt and have stopped calling. I've sent the same letter to just about every CA on my credit reports and almost all have dropped off (all SOL's have expired). They don't respond to the letter, so I don't know if it's good or bad, but some of the other debts have been resold as well, and more letters sent out...any way to break this seemingly endless cycle?
This is soo true. The past owners of my telephone # had some pretty massive debt by the amount of collectors who call here. I refuse to change my number(I was just getting use to it). I started picking up all the calls and threatening bbb and ftc..they only sell the account and a few weeks later it starts all over again.
Yes I have these ppl on my report as well i was ready to call to make arrangements....NO? I read that isn't what to do....HELP i'm young and new at this I just wanna repair my credit that my parents NEVER expressed was SOOOOO important!!I guess its kinda like dental you only get one so you better take care!!!
At the bottom of your credit report there should be an address listed for them. Could you please get that information, report back, and post it?
I pulled my report again using a different service and the name now shows NCO FIN/99 and another with NCO FIN/22...no address on either one
Eww thats NCO Financial and they are nasty and dirty. They won't hesitate to call your house 20 times a day.
NCO Financial Systems, Inc.
507 Prudential Road
Horsham, PA 19044
Send them a DV letter requesting PROPER validation. Send it certified usps mail with return receipt. They usually go away after that.
Will do, thanks!
Not a problem. Let us know if you need any further assistance!
NCO
I don't like dealing with them, either. By the way, DIEM...I liked the "EWW" (that was just TOO funny!). Yep..they DO call 20 times, per day. I have Medical debts with them....I mean. Debts from hospital visits,etc. I don't have Medical Insurance. I know a few of these debts are pretty old....NCO is trying to collect on them. Any advice? I DO owe them. I've tried to call NCO a few times....seems like the same "blah,blah,blah" from them.
They had a medical debt of mine at one time. I don't think they list on all 3 credit reporting agencies which is a good thing. NCO is notorious for buying junk debts and subsequently selling them. They is a chance they don't even own the account anymore.
Have you sent them a request for proper validation, via certified mail with return receipt? (USPS)
Chances are they will not validate, giving you grounds to get a removal. I would also include a limited cease and desist in that letter, prohibiting them from calling you any more. I do believe they are allowed to contact you one more time via phone until you speak with them, advising you of what they plan to do. You never want to discuss your debt with them or admit you owe it. You don't owe it unless they can produce the correct documents.
nco
Well...NCO hasn't called me in a while....thank goodness. If they DON'T 'own' the loan, are they SUPPOSE to tell me who does?
I don't think they will tell you anything other than that the account is no longer with them.
Hi Brian,
Have you send the DV letter to them? They should reply within 7 days of receipt of the letter at their end. Did you order a return receipt?
Laura, where do you find that it's 7 days? I've always been under the assumption they had 30 days.
I apologize for the typing mistake there. It is not 7 days neither is it 30 days. There is no specific time period for them to respond to the DV letter. However usually the response comes, if at all, within a 30 days.
Right, the same goes for the letter they send debtors saying they have 30 days to dispute. If they can't validate within 30 days though, you can generally send an intent to sue letter and get the mark removed.
Yes I agree to that. Can you please help us with a sample of the intent to sue letter?
I haven't sent them anything yet as they haven't started to call...but this is a copy of the letter that I sent to that loser Burgess, any changes I should make?
Feb 22, 2008
Pelosino Law Office
Douglass R Burgess
4246 Ridge Lea Rd
Buffalo, NY 14226
Re: Dispute of Collection Action: Case # _____
To Douglass R Burgess:
On Jan 18, 2008 at 5:25am I was contacted by _______ of your agency, who informed me that the law offices of Douglass R Burgess is attempting to collect ______. This individual could not tell me for whom you are supposed to be collecting.
I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statute of Limitations for enforcing this type of debt through the courts in (your state) has expired. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the "statute of limitations" has expired.
In addition, under the provisions of state and federal Fair Debt Collection Practices Act (FDCPA), Fair Credit Reporting Act (FCRA), and related consumer statutes, I am hereby instructing you that you are to cease collection of the debt while efforts are made to obtain verification. Until you resolve this error with the creditor, you should neither contact me nor anyone else except the creditor about this collection.
Furthermore, any reporting of this matter to a credit reporting agency is premature. Until you have investigated my dispute, you should not relay negative information to a credit reporting agency. If negative information has already been reported, you will need to notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute.
Your next contact with me should be either notice that the creditor has failed to provide verification of the debt and that the matter has been closed or that you believe that this debt is valid and are providing proof of my responsibility. If the former, please confirm that I am not being held responsible for the debt in writing and also that if the account has already been noted on my credit report, that you will contact the bureau(s) in question to have the account removed. If the latter, I expect that you will provide me with an explanation as to why you have decided not to remove this account from collections and a copy of all documents relevant to the debt such as the application, bills, records of communications and payments, and any other data that indicates my responsibility.
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. In addition, you may not contact me by phone at work or at my home about this collection activity. All future correspondence should be sent to me in writing.
I look forward to your acknowledgement that you have received this notice by (30 days from today)
Sincerely,
I did notice the precision with which you have written the letter. Infact i had written one as well. You can find it here
http://www.creditmagic.org/repair/sampleletter-debtvalidation.html
Did you get any response as yet? Wait for 30 days atleast.
No response yet, but the CA did call me about a week after, left no message but the number showd up on the caller id...how easy is it to sue them for violations anyway? They've not only called after receiving the above letter, called my parents-left a message saying that if they called the CA back, she'd give them more information about my debt and prevent it from going to court, called me at 5:25am, and once called 6 times in a row...
FDCPA violation... Calling at 5:25a.m. is atrocious. Calling your relatives only for information regarding your contacts is legal. report Them to the FTC.
Just an update...after sending the letter to Burgess, they sold the debt and have stopped calling. I've sent the same letter to just about every CA on my credit reports and almost all have dropped off (all SOL's have expired). They don't respond to the letter, so I don't know if it's good or bad, but some of the other debts have been resold as well, and more letters sent out...any way to break this seemingly endless cycle?
Not that I know of, but postage is cheap compared to the balance on the debts, correct?
Good one Morningstar and very true.
This is pretty unbreakable. Collections keep changing hands Brian. You have to be patient.
This is soo true. The past owners of my telephone # had some pretty massive debt by the amount of collectors who call here. I refuse to change my number(I was just getting use to it). I started picking up all the calls and threatening bbb and ftc..they only sell the account and a few weeks later it starts all over again.
soo confused
Yes I have these ppl on my report as well i was ready to call to make arrangements....NO? I read that isn't what to do....HELP i'm young and new at this I just wanna repair my credit that my parents NEVER expressed was SOOOOO important!!I guess its kinda like dental you only get one so you better take care!!!
Well...NCO hasn't called me in a while....thank goodness. If they DON'T 'own' the loan, are they SUPPOSE to tell me who does?
Yes, it is part of proper debt validation to tell you where the debt comes from.
ODKHocQYnzBMnQGQm
9Au3FP I am so grateful for your blog post.Much thanks again. Really Cool.