Any information on NCO financial group?

Question

In august of 2002 or 03 I went to the E.R. I never recieved a bill from the hospital. I was on my grandparents insurance and we had assumed it was paid. I ran a credit report on myself and seen that i owed money to a NCO financial group. I called the numbers and they said I had 2 accounts with them for the same date as before. One for $174 and one for $160. The hospital said their bill was paid, but not the physician bill. When i called nco they first said i only had 1 account, now i have 2?! I talked to my insurance agency they said all that had to be done was for the claim to be filed again and they would take care of it. NCO now puts me on hold for 30 min and then i get disconnected when i ask them to do this. They have never called me or sent me anything. When i asked them my address they gave me the wrong one! Everytime i call them they give me another number to call and that person always sends me back to NCO. I have no clue what to do! Please help!

Answer 1

chances are NCO is a collection agency
as such such foul up are common
ideally you should NEVER make phone contact
all correspondance should be by mail ( certified )

like he example below-

This letter is being sent to you in response to a notice sent to me on December 16, 2005. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 (b) that your claim is disputed and validation is requested.
This is NOT a request for “verification” or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following:
· What the money you say I owe is for;
· Explain and show me how you calculated what you say I owe;
· Provide me with copies of any papers that show I agreed to pay what you say I owe;
· Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
· Prove the Statute of Limitations/UCC has not expired on this account
· Show me that you are licensed to collect in my state.
· Provide me with your license numbers and Registered Agent

At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureau’s (Equifax, Experian or TransUnion) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following:
· Violation of the Fair Credit Reporting Act
· Violation of the Fair Debt Collection Practices Act
· Defamation of Character

If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
I would also like to request, in writing, that your offices make no telephone contact to me or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records; any information obtained shall be used for that purpose.

Answer 2

NCO is a big credit collection Agency. I have an account that was sent to them and they are hard to deal with!

Send a disput letter to all 3 credit agencies that NCO is listed under. Make sure the NCO account is listed as a bad debt under the credit agency name before you start a disput with any particular agency .Sometime NCO might report to Trans Union but not Equifax. So you don't want to send a disput to equifax when NCO has not reported to Equifax. You will aggrivate NCO to go ahead and report to them as well.

On your disput letter to the credit agencies deny the debt as yours.
This way NCO will have to come up with the proof of why you owe this debt. If they cant verify why you owe this debt to the credit agencies then by law it MUST BE DELETED OFF YOUR REPORT.The credit agencies have 30 days to investigate it and if NCO doesnt comeup with an answer, its deleted.

If NCO does have proof then you will get notified.

I ahve noticed on some of my bad credit accounts, the creditor reorted it twice and even 3 times to my credit report for the same debt. So check that out as well!

www.truecredit.com is a great place to get credit monitoring and get accurate up to day credit reports.

Answer 3

Get NCO's address from your credit report and send a letter to your local Better Business Bureau (BBB) and copy them. Tell the BBB that NCO has never sent you any communication regarding this debt, nor proof that it's even yours. The BBB will then contact NCO and give them 30 days to respond. NCO will surely provide proof the debt is yours or remove it from your reports altogether.

Answer 4

If this became a real summons and there is a court docket # on the summons, that's no longer a scam...once you've any doubt, call the community court to substantiate no matter if it really is a real summons with a shown court date. Debt creditors like to scare those with bogus legal threats. in case you could make sure that it really is a real summons: those everyone looks taking section in the default judgment sport....even although this debt is time-barred and previous the statute of obstacles, they could get a judgement hostile to you in case you do not take position in court and document any required reaction.....they are hoping and praying that you will be a "no educate" on the court date purely so that they are going to win by default....do not play their sport! Be smart and take position.... What you want to do: employ an lawyer and document a "action to brush aside" depending upon the debt being time barred. substantial: those bottom feeders quite somewhat by no ability can produce a duplicate of the unique signed contract for debt this previous. Insist and demand that that the produce this record. Mail a letter by ability of qualified mail with go back receipt to NCO and Bonner, warfare and breaking point, purely state: in line with the truthful Debt sequence Practices Act, i'm soliciting for: - replica of the unique signed contract for this alleged debt - validation of the unique “Date of Delinquency” for this alleged debt - validation that this alleged debt is in the statute of obstacles for “Open” contracts (mastercard debt). - validation of the “Date of very last interest” for this alleged debt -------------- * do no longer signal your signature on any record that you mail to them. it would want to finally end up on a forged contract that would want to correctly be used hostile to you. purely form the completed call.