NCO Financial never seems to learn it’s lessons. The were fined by by the FTC $1,500,000.00 but continue with their same old tricks. They will try to intimidate consumers with various tactics. One of their favorite ones is when you question them about an alleged debt that they are trying to collect on, they get real snotty. You may or may not owe the debt, but that does not give them the right to treat you like dirt on the phone. If you cower easy to these types of tactics just hang up. If you would not let your children talk to you that way why should you let an adult?
One of the easiest ways to get NCO Financial to go away is to send them a request for validation. A request for validation is simply a letter stating that you do not know what the debt is for and you want more information. By law they have to provide you with the name of the original creditor, the original creditors address and phone number. 9 times out of 10 they will reply with a letter that they are no longer attempting to collect on that debt.
Another thing that they do is use a predictive dialer for out going calls. If they call you on your cell phone with a predictive dialer they owe you $500.00 end of discussion. That is a violation of the Telephone Consumers Protection Act. Make sure you document the day and time that they called you on your cellphone and wait for your bill. When you receive your cellphone bill fire off a letter telling them that you know that they broke the law with a redacted copy of your phone bill and wait for their attorney to call you. If done properly you can leverage this to get rid of a debt they are attempting to collect and maybe put some cash in your pocket. Just remember each time they call you it is worth $500 dollars if they do it with a predictive dialer to your cellphone.
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