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NCO Collection

What can you do to keep NCO collection agency off your back? You've searched for answers, now you've found them.

Get the right facts to take the right action!

What Should You Do?

NCO Collection NCO Financial Systems has developed a reputation for harassing people about debt.

While collecting unpaid debt is never easy, NCO crosses the line by engaging in illegal debt collection practices including harassment, trying to collect on debt that has passed the statute of limitations, failing to validate debt, and contacting third parties about debt.

If you see NCO Financial on your credit report or you've received harassing phone calls from the company, there are legal actions you can take to stop the hounding.

First, do not pay the NCO collection agency any money up front.

No matter how they pressure or threaten you, you should not pay them until you know for sure that the debt they are trying to collect is valid and that they have not engaged in any illegal debt collection practices.

Second, be aware of your rights under the Fair Debt Collection Practice Acts.

Debt collectors may not threaten you, continue to contact you after you send them a cease and desist letter (unless they provide verification of the debt), make false claims when trying to collect a debt, give false credit information about you to a credit reporting agency or other party, or engage in unfair practices as stated by the FDCPA.

If the NCO collection agency engages in any of these practices, you can take legal action against them.

Third, check all three of the major credit reporting companies to ensure that the NCO collection agency has not placed false information on them.

Look at the amount, the date, and the last account activity. If you find any false information, you have grounds for suing the company in order to have this information corrected.

Fourth, send the company a letter asking them to cease all communication with you including, but not limited to, written and telephone contact.

The letter should be certified so that you have evidence that they received it. In your letter, you should also verify your address so that they do not seek to contact you at other locations such as a neighbor or relative's home.

Finally, if NCO Financial Systems violates any of the stipulations of the Fair Debt Collection Practices Act, file a complaint with the Federal Trade Commission and with your state Attorney General's office.

You can also sue the company if you have documentation of the violation. For this reason, it is important to obtain written or recorded verification of all communication with the company.

If you have valid debts, be aware that you must still meet your debt obligations even if collectors violate the FDCPA.

Take the time to find a debt consolidation company or purchase a do-it-yourself debt resource that can help you settle your debt.

Learn how many people just like you got this company off their backs!

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