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NCO Financial Systems

Have you received a phone call from NCO Financial Systems about a debt that you either paid or were not aware of? Have you noticed their name on your credit report?

If so, you are not alone. What you need is the right information and then take right actions.

NCO Information

NCO Financial Systems Many conscientious citizens just like you have been harassed by NCO for debts that they paid, that have expired, or that they do not owe.

The company does big business each year by purchasing old debt loans and then trying to collect on them, sometimes illegally.

If you've been a recipient of their wrongful debt collection techniques, you should consider taking action to stop the harassment and have the misinformation removed from your credit report.

Once NCO Financial Systems begins trying to collect on a debt, they often use illegal practices such as daily harassment, claiming falsely to represent a law firm, threatening to sue, and contacting third parties about the debt.

Sucess Stories

One individual reported getting at least two computer generated phone calls every day over the course of many months. His course of action began with sending a cease and desist letter by certified mail to NCO Financial Systems, asking them to stop the harassing phone calls.

He kept records of the contacts made by the company, including those made after the letter was sent and made sure to keep both the certified mail receipt and the domestic return receipt so that he could verify the accuracy of his claims.

When the phone calls did not stop, he filed a formal complaint with his state attorney general and with the Federal Trade Commission.

If NCO Financial Systems has put negative accounts on your credit report, causing you to be turned down for loans or causing your credit score to drop, you can seek legal help.

One man contacted a law firm specializing in credit and within three weeks began to see results. The law firm helped him dispute the account by sending a letter to each credit bureau providing documentation about the debt. In his case, NCO Financial removed the debt.

Sometimes, however, they will ask you to send documentation about the date of the debt and the date it was paid off, so be sure you have this information available.

You may need to send it to the credit bureaus as well once a dispute has begun.

Whether you owe the debt or not, NCO Financial Systems cannot legally harass you about it, and once you have sent them a cease and desist letter, they are legally obligated to stop trying to contact you unless they can provide validation that the debt is legitimate.

Even in the case of legitimate debt, harassment is not permitted under the Fair Debt Collection Practices Act.

If you are in debt, you need to take the steps necessary to get out of debt. Debt consolidation companies or do-it-yourself options can help you conquer your debt.

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

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