May 12, 2008
these people LITERALLY start calling at 7:59am, im pretty sure thats illegal, they call from about 7 different numbers and call about four times IN A ROW about 7 or 8 times a day, a grand total of 28-32 times a day, which is a violation of the Fair Debt Collection Practice Act. Bottom line is NCO is a third party bottom feeder debt collection agency. These people take a debt which has been written off by Capitol One (in my case) and you are NOT legally bound to pay them. When i have the money I owe, i will call Capitol One myself and handle this issue. Its always a good practice NOT to deal with a third party collection agency. More often than not, if you call the company who you originally owed the money to, they will settle for less than the collection agency is asking. They'd rather get SOME money from you rather than NONE.
Good luck to you all! If all else fails, you can always change your number! Inconvenient, but unfortunately the quickest way to avoid NCO.