NCO Financial, debt company

Receiving daily calls from this number identified as "NCO Group" -- whe I don't answere the answering machine message is "all of our agents are busy at ths tiem" -- so why did you call me -- just now I answered and got the same recorded message???? Don't have any idea who these folks are but called back and told a "too busy" person to take my number off their list as I'm registered on the DO NOT CALL list!

Mary,

Before talking with an outfit like NCO, I STRONGLY advise you to educate yourself about how NCO does business, and your rights under the FDCPA, FCRA, and TCPA.  Learn about "time barred" or "SOL" debt, and the dangers of re-starting the clock on old debt.

These guys play rough.  Admit nothing.  Do not suggest you will make a payment on an old debt, or in any way acknowledge an old debt, or a debt discharged in bankruptcy.  Demand written validation.  Do business with them in writing, if at all.

All mail sent to them should be well documented.  Certified, Return Receipt, photocopies, etc.,.
Never give them access to your bank accounts, credit cards, or debit cards.
Never pay anything without a written agreement.
If you pay something, use a bank check, or postal money order.

Keep these records for the rest of your life - somehow "records get lost", and some collectors will sell a paid debt to another collector, who then wants you to pay it again.

If you need to take control of your telephone back, see my post here:

<http://800notes.com/forum/ta-29022e7af5a3050- ... 042285175408068>

Here are some links to get you started:

About the law: (Some of these may be PDF files, so don't be alarmed by the download.)

<http://www.ftc.gov/os/statutes/fdcpajump.shtm>

<http://www.ftc.gov/os/statutes/fcrajump.shtm>

<http://www.ftc.gov/bcp/edu/pubs/consumer/alerts/alt144.pdf>

<http://www.fcc.gov/guides/unwanted-telephone-marketing-calls>

About NCO:

<http://www.budhibbs.com/collectorpages/nco_financial_systems.htm>

<http://www.ftc.gov/opa/2004/05/ncogroup.shtm>

<http://www.insidearm.com/daily/debt-collectio ... -hiring-felons/>

<http://deanmalone.com/debt-collection-blog/?p=427>

<http://www.fdcpa.me/nco-financial-cease-communication-fl/>

Don't know why the "Bud Hibbs" link didn't work.  I'll try again in this post.  Otherwise, just cut and paste it in your browser.  I think it is one you should see.

<http://www.budhibbs.com/collectorpages/nco_financial_systems.htm>

http://www.budhibbs.com/collectorpages/nco_financial_systems.htm