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Economics Summaries
Debt Collection

NCO Financial Systems
The Worst Debt Collection Agency
by Vaughn Aubuchon

This web page summarizes the worst debt collection agency of all, NCO Financial Systems, and offers websites where you can get help for stopping harassment from unscrupulous, third-party debt collectors.

Are you being tormented by an obnoxious debt collection agency?
You must take action.

30

100

60

30

80

80

30

.
NCO Financial - How to Stop Them
Comparison to the Others


NCO Complaints


NCO Financial Systems Complaints - Ripoff Report

NCO Financial Systems Complaints - Ethan Non Sequitur

NCO Financial Systems Complaints - My 3 Cents

NCO Financial Systems Complaints - The Better Business Bureau


Why Did I Make This Page?


Month after month, I get AT LEAST TWO computer-generated phone calls EVERY DAY from NCO Financial Systems. That's why I took the time to make this page.
They are attempting to collect an alleged 1996 credit card debt I DO NOT owe.
- I did not owe the debt, and I DO NOT owe the debt.
- Additionally, the statute of limitations has long since expired. NCO Financial Systems attempts to collect TIME-BARRED DEBT through ceaseless, pounding harassment.
There is NO JUSTIFICATION for DAILY HARASSMENT, FOREVER.

Due to their continuing, over-the-top debt collection harassment practices, I decided to join others who have told their stories online, so that there is more awareness of this relentless pounding tactic. This is the worst collection agency in the USA.
Want proof? Keep reading.


Who Are They?
Top Ten List

Here is a list of the top 10 worst collection agencies in the United States,
from Bud Hibbs - America's Consumer Credit Expert
Here is Bud's February 2009 list -
Special Category - Marauder - Indian Wells, CA - Ryon Gambill
1. Fred Hanna
- Marietta, Georgia
2. Unistates - bankrupt
3. Unifund - Cincinnati, Ohio
4. Meridian Management - Ponte Vedra, FL
5. Mann-Bracken - Formerly Wolpoff & Abramson - Rockville, MD
6. Midland Credit Management - San Diego, CA
7. NCO Financial Systems - Horsham, Pennsylvania
8. LVNV Funding - Greenville, South Carolina
9. Coastal Asset - AKA Shekinah - Huntington Beach, CA
10. Asset Acceptance Corporation - Warren, Michigan
11. Collect America - Denver, CO
12. Aurora, Gold - East Aurora, NY

Here is Bud's list from 3 years ago -
1. Giove Law Offices - Buffalo, Amherst, Rochester, West Seneca, Niagara Falls, Snyder, NY
2. Wolpoff & Abramson - Rockville, MD
3. NCO Financial Services - Horsham, Pennsylvania
     
"More Complaints Daily than the Other Nine Combined" Bud has dropped this comment.
4. Shekinah, Inc. -        Huntington Beach, California
5. Unifund CCR Partners - Cincinnati, Ohio
6. LVNV Funding, LLC Resurgent Capital - Greenville, South Carolina
7. Frederick J. Hanna & Associates - Marietta, Georgia
8. Collect America, LTD - (CACV) & (CACH)
9. Asset Acceptance Corporation - Warren, Michigan
10. Bronson & Migliaccio, LLP - Buffalo, NY


Harassment Phone Numbers


The company never identifies itself. My caller ID always says "Out of Area".

There are many NCO numbers. The following are the numbers that have hounded me personally:

800-685-4343 - Harassment Number - #1
800-445-4918 - Harassment Number - #2
888-550-4514 - Harassment Number - #3

Here is the autodialer message transcription -
"This is an important message from NCO Financial Systems, Incorporated.
The law requires that we notify you that (unintelligible) debt collection company.
This is an attempt to collect a debt, and any information obtained will be used for that purpose. Please call Julio Elaine back today, at 1-800-445-4918.
Once again, the number is 1-800-445-4918.
Thank you.
CPS123 is your ID code.
Again, your ID Code is CPS123"
(ID code changed)
Wednesday 10:38 AM, Feb. 21, 2007 (followed by many other "silent" calls - no message, just harassment hang-ups)


Cease and Desist Letter


BY FEDERAL LAW.
the harassment must stop, once you send a "Cease and Desist" letter. You must send this letter by Certified Mail (PS Form #3800) with a Return Receipt (PS Form #3811), to prove that it was sent, and that it was received.


Cease and Desist letter from I Hate Debt

Cease and Desist letter from Credit Clean

Document all harassment that occurs after you send the letter. You may be entitled to a cash award, if it can be shown that the company acted in bad faith, and continued to violate Federal law, after the order letter was received.

((Why have I not done this earlier? Laziness, and I thought I would just let them waste their time, was the best way to respond. But this has gone too far. It is ridiculous beyond belief. I have sent the Cease and Desist letter. I am reporting below the
timeline of events after I mailed the letter. My phone ANNOUNCES that I record all calls (time-stamped.))


You Must Have Proof


Here are the 2 Post Office forms that you need -


PS Form 3800
USPS Form 3800 - Certified Mail Receipt




PS Form 3811
USPS Form 3811 - Domestic Return Receipt


In addition, you will probably have to
Send a Cease and Desist Order to Merchants' Credit Guide -
Merchants' Credit Guide Co.
223 W. Jackson Blvd., #900
Chicago, IL 60606


120

560 - 680


Timeline

D

Date

.
Summary of Recorded Calls

-

Feb. 21, 2007

Wednesday - 1 call -
10:38 PM - NCO Financial Systems - "Call Julio Elaine"

-

Feb. 22, 2007

Thursday - 1 call -
12:07 PM - NCO Financial Systems - "Call Julio Elaine"

-

Feb. 23, 2007

Friday - 4 hang up harassment calls
Mailed "Cease and Desist" letter today to NCO Financial Systems.


I received my first call from "Merchants' Credit Guide".
888-249-4134 - Harassment Number - #4
Merchant's Credit Guide buys ancient, time-barred debts, and attempts to collect on them through intimidation and harassment. Looks like I need to file another Cease and Desist letter with Merchants Credit Guide.

2:54 PM - Merchants' Credit Guide
Transcription of call -
Here is the autodialer message transcription -
"This is a message for "John Doe".
If you are not "John Doe", please hang up, or disconnect.
If you are "John Doe", please continue to listen to this message.
There will now be a 3 second pause in this message."
(2-second delay)
"By continuing to listen to this message, you acknowledge you are "John Doe"
(???- How idiotic is this? This is a machine-to-machine message!)
"This is Merchants Credit Guide company.
By law, we are required to inform you that this is an attempt to collect a debt, and any information obtained will be used for that purpose.
Please contact us about an important business matter at 888-249-4134.
Again, that number is 888-249-4134."


According to online reports referenced above, Merchants' Credit Guide is a partner of
NCO Financial Systems. Maybe my Cease and Desist just got noticed, and I just got shuttled over to Merchants Credit Guide. So, if you send a Cease and Desist order to NCO Financial Systems, they simply start hitting you with "Merchants Credit Guide" demands - the same debt collection effort, using different people, so they can continue harassing you, by circumventing Federal Fair Debt Collection Practices Act (FDCPA) law violations.

-

Feb. 24, 2007

Saturday - 2 hang-up harassment calls

-

Feb. 25, 2007

Sunday - 1 hang-up harassment call

Week 1

Feb. 26, 2007

Monday - 3 hang up harassment calls, plus
1:36PM - NCO Financial Systems - "Call Julio Elaine"

DELIVERY CONFIRMATION of my CEASE and DESIST LETTER was received on Feb. 26, 2007. The signature of the agent was "S. Jay".
NCO  Financial PS Form 3811 completed
THE CLOCK IS RUNNING

1st Violation
2nd Violation
of
Federal Law

1

Feb. 27, 2007

Tuesday - 2 hang-up harassment calls

2

Feb. 28, 2007

Wednesday - 3 calls so far - They DEFINITELY have the C&S letter by now. It's time for me to get others involved.
3:51PM - Another call from Merchants Credit Guide 888-249-4134.

3

Mar. 1, 2007

Thursday - 3 hang-up harassment calls, plus
5:23PM - Another call from Merchants Credit Guide 888-249-4134.

4

Mar. 2, 2007

Friday - 3 hang-up harassment calls

5

Mar. 3, 2007

Saturday - 2 hang-up harassment calls

6

Mar. 4, 2007

Sunday - 2 hang-up harassment calls


Week 2

D
Date

Harassment Calls

3rd Violation
4th Viollation
of
Federal Law

7

Mar. 5, 2007

Monday - 2 hang-up harassment calls, plus
9:57AM - NCO Financial Systems - IN VIOLATION OF FEDERAL LAW, "JULIO ELAINE" CALLED AGAIN TODAY, ONE WEEK AFTER RECEIPT OF A CEASE AND DESIST LETTER.

8

Mar. 6, 2007

Tuesday - 3 hang-up harassment calls

9

Mar. 7, 2007

Wednesday - 3 hang-up harassment calls

10

Mar. 8, 2007

Thursday - 3 hang-up harassment calls

11

Mar. 9, 2007

Friday - 2 hang-up harassment calls, plus
1:23 P.M. - NCO Financial Systems - IN VIOLATION OF FEDERAL LAW, "JULIO ELAINE" CALLED AGAIN TODAY, 11 DAYS AFTER RECEIPT OF A CEASE AND DESIST LETTER.

12

Mar. 10, 2007

Saturday - 0 calls

13

Mar. 11, 2007

Sunday - 2 hang-up harassment calls


Week 3

D
Date

Harassment Calls

5th Violation
of
Federal Law
-
Continuing
harassment

14

Mar. 12, 2007

Monday - 0 calls

15

Mar. 13, 2007

Tuesday - 2 hang-up harassment calls

Note that this is a NEW COMPUTER GENERATED HARASSMENT message -
Call is configured so that CALLER IS NOT IDENTIFIED.

10:24 AM - " ... since, press 2 now.
To take a message, press 3 now.
If this is the wrong number to reach "John Doe", press 4 now.
(3-second pause - music)
If you are "John Doe", please press 1 now.
To place this call on hold to get the right person, press 2 now.
To take a message, press 3 now.
If this is the wrong number to reach "John Doe", press 4 now."
(3-second pause - music)  Hang-up"

AN ANSWERING MACHINE CANNOT PRESS BUTTONS.  HELLO?

Pure harassment!

16

Mar. 14, 2007

Wednesday - 1 hang-up harassment call

17

Mar. 15, 2007

Thursday - 0 calls

18

Mar. 16, 2007

Friday - 2 hangup harassment calls

19

Mar. 17, 2007

Saturday - 1 hang-up harassment call

20

Mar. 18, 2007

Sunday - 9:52 AM - Hang-up harassment call
Sunday - 7:36 PM - Hang-up Harassment call


Week 4

D
Date

Harassment Calls

21

Mar. 19, 2007

Monday - 0 calls

22

Mar. 20, 2007

Tuesday - 0 calls

23

Mar. 21, 2007

Wednesday - 0 calls

24

Mar. 22, 2007

Thursday - 0 calls

25

Mar. 23, 2007

Friday - 0 calls

26

Mar. 24, 2007

Saturday - 0 calls

27

Mar. 25, 2007

Sunday - 0 calls


Week 5

D
Date

Harassment Calls

6th Recorded violation of Federal Law
-
Continuing harassment

28

Mar. 26, 2007

Monday - 0 calls

29

Mar. 27, 2007

Tuesday - 0 calls

30

Mar. 28, 2007

Wednesday - 0 calls

31

Mar. 29, 2007

Thursday - 10:30 AM - NCO Financial Systems - IN VIOLATION OF FEDERAL LAW, "JULIO ELAINE" CALLED AGAIN TODAY, 31 DAYS AFTER RECEIPT OF A CEASE AND DESIST LETTER. These people are not only obnoxious, they are incredibly STUPID! Having A.T.T. document these violations is going to result in SUBSTANTIAL MONETARY FINES - $1,000 for each violation.

32

Mar. 30, 2007

Friday - 0 calls

33

Mar. 31, 2007

Saturday - 0 calls

34

Apr. 1, 2007

Sunday - 0 calls


Week 6

D
Date

Harassment Calls

35

Apr. 2, 2007

Monday - 0 calls

36

Apr. 3, 2007

Tuesday - 0 calls

37

Apr. 4, 2007

Wednesday - 0 calls

38

Apr. 5, 2007

Thursday - 0 calls

39

Apr. 6, 2007

Friday - 0 calls

40

Apr. 7, 2007

Saturday - 0 calls

41

Apr. 8, 2007

Sunday - 0 calls


Week 7

D
Date

Harassment Calls

7th Recorded violation of Federal Law
-
Continuing
harassment

42

Apr. 9, 2007

Monday - 0 calls

43

Apr. 10, 2007

Tuesday - 0 calls

44

Apr. 11, 2007

Wednesday - 0 calls

45

Apr. 12, 2007

Thursday - 0 calls

46

Apr. 13, 2007

Friday - 8:22 AM - NCO Financial Systems - IN VIOLATION OF FEDERAL LAW, I RECEIVED ANOTHER HARASSMENT CALL AGAIN TODAY, 46 DAYS AFTER RECEIPT OF A CEASE AND DESIST LETTER. From 1-800-249-4134 - At this point, they know G.D. well that they will receive NOTHING from me EVER. The continuing calls are therefore made for the sole purpose of HARASSMENT.

8:22 AM - " ... person, press 2 now.
To take a message, press 3 now.
If this is the wrong number to reach "John Doe", press 4 now.
(3-second pause - music)
If you are "John Doe", please press 1 now.
To place this call on hold to get the right person, press 2 now.
To take a message, press 3 now.
If this is the wrong number to reach "John Doe", press 4 now."
(3-second pause - music)  Hang-up"

47

Apr. 14, 2007

Saturday -

48

Apr. 15, 2007

Sunday -


Week 8

D
Date

Harassment Calls

49

Apr. 16, 2007

Monday - 0 message calls

50

Apr. 17, 2007

Tuesday - 0 message calls

51

Apr. 18, 2007

Wednesday - 0 message calls

52

Apr. 19, 2007

Thursday - 0 message calls

53

Apr. 20, 2007

Friday - 0 message calls

54

Apr. 21, 2007

Saturday - 0 message calls

55

Apr. 22, 2007

Sunday - 0 message calls


Week 9

D
Date

Harassment Calls

8th Violation
of Federal Law
-
Continuing
harassment
(hang-up calls)

56

Apr. 23, 2007

Monday - 0 calls

57

Apr. 24, 2007

Tuesday - 0 calls

58

Apr. 25, 2007

Wednesday - 0 calls

59

Apr. 26, 2007

Thursday - 9:56AM - NCO Financial Systems 445-4918 - The CEASELESS, ILLEGAL HARASSMENT continues.

60

Apr. 27, 2007

Friday - 0 calls

61

Apr. 28, 2007

Saturday - 0 calls

62

Apr. 29, 2007

Sunday - 0 calls


Week 10

D
Date

Harassment Calls

9th Violation
of Federal Law
-
Continuing
harassment
(hang-up calls)

63

Apr. 30, 2007

Monday - 0 calls

64

May 1, 2007

Tuesday - 0 calls

65

May 2, 2007

Wednesday - 0 calls

66

May 3, 2007

Thursday - 8:51AM - NCO Financial Systems 445-4918 - The CEASELESS, ILLEGAL HARASSMENT continues, 66 days after receipt of the Cease and Desist letter.

67

May 4, 2007

Friday - 0 calls

68

May 5, 2007

Saturday - 0 calls

69

May 6, 2007

Sunday - 0 calls


Week 11

D
Date

Harassment Calls

70

May 7, 2007

Monday - 0 calls

71

May 8, 2007

Tuesday - 0 calls

72

May 9, 2007

Wednesday - 0 calls

73

May 10, 2007

Thursday - 0 calls

74

May 11, 2007

Friday - 0 calls

75

May 12, 2007

Saturday - 0 calls

76

May 13, 2007

Sunday - 0 calls


Week 12

D
Date

Harassment Calls

10th Violation
of Federal Law
-
Continuing
harassment
(hang-up calls)

77

May 14, 2007

Monday - 0 calls

78

May 15, 2007

Tuesday - 0 calls

79

May 16, 2007

Wednesday - 0 calls

80

May 17, 2007

Thursday - 5:38PM - NCO Financial Systems 800-445-4918 - The CEASELESS, ILLEGAL HARASSMENT continues.

81

May 18, 2007

Friday -

81

May 19, 2007

Saturday -

83

May 20, 2007

Sunday -




Week 17

D
Date

Harassment Calls

11th RECORDED
Violation
of Federal Law
-
Continuing
harassment =
$11,000

112

June 18, 2007

Monday - 0 calls

113

June 19, 2007

Tuesday - 0 calls

113

June 20, 2007

Wednesday - 11:07PM - NCO Financial Systems 800-445-4918 - "JULIO ELAINE" CALLED AGAIN TODAY, 113 DAYS AFTER RECEIPT OF A CEASE AND DESIST LETTER. The CEASELESS, ILLEGAL HARASSMENT continues.

114

June 21, 2007

Thursday -

115

June 22, 2007

Friday -

116

June 23, 2007

Saturday -

117

June 24, 2007

Sunday -



Week 18

D
Date

Harassment Calls

12th RECORDED
13th RECORDED
Violation
of Federal Law
-
Continuing
harassment =
$13,000

118

June 25, 2007

Monday - 0 calls

119

June 26, 2007

Tuesday - 0 calls

120

June 27, 2007

Wednesday - 1:17PM - NCO Financial Systems 800-445-4918 - "JULIO ELAINE" CALLED AGAIN TODAY, 120 DAYS AFTER RECEIPT OF A CEASE AND DESIST LETTER. The CEASELESS, ILLEGAL HARASSMENT continues.

121

June 28, 2007

Thursday -

122

June 29, 2007

Friday -

123

June 30, 2007

Saturday - 10:25PM - NCO Financial Systems 800-445-4918 - "JULIO ELAINE" CALLED AGAIN TODAY, 123 DAYS AFTER RECEIPT OF A CEASE AND DESIST LETTER. The CEASELESS, ILLEGAL HARASSMENT continues. Duly recorded, and archived off-site, as always.

124

July 1, 2007

Sunday -



Week 19

D
Date

Harassment Calls

125

July 2, 2007

Monday - 0 calls

126

July 3, 2007

Tuesday - 0 calls

127

July 4, 2007

Wednesday -

127

July 5, 2007

Thursday -

128

July 6, 2007

Friday -

129

July 7, 2007

Saturday -

130

July 8, 2007

Sunday -



Week 20

D
Date

Harassment Calls

131

July 9, 2007

Monday - 0 calls

132

July 10, 2007

Tuesday - 0 calls

133

July 11, 2007

Wednesday -

134

July 12, 2007

Thursday -

135

July 13, 2007

Friday -

136

July 14, 2007

Saturday -

137

July 15, 2007

Sunday -



Week 21

D
Date

Harassment Calls

14th RECORDED
Violation
of Federal Law
-
Continuing
harassment =
$14,000

138

July 16, 2007

Monday - 0 calls

139

July 17, 2007

Tuesday - 0 calls

140

July 18, 2007

Wednesday - 2:20PM - NCO AGAIN - With an identification of "TAM Answering - A NEW MESSAGE, using TWO people - The first (mystery) woman is loud and carefully makes sure the "from NCO" part of the message is NOT recorded - the second woman is "Miss Bernard" - "Please call 1-800-445-4918." I'll transcribe it later - too busy right now with Tom Corbett and These Guys.

NCO FINANCIAL SYSTEMS CALLED AGAIN TODAY, 140 DAYS AFTER RECEIPT OF A CEASE AND DESIST LETTER. The CEASELESS, ILLEGAL HARASSMENT continues. Duly recorded, and archived off-site, as always.

141

July 19, 2007

Thursday -

142

July 20, 2007

Friday -

143

July 21, 2007

Saturday -

144

July 22, 2007

Sunday -



Week 22

D
Date

Harassment Calls

138

July 23, 2007

I moved this week, and cancelled my old phone number,
since I moved to a different area code.

I got a cell phone, and have not received any more calls from NCO.

If I still had my old number, I have no doubt that the calls would not have stopped.

Pity the poor fool who gets my old number.

WHERE IS MY CHECK FOR $14,000?

139

July 24, 2007

140

July 25, 2007

141

July 26, 2007

142

July 27, 2007

143

July 28, 2007

144

July 29, 2007





Date

Day
Time
Stamp

.
Summary of
Recorded Debt Collection Harassment Calls

Vio
#

Feb. 21, 2007 - Wed.

-

10:38 AM

NCO Financial - Call Julio Elaine - Call 800-445-4918

-

Feb. 22, 2007 - Thurs.

12:07 PM

NCO Financial - Call Julio Elaine - Call 800-445-4918

Feb. 23, 2007 - Fri.

2:54 PM

Merchants Credit Guide - Call 888-249-4134

Feb. 26, 2007 - Mon.

0

1:36 PM

NCO Financial - Call Julio Elaine - Call 800-445-4918
Cease and Desist letter receipt confirmation

Feb. 28, 2007 - Wed.

2

3:51 PM

Merchants Credit Guide - Call 888-249-4134

1

Mar. 1, 2007 - Thurs.

3

5:23 PM

Merchants Credit Guide - Call 888-249-4134

2

Mar. 5, 2007 - Mon.

7

9:57 PM

NCO Financial - Call Julio Elaine 800-445-4918

3

Mar. 9, 2007 - Fri.

11

1:23 PM

NCO Financial - Call Julio Elaine 800-445-4918

4

Mar. 13, 2007 - Fri.

15

10:24 AM

Unidentified harassment caller - message transcript above

5

March 29, 2007

31

10:30 AM

-

6

Apr. 13, 2007

46

8:23 AM

NCO Financial Systems

7

Apr. 26
May 3
May 17

-

-

I receive approximately 12 - 20 silent, hang-up harassment calls EVERY week. NO IDENTIFICATION, no caller ID, just harassment! This is the time to get your phone company involved. They can identify harassment callers, and provide you with the records you will need in court.

8
9
10

June 20, 2007

113

11:07 AM

NCO Financial - Call Julio Elaine 800-445-4918

11

June 27, 2007

120

1:17 PM

NCO Financial - Call Julio Elaine 800-445-4918

12

June 30, 2007

123

10:25 AM

NCO Financial - Call Julio Elaine 800-445-4918

13

July 18, 2007

140

1:23 PM

NCO Financial - Mystery woman Bambi, then "Miss Bernard" - "Please call 1-800-445-4918 . . . Idiots.

14

UPDATE July 22, 2007 - Continuing documented violation of Federal Law - the illegal harassment continues. I canceled my phone number on July 30, 2007. This has stopped the harassment. If I had not canceled it, I have no doubt whatsoever that they would still be calling me.
What Congress Must Do!

UPDATE April 30, 2010 - These b@stards have found my new number, and have resumed bombarding me. Except, now they want Curtis Cobxxxxxxx. Now, when I pick up, I get this message -
"Hello. we need to speak to Curtis Cobxxxxxx, about a personal business matter.
If you are Curtis Cobxxxxxx, please press 1 now.
To place this call on hold, to get the right person, press 2 now.
To take a message, press 3 now.
If this is the wrong number to reach "Curtis Cobxxxxxx", press 4 now." (3-second pause)
"I did not hear your answer.
If you are Curtis Cobxxxxxx, please press 1 now.
To place this call on hold, to get the right person, press 2 now.
To take a message, press 3 now.
If this is the wrong number to reach "Curtis Cobxxxxxx", press 4 now. (3-second pause)
Good bye."
I have pressed 4 MANY TIMES, to no avail.
The Caller ID says TOLL FREE CALL - 866-613-4835.




DO THIS NOW -
File a formal online complaint with the Attorney General of Pennsylvania, Tom Corbett.
Unfortunately, your complaint may result in such "non-actions" as this -
Tom Corbett caves in, and endorses NCO - NCO Sweetheart Deal - Jan. 27, 2006
NCO Financial Systems was allowed to deny the accusations, and continue business as usual. The Commonwealth's case was negotiated by Senior Deputy Attorney General Thomas J. Blessington, who gave NCO his "blessing". What a crock! TOAB.
THEN -
File a formal online complaint with the Federal Trade Commission of the United States.
Federal action is required, to stop this illegal activity nation-wide. The Feds are your best bet. They need to be buried in complaints. This, and only this, will precipitate Federal action. Maybe, even enforcement.



Addendum
Pseudonyms - a.k.a. - NCO is also known as -
NCO Financial Systems (51K, was115K Google results, when searched using parentheses)
NCO Financial Services (17K, was 50K Google results, parentheses)
NCO Portfolio Management (7K, was 13K Google results) - Parent Company - "Purchaser of delinquent accounts"
"Harasser of the masses" might be a more appropriate tag line.

Pseudonyms - a.k.a. - MCG is also known as -
Merchant's Credit Guide (800 Google results)
aka
CFB Financial III, LLC (615 Google results)
Apparently, "The Henchman's Henchman", MCG is used for the purpose of continued harassment.




NCO Financial Systems and Merchant's Credit Guide are driving people crazy, with their over-the-top debt collection practices. They are going too far. Apparently, they always do. This would be an excellent subject for

John Stossel of ABC News -
The LATEST SCAM -
CRIMINAL DEBT COLLECTION HARASSMENT FOR TIME-BARRED DEBT.


Congress needs to
PROHIBIT THE USE OF COMPUTER-AUTOMATED EQUIPMENT
for the purpose of UNCONSCIONABLE HARASSMENT ACTIONS
by 3RD PARTY DEBT COLLECTORS
attempting to collect on PENNY-PURCHASED, TIME-BARRED DEBT.

"POUND away, until they pay, whether they owe or not."
. . . their unspoken motto

The common tactic they use, as reported on various websites, and the Pennsysvania lawsuit, is "Debt Date-Changing". They LIE, and CHANGE the date of many debts, so that the debt appears to be MUCH newer than the ACTUAL DEBT OCCURRENCE. "Corbett said that the alleged violations included engaging in or using unfair or
deceptive debt collection acts and/or practices, and engaging in or using false, deceptive, or misleading representations ... "

They do this to avoid the "Statue of Limitations", under which these debts legally belong. If you ask for "Proof", they obviously cannot provide it, so they respond with intimidation and threats, to illegally get you to pay them. THIS NEEDS TO STOP. It is unconscionable for the United States Government to continue to allow these unbridled, illegal attacks upon U.S. citizens, by powerful U.S. corporations.


Disclaimer
The data on this page was found on the web. Although every attempt has been made to verify the accuracy of statements on this page, errors can occur. The opinions stated above are the opinions of the webmaster, and he alone.

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Vaughn's Summaries
©2007 Vaughn Aubuchon
www.vaughns-1-pagers.com
All Rights Reserved
This Vaughns NCO Financial Systems summary page
was last updated on 2014-05-11.