I would really like to know how to get through to these people's heads when you tell them that "they can contact me though correspondence only" that means that they can know longer call anymore, the problem is that they don't give you a chance to say anything they just yell and hang up the phone, they even have asked for my "SIN" number without even identifing who they are, and what they are calling about. is there some place where I can contact them trough email and confirm that they have only correspondence rights with me??

not correct.  what you need to do is contact them.  you would have needed to ask prior to setting up the account.  if at the end of the pymts, if they will expunge it as opposed to just reporting it as a paid collection account.  otherwise it will stay on there.  your debt automatically gets reported after it is in the system 90 days unless  you are able to make an agreement with a supervisior.  just to let you know.

Go online and make a complaint to the Better Business Bureau that handle cases in your area.

is ther a phone number for nco?

I don't know why they are on my credit report

if you google nco fin you will see different numbers after their name. ( ie.nco fin55  , nco fin 22 ) click here on either of those sites and take a look at what you are up against. They buy old debt from years ago that cannot be held up in court and try to make life wonderful for you!! Dont call them from what i read, but take a look for  yourself

I recently paid off a debt with NCO and it took them 2 1/2months of me (see how the tables have turned) calling on a daily basis 2-3 times a day harrasing them trying to request a letter of satisfaction. They told me that they had emailed it automatically but when i would open my email it was encrypted and not sent as an attachement, and on other occasions i was  told that it was mailed out. I finally spoke with a manager and told her that i needed a letter faxed to me on a STAT basis and that i had already called X number of times because i needed it to open a buisness account. finally i did receive the fax but i am still waiting for the infamous letter to arrive by mail.....

on another note they were calling me b4 7:00 am and in most states it is against the law for any credit collection agency to call b4 8:00am and after 9:00pm...i finally told the guy over the phone that they were violating my rights under the Fair Credit Debt Act and that they needed to stop calling me 5-15 times a day because by nowthat was called harrasment! and he removed my telephone number from the system and i stoped receiving calls from them....

I have a student loan that is in default. It went to NCO for collections. I called and began the student loan rehab program. I have payed the amount of payments for my loans to get out of default but NCO now says my original lender will not take my loan back. Until they do my loans are still in default. Is all of this true? what do I do? thank you for the help

RE: rtroark  NCO owns your debt they are low life scumbags that thrive on peoples lack of knolage . Do not pay any more to them unless they give you a settlement offer in writeing that you agree to . Do not offer more than 20% . They only pay about 10% for your debt . If you have no assets and do not plan own owning anything for about 5 years the hell with them give them nothing . The statute of limitations is usualy close to that . Good Luck

hey am a collector and i have worked with three of the top CA in cailfornia ...if you have any receipts,bank statments etc etc showing that you made those paymnts on time as the agreement said.....the only way a settlemnt is good for you is if they are going to have it deleted frm ur credit rpt. A  lot of people make that mistake thinking that the settlment is the best way to go....well it is i mean saves money and all that BUT only if they delete cuz if not they will show it on ur credit rpt as "paid for less then legal amnt" am sure u might have seen that ...but yeah and the SOL (STATUTE OF LIMITATIONS) is just a window of time that they have to call you and mail you letters asking you to pay after that it is agsnt the law for them to contact you.....NOW that doesnt mean it aint going to be on your credit it will stay on it for 7 years ..... a few questions u can ask is 

1, do they own the debt  if they do they can offer whatever settlment they want..

2. will they delete if they can put it on ur credit they sould be able to take it off

3.letters make sure u ask for them mail or fax over any and ever letter they can for a paymnt (letter) for relese (letter) delete(letter)

4,ask me and ill tell u once again i am a colletor i have been for five years and i am still so

I want to speak to someone regarding an acct.

could you email me a phone  # to call

Thanks

obi