2013년 11월 29일 금요일

오후 11:39

By Anabel Buske

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About 'collection agency'|Prince Is Suing A Debt Collection Agency For $116,000







About 'collection agency'|Prince Is Suing A Debt Collection Agency For $116,000








Ｉ               ｔｈｉｎｋ               ｍｏｓｔ               ｏｆ               ｕｓ,               ｓｏｍｅｗｈｅｒｅ               ａｌｏｎｇ               ｔｈｅ               ｌｉｎｅ,               ｈａｖｅ               ｈａｄ               ｔｏ               ｄｅａｌ               ｗｉｔｈ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ,               ａｎｄ               ｉｔ'ｓ               ｎｅｖｅｒ               ａ               ｐｌｅａｓａｎｔ               ｅｘｐｅｒｉｅｎｃｅ,               ｔｏ               ｓａｙ               ｔｈｅ               ｌｅａｓｔ.

Ｓｏｍｅ               ａｒｅ               ｈｏｎｅｓｔ               ａｎｄ               ｌｅｇｉｔｉｍａｔｅ               ｏｎｅｓ,               ｂｕｔ               ｎｏｎｅｔｈｅｌｅｓｓ               ａｌｍｏｓｔ               ａｌｌ               ｕｓｅ               ｓｏｍｅ               ｆｏｒｍ               ｏｆ               ｓｃａｒｅ               ｔａｃｔｉｃｓ               ｔｏ               ｍａｋｅ               ａ               ｐｅｒｓｏｎ               ｐａｙ               ａｎ               ｏｌｄ,               ｏｕｔｓｔａｎｄｉｎｇ               ｄｅｂｔ.

Ｔｈｅ               ｓｃａｒｅ               ｔａｃｔｉｃｓ               ｕｓｅｄ               ｃａｎ               ｂｅ               ｆｒｏｍ               ｒｅｃｅｉｖｉｎｇ               ｒｅｐｅａｔｅｄ               ａｎｄ               ｃｏｎｓｔａｎｔ               ｌｅｔｔｅｒｓ               ｏｒ               ａｌｍｏｓｔ               ｄａｉｌｙ               ｐｈｏｎｅ               ｃａｌｌｓ               ｒｅｍｉｎｄｉｎｇ               ａ               ｐｅｒｓｏｎ               ｏｆ               ａ               ｏｌｄ,               ｐａｓｔ-ｄｕｅ               ｄｅｂｔ,               ｗｈｅｔｈｅｒ               ｉｔ               ｂｅ               ｆｒｏｍ               ａ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｙ,               ａ               ｌｏａｎ,               ａｎｄ               ｓｏ               ｆｏｒｔｈ               ａｎｄ               ｃａｎ               ｂｅ               ｆｏｒ               ａ               ｓｅｅｍｉｎｇｌｙ               ｓｍａｌｌ               ａｍｏｕｎｔ               ｔｏ               ｌａｒｇｅｒ               ｄｅｂｔｓ               ｒａｎｇｉｎｇ               ｉｎ               ｔｈｅ               ｔｈｏｕｓａｎｄｓ.

Ｉｎ               ａ               ｆｅｗ               ｃａｓｅｓ,               ｉｆ               ａ               ｐｅｒｓｏｎ               ｉｇｎｏｒｅｓ               ｔｈｅｓｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ,               ｓｏｏｎｅｒ               ｏｒ               ｌａｔｅｒ,               ａ               ｐｅｒｓｏｎ               ｍｉｇｈｔ               ｓｕｄｄｅｎｌｙ               ｆｉｎｄ               ｔｈｅｍｓｅｌｖｅｓ               ｇｅｔｔｉｎｇ               ａ               ｓｕｍｍｏｎｓ               ｔｏ               ａｐｐｅａｒ               ａｔ               ｃｏｕｒｔ               ｆｏｒ               ｓｏｍｅ               ｋｉｎｄ               ｏｆ               ｌｅｇａｌ               ｓｅｔｔｌｅｍｅｎｔ.

Ｂｏｔｈ               ｍｙ               ｎｏｗ               ｄｅｃｅａｓｅｄ               ｍｏｔｈｅｒ               ａｎｄ               Ｉ               ｈａｖｅ               ｈａｄ               ａ               ｎｕｍｂｅｒ               ｏｆ               ｒｕｎ-ｉｎｓ               ｗｉｔｈ               ｔｈｅｓｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ.

Ｐｒｉｏｒ               ｔｏ               ｍｙ               ｍｏｔｈｅｒ'ｓ               ｄｅａｔｈ,               ｓｈｅ               ｈａｄ               ａｍａｓｓｅｄ               ａ               ｔｏｔａｌ               ｄｅｂｔ               ｏｖｅｒ               $25,000.

Ｂｅｉｎｇ               ｔｈａｔ               ｓｈｅ               ｗａｓ               ｏｎ               ａ               ｆｉｘｅｄ               ｉｎｃｏｍｅ               ｏｆ               ｏｎｌｙ               ｒｅｃｅｉｖｉｎｇ               ａ               ｓｍａｌｌ               ｍｏｎｔｈｌｙ               ｐｅｎｓｉｏｎ               ａｎｄ               Ｓｏｃｉａｌ               Ｓｅｃｕｒｉｔｙ               ｂｅｎｅｆｉｔ,               ｔｈｅｒｅ               ｗａｓ               ｎｏ               ｗａｙ               ｍｙ               ｍｏｔｈｅｒ               ｃｏｕｌｄ               ｈａｖｅ               ｐａｉｄ               ｏｆｆ               ｔｈｅｓｅ               ｄｅｂｔｓ,               ｎｅｉｔｈｅｒ               ｄｉｄ               ｓｈｅ               ｈａｖｅ               ｔｈｅ               ｆｕｎｄｓ               ｔｏ               ｄｅｃｌａｒｅ               ｂａｎｋｒｕｐｔｃｙ.

Ｓｈｅ               ｄｉｄ               ａｔ               ｏｎｅ               ｔｉｍｅ,               ｃｏｎｓｕｌｔ               ａ               ｆｉｎａｎｃｉａｌ               ａｄｖｉｓｅｒ               ｗｈｏ               ｔｏｏｋ               ｈｅｒ               ｃａｒｅ               ｏｆ               ｈｅｒ               ｃａｓｅ               ａｎｄ               ｓｅｎｔ               ｏｕｔ               ｌｅｔｔｅｒｓ               ｔｏ               ａｌｌ               ｔｈｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｉｅｓ               ｉｎｖｏｌｖｅｄ               ｉｎ               ｔｒｙｉｎｇ               ｔｏ               ｒｅｔｒｉｅｖｅ               ｔｈｅ               ｏｌｄ               ｄｅｂｔｓ.

Ｔｈｉｓ               ｓｅｅｍｅｄ               ｔｏ               ｈｅｌｐ               ｔｈｅ               ｓｉｔｕａｔｉｏｎ               ａ               ｂｉｔ,               ｂｕｔ               ｎｏｔ               ｅｎｔｉｒｅｌｙ,               ａｓ               ｍｙ               ｍｏｔｈｅｒ               ｗａｓ               ｓｏｏｎ               ｈｏｕｎｄｅｄ               ａｇａｉｎ               ｂｙ               ｔｈｅｓｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｏｒ'ｓ,               ａｎｄ               ｔｈｅｙ               ｗｅｒｅ               ｎｅｖｅｒ               ｔｈｅ               ｓａｍｅ               ａｇｅｎｃｉｅｓ.

Ｉｔ               ｓｅｅｍｓ               ａｎｏｔｈｅｒ               ｔａｃｔｉｃ               ｏｆ               ｄｅｂｔ               ｃｏｌｌｅｃｔｏｒｓ               ｉｓ               ｔｏ               ｂｏｕｎｃｅ               ｔｈｅ               ｏｌｄ               ｄｅｂｔ               ａｒｏｕｎｄ,               ｆｉｒｓｔ               ｗｉｔｈ               ｏｎｅ               ａｇｅｎｃｙ,               ｔｈｅｎ               ｓｕｂｍｉｔ               ｉｔ               ｔｏ               ａｎｏｔｈｅｒ,               ｔｈｅｎ               ｙｅｔ               ａｎｏｔｈｅｒ               ａｇａｉｎ.

Ｔｈｉｓ               ｗｅｎｔ               ｏｎ               ｆｏｒ               ｙｅａｒｓ,               ａｎｄ               ｅａｃｈ               ｔｉｍｅ               ｍｙ               ｍｏｔｈｅｒ               ｋｅｐｔ               ｇｅｔｔｉｎｇ               ｌｅｔｔｅｒｓ               ａｎｄ/ｏｒ               ｐｈｏｎｅ               ｃａｌｌｓ               ｆｒｏｍ               ｔｈｅｓｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｏｒｓ.

Ｅａｃｈ               ｔｉｍｅ               ｓｈｅ               ｒｅｃｅｉｖｅｄ               ａｎｏｔｈｅｒ               ｌｅｔｔｅｒ,               Ｉ               ｗｒｏｔｅ               ｌｅｔｔｅｒｓ               ｂａｃｋ               ｔｏ               ｔｈｅｍ,               ｅｘｐｌａｉｎｉｎｇ               ｔｈｅ               ｓｉｔｕａｔｉｏｎ               ａｎｄ               ｒｅｆｅｒｒｅｄ               ｔｈｅｍ               ｔｏ               ｔｈｅ               ｆｉｎａｎｃｉａｌ               ａｄｖｉｓｅｒ               ｓｈｅ               ｈａｄ               ｃｏｎｔａｃｔｅｄ               ｆｏｒ               ｆｕｒｔｈｅｒ               ｒｅｆｅｒｅｎｃｅ               ｉｎ               ｔｈｅ               ｍａｔｔｅｒ,               ｈｏｗｅｖｅｒ,               ｔｈｅｙ               ｓｔｉｌｌ               ｈｏｕｎｄｅｄ               ｈｅｒ.
               Ｔｈｅｎ               ｍｙ               ｍｏｔｈｅｒ               ｐａｓｓｅｄ               ａｗａｙ               ｌｅａｖｉｎｇ               ｔｈｏｓｅ               ｄｅｂｔｓ               ｕｎｒｅｓｏｌｖｅｄ               ａｎｄ               ｕｎｐａｉｄ               ｆｏｒ.

Ｆｏｒｔｕｎａｔｅｌｙ               ａｓ               Ｉ               ｈａｄ               ｎｏ               ｌｅｇａｌ               ｏｂｌｉｇａｔｉｏｎ               ｗｈａｔｓｏｅｖｅｒ               ｔｏ               ｐａｙ               ｔｈｏｓｅ               ｄｅｂｔｓ               ｂａｃｋ               ｍｙｓｅｌｆ,               ａｎｄ               ｔｒｕｔｈ               ｂｅ               ｔｏｌｄ,               Ｉ               ｃｏｕｌｄｎ'ｔ               ｈａｖｅ               ｄｏｎｅ               ｓｏ               ｍｙｓｅｌｆ               ａｎｙｗａｙ               ａｓ               Ｉ               ａｍ               ａ               ｒｅｃｉｐｉｅｎｔ               ｏｆ               ＳＳＩ               Ｄｉｓａｂｉｌｉｔｙ               ｂｅｎｅｆｉｔｓ,               Ｉ               ｄｅａｌｔ               ｗｉｔｈ               ｔｈｅ               ｍａｔｔｅｒ               ｂｙ               ｓｉｍｐｌｙ               ｓｅｎｄｉｎｇ               ｃｏｐｉｅｓ               ｏｆ               ｈｅｒ               ｄｅａｔｈ               ｃｅｒｔｉｆｉｃａｔｅ               ｔｏ               ａｌｌ               ｉｎｖｏｌｖｅｄ,               ａｎｄ               ｗｉｔｈ               ｉｔ,               ａ               ｌｅｔｔｅｒ               ｔｅｌｌｉｎｇ               ｅａｃｈ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｔｈａｔ               ｗｉｔｈ               ｔｈｅ               ｐａｓｓｉｎｇ               ｏｆ               ｍｙ               ｍｏｔｈｅｒ,               ｔｈｅｒｅ               ｗａｓ               ｎｏ               ｆｕｒｔｈｅｒ               ｏｂｌｉｇａｔｉｏｎ               ｉｎ               ｔｈｅ               ｐａｙｍｅｎｔ               ｏｆ               ｈｅｒ               ｄｅｂｔｓ.

Ｍｏｓｔ               ｗｅｒｅ               ａｃｃｏｍｍｏｄａｔｉｎｇ               ａｎｄ               ｌｅｆｔ               ｍｅ               ａｌｏｎｅ...ｂｕｔ               ａｓ               ｙｏｕ               ｃａｎ               ｇｕｅｓｓ               ｓｏｍｅ               ｗｅｒｅｎ'ｔ.

Ｉ               ｋｅｐｔ               ｇｅｔｔｉｎｇ               ｈｏｕｎｄｅｄ               ｂｙ               ｏｎｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｔｉｍｅ               ａｎｄ               ｔｉｍｅ               ａｇａｉｎ...ｔｈｅｙ               ｊｕｓｔ               ｗｏｕｌｄｎ'ｔ               ｌｅｔ               ｕｐ.

Ｗｈｅｎ               Ｉ               ｅｘｐｌａｉｎｅｄ               ｔｈｅ               ｓｉｔｕａｔｉｏｎ               ｔｏ               ｔｈｅｍ               ｖｉａ               ａ               ｐｈｏｎｅ               ｃａｌｌ,               Ｉ               ｗａｓ               ｔｏｌｄ               ｔｏ               ｓｅｎｄ               ａ               ｃｏｐｙ               ｏｆ               ｍｙ               ｍｏｔｈｅｒ'ｓ               ｄｅａｔｈ               ｃｅｒｔｉｆｉｃａｔｅ.

Ｗｅｌｌ               Ｉ               ｈａｄ               ａｌｒｅａｄｙ               ｄｏｎｅ               ｔｈａｔ,               ｂｕｔ               ｓｅｎｔ               ａｎｏｔｈｅｒ               ｏｎｅ               ｔｏ               ｔｈｅｍ               ａｎｙｗａｙ.

Ｔｈｅｎ               ａ               ｍｏｎｔｈ               ｐａｓｓｅｄ               ｂｙ,               ａｎｄ               Ｉ               ｇｅｔ               ａｎｏｔｈｅｒ               ｐｈｏｎｅ               ｃａｌｌ               ｉｎ               ｗｈｉｃｈ               Ｉ               ｈａｄ               ｔｏ               ｅｘｐｌａｉｎ               ｔｈｅ               ｗｈｏｌｅ               ｓｉｔｕａｔｉｏｎ               ａｌｌ               ｏｖｅｒ               ａｇａｉｎ,               ａｎｄ               ｍｉｎｄ               ｙｏｕ               ｔｏ               ｔｈｅ               ｖｅｒｙ               ｓａｍｅ               ｐｅｒｓｏｎ.

Ｉ               ｗａｓ               ｔｏｌｄ               ｔｈｅｙ               ｎｅｖｅｒ               ｒｅｃｅｉｖｅｄ               ｔｈｅ               ｄｅａｔｈ               ｃｅｒｔｉｆｉｃａｔｅ...ｃｏｕｌｄ               Ｉ               ｐｌｅａｓｅ               ｓｅｎｄ               ａｎｏｔｈｅｒ               ｏｎｅ.

Ｓｏ               ｙｅｓ,               Ｉ               ｓｅｎｔ               ａ               ｔｈｉｒｄ               ｏｎｅ               ｔｏ               ｔｈｅｍ.

Ａｎｏｔｈｅｒ               ｍｏｎｔｈ               ｐａｓｓｅｓ,               ａｎｄ               Ｉ               ｇｅｔ               ａｎｏｔｈｅｒ               ｐｈｏｎｅ               ｃａｌｌ,               ｔｈｉｓ               ｔｉｍｅ               ｆｒｏｍ               ａ               ｌａｗｙｅｒ               ｒｅｐｒｅｓｅｎｔｉｎｇ               ｔｈｅ               ａｇｅｎｃｙ.

Ｏｎｃｅ               ｍｏｒｅ               Ｉ               ｈａｄ               ｔｏ               ｅｘｐｌａｉｎ               ｔｈｅ               ｗｈｏｌｅ               ｃｉｒｃｕｍｓｔａｎｃｅ               ａｌｌ               ｏｖｅｒ               ａｇａｉｎ,               ａｎｄ               ｔｏｌｄ               ｔｈｅ               ｌａｗｙｅｒ               ｔｈａｔ               Ｉ'ｖｅ               ｓｅｎｔ               ａ               ｔｏｔａｌ               ｏｆ               ｔｈｒｅｅ               ｄｅａｔｈ               ｃｅｒｔｉｆｉｃａｔｅｓ               ｔｏ               ｔｈｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ.

Ｔｈｅ               ｌａｗｙｅｒ               ａｓｋｅｄ               ｍｅ               ｔｏ               ｓｅｎｄ               ａ               ｃｏｐｙ               ｔｏ               ｈｅｒ,               ｗｈｉｃｈ,               ｙｅｓ               ａｓ               ｙｏｕ               ｃａｎ               ｇｕｅｓｓ,               ｏｎｃｅ               ａｇａｉｎ               Ｉ               ｓｅｎｔ               ａ               ｃｏｐｙ               ｏｆ               ｔｈｅ               ｃｅｒｔｉｆｉｃａｔｅ               ａｎｄ               Ｉ'ｍ               ｈｏｐｉｎｇ               ｔｈａｔ               ｆｉｎａｌｌｙ               ｓｅｔｔｌｅｓ               ｔｈｅ               ｍａｔｔｅｒ               ａｓ               ｓｏ               ｆａｒ               Ｉ               ｈａｖｅｎ'ｔ               ｈｅａｒｄ               ｆｒｏｍ               ｔｈｅ               ｌａｗｙｅｒ               ａｇａｉｎ.
               Ｎｏｗ               Ｉ               ｗｉｓｈ               ｔｏ               ｒｅｌａｔｅ               ｍｙ               ｏｗｎ               ｐｅｒｓｏｎａｌ               ｒｕｎ-ｉｎｓ               ａｎｄ               ｓｔｏｒｙ               ｏｆ               ｏｎｅ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｉｎ               ｐａｒｔｉｃｕｌａｒ,               ｔｈａｔ               ｉｓ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ               Ｓｙｓｔｅｍｓ,               ａｎｄ               ａｎｄ               ａｇｅｎｃｙ               ｔｈａｔ               ｉｓ               ｒｅｌｅｎｔｌｅｓｓ               ａｎｄ               ｒｅａｌｌｙ               ｄｏｅｓｎ'ｔ               ｋｎｏｗ               ｗｈｅｎ               ｔｏ               ｇｉｖｅ               ｕｐ.

Ｔｈｅ               ｒｅａｌ               ｉｎｔｅｒｅｓｔｉｎｇ               ｔｈｉｎｇ               ａｂｏｕｔ               ｔｈｉｓ               ｐａｒｔｉｃｕｌａｒ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ,               ｉｓ               ｔｈａｔ               Ｉ               ｈａｖｅ               ｓｉｎｃｅ               ｆｏｕｎｄ               ｏｕｔ               ｉｓ               ｃｏｎｓｉｄｅｒｅｄ               ｏｎｅ               ｏｆ               ｔｈｅ               ｂｉｇｇｅｓｔ               ｓｃａｍ               ａｇｅｎｃｉｅｓ               ｇｏｉｎｇ.

Ｐｒｉｏｒ               ｔｏ               ｍｙ               ｍｏｔｈｅｒ'ｓ               ｄｅａｔｈ               ｉｎ               2006,               Ｉ               ｕｓｅｄ               ｔｏ               ｈａｖｅ               ＡＴ&Ｔ               ａｓ               ｍｙ               ｐｈｏｎｅ               ｃｏｍｐａｎｙ.

Ｗｉｔｈｉｎ               ａ               ｍｏｎｔｈ               ａｆｔｅｒ               ｓｈｅ               ｐａｓｓｅｄ               ａｗａｙ,               Ｉ               ｄｅｃｉｄｅｄ               ｔｏ               ｓｗｉｔｃｈ               ｐｈｏｎｅ               ｃｏｍｐａｎｉｅｓ,               ｂｕｔ               Ｉ               ｄｉｄ               ｓｔｉｌｌ               ｈａｖｅ               ａｎ               ｏｌｄ               ｏｕｔｓｔａｎｄｉｎｇ               ｂｉｌｌ               ｗｉｔｈ               ＡＴ&Ｔ               ｆｏｒ               ｏｎｌｙ               ａｂｏｕｔ               $100.00.

Ｕｐｏｎ               ｇｅｔｔｉｎｇ               ｎｏｔｉｃｅｓ               ｆｒｏｍ               ＡＴ&Ｔ               Ｉ               ｄｉｄ               ｔｒｙ               ｔｏ               ｒｅｓｏｌｖｅ               ｔｈｅ               ｉｓｓｕｅ,               ｄｉｒｅｃｔｌｙ               ｗｉｔｈ               ｔｈｅｍ               ａｎｄ               ｅｘｐｌａｉｎｅｄ               ｔｈａｔ               Ｉ               ｊｕｓｔ               ｐｌａｉｎ               ｗａｓｎ'ｔ               ａｂｌｅ               ｔｏ               ｐａｙ               ｔｈｅ               ｄｅｂｔ,               ｎｏｔ               ｅｖｅｎ               ｏｎ               ｓｏｍｅ               ｋｉｎｄ               ｏｆ               ｉｎｓｔａｌｌｍｅｎｔ               ｐｌａｎ               ｄｕｅ               ｔｏ               ｍｙ               ｏｗｎ               ｌｏｗ               ｍｏｎｔｈｌｙ               ＳＳＩ               ｂｅｎｅｆｉｔｓ...ｉｎ               ｐｌａｉｎ               Ｅｎｇｌｉｓｈ,               Ｉ               ｊｕｓｔ               ｃｏｕｌｄｎ'ｔ.

Ａ               ｆｅｗ               ｍｏｎｔｈｓ               ｗｅｎｔ               ｂｙ               ａｎｄ               Ｉ               ｈｅａｒｄ               ｎｏｔｈｉｎｇ               ｆｕｒｔｈｅｒ               ｆｒｏｍ               ｔｈｅｍ,               ｂｕｔ               ｔｈｅｎ               Ｉ               ｓｔａｒｔｅｄ               ｇｅｔｔｉｎｇ               ｌｅｔｔｅｒｓ               ｆｒｏｍ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ               Ｓｙｓｔｅｍｓ,               Ｉｎｃ.

Ｙｅｓ,               ａ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ,               ａｎｄ               ｆｏｒ               ｔｈｅ               ｏｌｄ               ＡＴ&Ｔ               ｂｉｌｌ.

Ｄｏｎ'ｔ               ａｓｋ               ｈｏｗ               ｍａｎｙ               ｔｉｍｅｓ               Ｉ               ｄｉｄ               ｃａｌｌ               ｔｈｅｍ               ａｎｄ               ｅｘｐｌａｉｎｅｄ               ｔｈｅ               ｓｉｔｕａｔｉｏｎ               ｔｏ               ｔｈｅｍ...Ｉ               ｓａｉｄ               Ｉ               ｊｕｓｔ               ｃｏｕｌｄｎ'ｔ               ｐａｙ               ｔｈｅ               ｂｉｌｌ,               ａｎｄ               ｉｔ               ｗａｓｎ'ｔ               ａｓ               ｉｆ               Ｉ               ｏｗｅｄ               ｔｈｏｕｓａｎｄｓ               ｔｏ               ｂｅ               ｐｅｓｔｅｒｅｄ               ｓｏ               ｍｕｃｈ               ｂｙ               ｔｈｅｍ...ｔｈｅｙ               ｊｕｓｔ               ｗｏｕｌｄｎ'ｔ               ｇｉｖｅ               ｕｐ,               ｂｕｔ               ｆｉｎａｌｌｙ               ｔｈｅｙ               ｓｅｅｍｉｎｇｌｙ               ｄｉｄ.

Ｓｏ               ａｌｍｏｓｔ               ａ               ｆｕｌｌ               ｙｅａｒ               ｐａｓｓｅｄ               ｗｉｔｈｏｕｔ               ｈｅａｒｉｎｇ               ｆｒｏｍ               ｔｈｅｍ               ａｇａｉｎ,               ｔｈａｔ               ｉｓ               ｕｎｔｉｌ               ｊｕｓｔ               ａ               ｍｏｎｔｈ               ａｇｏ               ｗｈｅｎ               Ｉ               ｇｏｔ               ａ               ｌｅｔｔｅｒ               ｆｒｏｍ               ｔｈｅｍ.

Ｔｈｅｎ               Ｉ               ｓｔａｒｔｅｄ               ｔｏ               ｇｅｔ               ｔｈｅ               ｐｈｏｎｅ               ｃａｌｌｓ               ｏｆ               ｗｈｉｃｈ               ｑｕｉｔｅ               ｆｒａｎｋｌｙ               Ｉ'ｖｅ               ｉｇｎｏｒｅｄ,               ｔｈｏｕｇｈ               Ｉ'ｖｅ               ｓｉｎｃｅ               ｗｒｉｔｔｅｎ               ａ               ｌｅｔｔｅｒ               ｂａｃｋ.
               Ａ               ｆｅｗ               ｅｖｅｎｉｎｇｓ               ａｇｏ,               ｗｉｔｈ               ｔｈｅ               ｌｅｔｔｅｒ               ａｎｄ               ｐｈｏｎｅ               ｃａｌｌｓ               ｉｎ               ｍｉｎｄ,               Ｉ               ｄｅｃｉｄｅｄ               ｔｏ               ｇｏ               ｔｏ               ｔｈｅｉｒ               ｗｅｂｓｉｔｅ               ａｔ               ｗｗｗ.ｎｃｏｆｉｎａｎｃｉａｌ.ｃｏｍ               ａｎｄ               ｐｅｒｈａｐｓ               ａｌｓｏ               ｅｍａｉｌ               ｔｈｅｍ.

Ｈｏｗｅｖｅｒ,               ｕｐｏｎ               ｇｏｉｎｇ               ｏｎ               ｔｈｅｉｒ               ｗｅｂｓｉｔｅ,               ｉｔ               ａｓｋｅｄ               ｔｈａｔ               Ｉ               ｒｅｇｉｓｔｅｒ               ｂｙ               ｓｕｂｍｉｔｔｉｎｇ               ｔｈｅ               "ｃｏｄｅ"               Ｉ               ｗａｓ               ｇｉｖｅｎ               ｉｎ               ｔｈｅｉｒ               ｌｅｔｔｅｒ               ｔｏ               ｍｅ,               ｏｆ               ｗｈｉｃｈ               Ｉ               ｄｉｄ.

Ａｎｏｔｈｅｒ               ｐａｇｅ               ｔｈｅｎ               ｃａｍｅ               ｕｐ               ａｓｋｉｎｇ               ｍｅ               ｔｏ               ｓｕｂｍｉｔ               ｍｙ               Ｓｏｃｉａｌ               Ｓｅｃｕｒｉｔｙ               ｎｕｍｂｅｒ.

Ｌｉｔｔｌｅ               ｒｅｄ               ｆｌａｇｓ               ａｎｄ               ａｌａｒｍｓ               ｗｅｎｔ               ｏｆｆ,               ａｓ               Ｉ               ｔｈｏｕｇｈｔ               ｔｈｉｓ               ｗａｓ               ｕｎｕｓｕａｌ               ｔｏ               ｂｅ               ａｓｋｅｄ               ｏｎｅ'ｓ               Ｓｏｃｉａｌ               Ｓｅｃｕｒｉｔｙ               ｎｕｍｂｅｒ,               ｉｎ               ｏｔｈｅｒ               ｗｏｒｄｓ               ｉｔ               ｊｕｓｔ               ｄｉｄｎ'ｔ               ｓｅｅｍ               ｒｉｇｈｔ               ｓｏｍｅｈｏｗ.

Ｓｏ               ｔｈｅｎ               ｓｔａｒｔｅｄ               ｄｏｉｎｇ               ｓｅａｒｃｈｅｓ               ｏｎ               ｔｈｅ               ｗｅｂ               ｆｏｒ               ａｎｙ               ｎｅｗｓ               ａｂｏｕｔ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ               Ｓｙｓｔｅｍｓ,               ａｎｄ               Ｉ               ｗａｓ               ａｍａｚｅｄ               ａｔ               ｗｈａｔ               Ｉ               ｆｏｕｎｄ,               ｐａｒｔｉｃｕｌａｒｌｙ               ｗｉｔｈ               ｔｈｅ               ｗｅｂｓｉｔｅ               ｋｎｏｗｎ               ａｓ               ＲｉｐＯｆｆ               Ｒｅｐｏｒｔ               (ｈｔｔｐ://ｗｗｗ.ｒｉｐｏｆｆｒｅｐｏｒｔ.ｃｏｍ).

Ｏｎ               ｔｈｉｓ               ｗｅｂｓｉｔｅ,               ａｒｅ               ａ               ｓｅｒｉｅｓ               ｏｆ               ｃｏｍｐｌａｉｎｔｓ               ａｇａｉｎｓｔ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ.

Ｉｔ               ｓｅｅｍｓ               ｔｈａｔ               ｔｈｉｓ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｎｏｔ               ｏｎｌｙ               ｇｏｅｓ               ａｆｔｅｒ               ｐｅｏｐｌｅ               ｗｈｏ               ｍｉｇｈｔ               ｈａｖｅ               ｌｅｇｉｔｉｍａｔｅ               ｏｖｅｒ/ｐａｓｔ-ｄｕｅ               ｂｉｌｌｓ,               ｂｕｔ               ｈｏｕｎｄ               ｐｅｏｐｌｅ               ｗｉｔｈ               "ｍａｄｅ-ｕｐ"               ｏｖｅｒ-ｄｕｅ               ｂｉｌｌｓ,               ｍｏｓｔ               ｃｏｍｍｏｎｌｙ               ｗｉｔｈ               Ａｍｅｒｉｃａ               Ｏｎ-ｌｉｎｅ,               Ｉｎｃ.(1),               ｂｕｔ               ａｃｔｕａｌｌｙ               ｗｉｔｈ               ｍａｎｙ               ｏｔｈｅｒ               ｃｏｍｐａｎｉｅｓ               ｏｒ               ｏｒｇａｎｉｚａｔｉｏｎｓ               ａｓ               ｗｅｌｌ               ｅｓｐｅｃｉａｌｌｙ               ｃｒｅｄｉｔ               ｃａｒｄ               ｃｏｍｐａｎｉｅｓ,               ｂｕｔ               ｃａｎ               ａｌｓｏ               ｂｅ               ｆｏｒ               ｆｏｒ               ｂｉｌｌｓ               ｔｈａｔ               ｏｎｅ               ｍａｙ               ｈａｖｅ               ａｌｒｅａｄｙ               ｐａｉｄ               ｌｏｎｇ               ｔｉｍｅ               ａｇｏ.

Ｉｎ               ｏｎｅ               ｒｅｐｏｒｔ               ａｇａｉｎｓｔ               ｔｈｅｍ               ａｔ               ｔｈｅ               ＲｉｐＯｆｆ               Ｒｅｐｏｒｔ               ｗｅｂｓｉｔｅ,               ａ               ｐｅｒｓｏｎ               ｃｏｍｐｌａｉｎｅｄ               ｔｈａｔ               ｔｈｅｙ               ｗｅｒｅ               ｂｅｉｎｇ               ｈｏｕｎｄｅｄ               ｆｏｒ               ａ               ｂｉｌｌ               ｔｈｅｙ               ｈａｄ               ａｌｒｅａｄｙ               ｐａｉｄ               ｆｏｒ               ｉｎ               ｆｕｌｌ,               ａｎｄ               ｔｈｅ               ｏｌｄ               ｂｉｌｌ               ｗｅｎｔ               ｂａｃｋ               ｔｏ               1988!

(2)
               Ａｃｃｏｒｄｉｎｇ               ｔｏ               ｔｈｅ               ｒｅｐｏｒｔｓ               ｉｎ               ｔｈｅ               ＲｉｐＯｆｆ               Ｒｅｐｏｒｔｓ,               ｔｈｅｙ               ｓｕｇｇｅｓｔ               ｎｏｔ               ｇｅｔｔｉｎｇ               ｉｎ               ｃｏｎｔａｃｔ               ｗｉｔｈ               ＮＣＯ               ａｎｄ               ｐａｒｔｉｃｕｌａｒｌｙ               ｎｏｔ               ｔｏ               ｄｉｓｃｌｏｓｅ               ａｎｙ               ｉｎｆｏｒｍａｔｉｏｎ               ａｔ               ｔｈｅｉｒ               ｗｅｂｓｉｔｅ,               ａｓ               ａ               ｐｅｒｓｏｎ               ｗｉｌｌ               ｂｅ               ｓｕｂｊｅｃｔ               ｔｏ               ｓｐｙｗａｒｅ,               ｗｈｉｃｈ               ｗｉｌｌ               ｎｏｔ               ｏｎｌｙ               ｉｎｆｅｃｔ               ｏｎｅ'ｓ               ｃｏｍｐｕｔｅｒ               ｂｕｔ               ｗｉｌｌ               ｖａｌｉｄａｔｅ               ｏｎｅ'ｓ               ｄｅｂｔ               ｔｏ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ,               ｗｈｅｔｈｅｒ               ｌｅｇｉｔｉｍａｔｅ               ｏｒ               ｎｏｔ...ａｎｄ               ａｌｌ               Ｉ               ｃａｎ               ｓａｙ               ｔｏ               ｔｈａｔ,               ｉｓ               ｔｈａｔ               Ｉ'ｍ               ｇｌａｄ               ｔｈａｔ               ｒｅｄ               ｆｌａｇ               ａｎｄ               ａｌａｒｍｓ               ｗｅｎｔ               ｏｆｆ               ｉｎｓｉｄｅ               ｍｅ               ａｎｄ               Ｉ               ｄｉｄｎ'ｔ               ｇｉｖｅ               ｏｕｔ               ｍｙ               Ｓｏｃｉａｌ               Ｓｅｃｕｒｉｔｙ               ｎｕｍｂｅｒ.

Ｔｈｅ               ＲｉｐＯｆｆ               Ｒｅｐｏｒｔｓ               ｗｅｂｓｉｔｅ               ａｌｓｏ               ｓｕｇｇｅｓｔｅｄ               ｔｈａｔ               ｉｆ               ａｎｙｏｎｅ               ｇｅｔｓ               ｌｅｔｔｅｒｓ               ａｎｄ/ｏｒ               ｐｈｏｎｅ               ｃａｌｌｓ               ｆｒｏｍ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ               Ｓｙｓｔｅｍｓ,               ｔｏ               ｆｉｌｅ               ａ               ｃｏｍｐｌａｉｎｔ               ｗｉｔｈ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｔｒａｄｅ               Ｃｏｍｍｉｓｓｉｏｎ               (ＦＴＣ),               ｏｆ               ｗｈｉｃｈ               Ｉ               ａｌｒｅａｄｙ               ｈａｖｅ               ｄｏｎｅ               ｓｏ.

Ｉｔ               ｓｅｅｍｓ               ｔｈａｔ               ｗｒｉｔｉｎｇ               ｌｅｔｔｅｒｓ               ｏｒ               ｍａｋｉｎｇ               ｐｈｏｎｅ               ｃａｌｌｓ               ｂａｃｋ               ｔｏ               ｔｈｉｓ               ｃｏｌｌｅｃｔｉｏｎ               ａｇｅｎｃｙ               ｄｏｅｓｎ'ｔ               ｓｏｌｖｅ               ｔｈｅ               ｐｒｏｂｌｅｍ...ａｓ               ｔｈｅｙ               ｗｉｌｌ               ｋｅｅｐ               ａｆｔｅｒ               ａ               ｐｅｒｓｏｎ               ｔｉｍｅ               ａｎｄ               ｔｉｍｅ               ａｇａｉｎ,               ｓｏ               ｔｈｅ               ｂｅｓｔ               ｃｏｕｒｓｅ               ｏｆ               ａｃｔｉｏｎ               ｉｓ               ｔｏ               ｃｏｍｐｌａｉｎ               ｔｏ               ｔｈｅ               ＦＴＣ.

Ａｌｓｏ,               ａｔ               ａｎｏｔｈｅｒ               ｗｅｂｓｉｔｅ               ｔｈａｔ               ｇａｖｅ               ｉｎｆｏｒｍａｔｉｏｎ               ａｂｏｕｔ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ,               ｉｔ               ｃｌｅａｒｌｙ               ｓｔａｔｅｓ               ＮＯＴ               ｔｏ               ｓｅｎｄ               ＮＣＯ               ｏｎｅ               ｐｅｎｎｙ               ｔｏ               ｔｈｅｍ               ａｓ               ｉｔ               ｓｕｇｇｅｓｔｓ               ｔｈａｔ               ｔｈｅ               ｍｏｎｅｙ               ｏｎｌｙ               ｇｏｅｓ               ｔｏ               ｔｈｅｍ,               ａｎｄ               ｎｏｔ               ｔｏ               ｔｈｅ               ｏｒｉｇｉｎａｌ               ｐｌａｃｅ               ｏｒ               ｏｒｉｇｉｎ               ｏｆ               ｔｈｅ               ｄｅｂｔ               ｉｔｓｅｌｆ.(3)
               Ｓｏ               ｆａｒ               Ｉ               ｈａｖｅｎ'ｔ               ｂｅ               ｐｅｓｔｅｒｅｄ               ｔｏｏ               ｍｕｃｈ               ｙｅｔ               ｂｙ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ,               ａｌｔｈｏｕｇｈ               Ｉ               ｓｕｓｐｅｃｔ               ｔｈａｔ               ｏｆｔｅｎ               ｗｈｅｎ               ｍｙ               ｐｈｏｎｅ               ｒｉｎｇｓ               ａｎｄ               ｍｙ               ａｎｓｗｅｒｉｎｇ               ｍａｃｈｉｎｅ               ｇｏｅｓ               ｏｆｆ,               ｔｈｅｎ               ｇｅｔ               "ｈａｎｇ-ｕｐｓ"               ｉｔ'ｓ               ｔｈｅｍ               ｃａｌｌｉｎｇ               ｂｕｔ               ｎｏｔ               ｂｏｔｈｅｒｉｎｇ               ｔｏ               ｌｅａｖｅ               ａｎｙ               ｍｅｓｓａｇｅｓ               ｆｒｏｍ               ｔｈｅｍ,               ａｓ               Ｉ               ｏｎｌｙ               ｓｔａｒｔｅｄ               ｇｅｔｔｉｎｇ               ｔｈｉｓ               ｏｎ               ａ               ｄａｉｌｙ               ｂａｓｉｓ               ｓｏｏｎ               ａｆｔｅｒ               ｔｈａｔ               ｆｉｒｓｔ               ｐｈｏｎｅ               ｃａｌｌ               ｗｈｅｒｅ               ｔｈｅｙ               ｄｉｄ               ｌｅａｖｅ               ａ               ｍｅｓｓａｇｅ.

Ｉ               ｄｏ,               ｈｏｗｅｖｅｒ               ｈａｐｐｅｎ               ｔｏ               ｋｎｏｗ               ａ               ｐｅｒｓｏｎ               ｗｈｏ               ｈａｓ               ｂｅｅｎ               ｒｅｐｅａｔｅｄｌｙ               ａｎｄ               ｓｅｒｉｏｕｓｌｙ               ｈａｒａｓｓｅｄ               ｂｙ               ｔｈｅｍ,               ｇｅｔｔｉｎｇ               ａｂｏｕｔ               ｔｈｒｅｅ               ｌｅｔｔｅｒｓ               ａ               ｗｅｅｋ               ａｎｄ               ｕｐ               ｔｏ               ｆｉｖｅ               ｓｅｐａｒａｔｅ               ｐｈｏｎｅ               ｃａｌｌｓ               ａ               ｄａｙ,               ｙｅｓ,               ａ               ｄａｙ.

Ｉｎ               ｓｕｃｈ               ａ               ｃａｓｅ,               ｉｆ               ｏｎｅ               ｉｓ               ｈａｒａｓｓｅｄ               ｉｎ               ｓｕｃｈ               ａ               ｍａｎｎｅｒ,               ｉｔ               ｉｓ               ｓｕｇｇｅｓｔｅｄ               ｔｈａｔ               ｏｎｅ               ｂｅ               ｍａｄｅ               ａｗａｒｅ               ｏｆ               ｔｈｅ               Ｆａｉｒ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｉｏｎｓ               Ａｃｔ,               ｏｆ               ｗｈｉｃｈ               ｔｈｅｒｅ               ａｒｅ               ｎｕｍｅｒｏｕｓ               ｗｅｂｓｉｔｅｓ               ｏｎｅ               ｃａｎ               ｌｏｇ               ｏｎｔｏ               ｔｏ               ｋｎｏｗ               ｏｎｅ'ｓ               ｒｉｇｈｔｓ,               ａｎｄ               ａｇａｉｎ,               ｉｔ               ｉｓ               ｕｒｇｅｎｔ               ｔｏ               ｇｅｔ               ｉｎ               ｔｏｕｃｈ               ｗｉｔｈ               ｔｈｅ               Ｆｅｄｅｒａｌ               Ｔｒａｄｅ               Ｃｏｍｍｉｓｓｉｏｎ               ａｂｏｕｔ               ｔｈｅ               ｕｎｓａｖｏｒｙ               ｐｒａｃｔｉｃｅｓ               ｏｆ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ               Ｓｙｓｔｅｍｓ,               Ｉｎｃ.

Ｈｏｐｅｆｕｌｌｙ,               ｏｎｃｅ               ｄｏｎｅ,               ｔｈａｔ               ｓｈｏｕｌｄ               ｂｅ               ｔｈｅ               ｅｎｄ               ｏｆ               ａｎｙ               ｆｕｒｔｈｅｒ               ｈａｒａｓｓｍｅｎｔ               ｂｙ               ｎｏｔ               ｏｎｌｙ               ｔｈｉｓ               ｄｅｂｔ               ｃｏｌｌｅｃｔｉｏｎ               ｃｏｍｐａｎｙ,               ｂｕｔ               ａｎｙ               ｃｏｍｐａｎｙ               ｔｈａｔ               ｃｏｎｔｉｎｕａｌｌｙ               ｈａｒａｓｓｅｓ               ａ               ｐｅｒｓｏｎ               ｒｅｌｅｎｔｌｅｓｓｌｙ.
               ＲｉｐＯｆｆ               Ｒｅｐｏｒｔｓ               ａｎｄ               Ｏｔｈｅｒ               Ｗｅｂｓｉｔｅｓ               Ａｂｏｕｔ               ＮＣＯ               Ｆｉｎａｎｃｉａｌ               Ｓｙｓｔｅｍｓ,               Ｉｎｃ
               (1)               
               ｈｔｔｐ://ｗｗｗ.ｒｉｐｏｆｆｒｅｐｏｒｔ.ｃｏｍ/ｒｅｐｏｒｔｓ/0/279/ＲｉｐＯｆｆ0279287.ｈｔｍ
               (2)               
               ｈｔｔｐ://ｗｗｗ.ｒｉｐｏｆｆｒｅｐｏｒｔ.ｃｏｍ/ｓｅａｒｃｈｒｅｓｕｌｔｓ.ａｓｐ?ｑ5=ＮＣＯ%20Ｆｉｎａｎｃｉａｌ&ｑ1               
               =ＡＬＬ&ｑ4=&ｑ6=&ｑ3=&ｑ2=&ｑ7=&ｓｅａｒｃｈｔｙｐｅ=0&ｓｕｂｍｉｔ2=Ｓｅａｒｃｈ%21&Ｓｅａｒｃｈ=Ｓｅａｒｃｈ
               (3)
               ｈｔｔｐ://ｗｗｗ.ｅｔｈａｎｎｏｎｓｅｑｕｉｔｕｒ.ｃｏｍ/ｎｃｏ-ｆｉｎａｎｃｉａｌ-ｓｙｓｔｅｍｓ.ｈｔｍｌ
               Ｆａｉｒ               Ｄｅｂｔ               Ｃｏｌｌｅｃｔｉｏｎ               Ａｃｔ
               ｈｔｔｐ://ｗｗｗ.ｆａｉｒ-ｄｅｂｔ-ｃｏｌｌｅｃｔｉｏｎ.ｃｏｍ/ｆａｉｒ-ｄｅｂｔ-ａｃｔ.ｈｔｍｌ
               ｈｔｔｐ://ｗｗｗ.ｆｄｉｃ.ｇｏｖ/ｒｅｇｕｌａｔｉｏｎｓ/ｌａｗｓ/ｒｕｌｅｓ/6500-1300.ｈｔｍｌ






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