레이블이 Bad Debt Collection Agency인 게시물을 표시합니다. 모든 게시물 표시
레이블이 Bad Debt Collection Agency인 게시물을 표시합니다. 모든 게시물 표시

2013년 11월 29일 금요일

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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    2013년 11월 26일 화요일

    About 'bad debt meaning'|... and pension plans. (This means that there is no demand for...Denninger said the real amount of bad debts is probably 30 trillion ...







    About 'bad debt meaning'|... and pension plans. (This means that there is no demand for...Denninger said the real amount of bad debts is probably 30 trillion ...








    After               working               a               horrible               food               service               job               that               didn't               pay               enough               to               make               ends               meet,               I               found               myself               buried               under               a               huge               pile               of               credit               card               debt               that               I               thought               I               would               never               be               able               to               pay               off.

    I               decided               to               consolidate               my               credit               card               debt               and               force               myself               to               pay               it               off               in               one               year.

    I               can't               even               begin               to               tell               you               how               amazing               it               feels               to               be               out               from               under               that               credit               card               debt               so               I               want               to               share               with               you               how               you               can               work               towards               freeing               yourself               from               credit               card               debt               and               have               that               same               feeling               of               freedom               for               yourself.

    How               Much               Credit               Card               Debt               Do               You               Have?


                   The               first               step               to               getting               yourself               out               of               credit               card               debt               is               to               take               inventory               of               your               credit               cards.

    Create               an               Excel               spreadsheet               with               a               column               for:               name               of               the               credit               card,               amount               you               still               owe,               and               your               interest               rate.

    Make               an               extra               row               at               the               bottom               for               the               total               of               the               amounts               that               you               still               owe.
                   Request               Lower               Interest               Rate               
                   If               you               only               have               one               or               two               credit               cards               carrying               a               balance               on               them               and               you               make               your               payments               regularly               you               might               want               to               request               a               lower               interest               rate               from               the               credit               card               providers.

    Over               15%               interest               is               too               much               to               be               paying               in               interest               and               most               of               my               cards               were               running               at               about               22%.

    If               you               cannot               get               your               banks               to               reduce               your               interest               amount               by               a               substantial               amount               or               you               have               multiple               cards               that               make               it               difficult               to               pay               each               minimum               payment               you               will               probably               want               to               consolidate               your               credit               card               debt               to               one               credit               card.
                   Consolidating               to               One               Credit               Card               
                   I               have               read               some               articles               that               say               that               consolidating               your               credit               card               debt               down               to               one               card               is               a               bad               idea,               but               this               is               a               method               that               I               have               used               myself               and               successfully               got               completely               out               of               debt               within               a               matter               of               months               after               doing               so.

    Shop               around               for               a               good               credit               card               with               the               lowest               interest               rate               you               can               find.

    If               you               bank               with               a               credit               union               they               should               be               able               to               get               you               a               really               good               interest               rate               and               if               you               are               lucky               you               might               end               up               getting               6               months               to               a               year               without               interest               meaning               that               around               $20               more               of               each               payment               you               make               will               go               directly               to               your               debt               and               not               to               paying               interest.

    I               was               able               to               indicate               the               exact               amount               I               wanted               my               card               for               so               I               rounded               up               my               total               credit               card               debt               to               the               nearest               hundred               and               transferred               all               of               my               card               balances               to               one               place.

    This               of               course               means               no               more               using               your               credit               cards               until               the               balance               is               paid               off.

    Using               cash               is               a               good               practice               because               you               can               physically               see               the               money               leaving               your               hand               which               is               much               more               painful               than               swiping               a               piece               of               plastic.
                   Do               NOT               get               rid               of               your               old               credit               cards               that               are               now               carrying               a               zero               balance.

    Closing               a               credit               card               account               is               like               burning               bridges               with               a               former               employer.

    These               credit               references               are               like               job               references,               but               for               your               credit               report.

    If               you               keep               these               accounts               open               it               will               help               your               credit               score               more               than               if               you               closed               them               even               if               you               continue               to               carry               a               zero               balance.

    Keep               your               old               cards               together               locked               in               a               safe               in               case               you               need               one               for               an               emergency               situation               in               the               future.
                   Budget               
                   You               should               plan               on               creating               a               budget               for               yourself.

    Make               sure               you               are               allocating               enough               money               towards               your               credit               card               debt               as               you               can               afford               to               pay               even               if               it               means               cutting               back               on               some               luxury               items.

    Once               your               card               has               been               paid               off               you               will               have               a               new               found               appreciation               for               money               and               be               able               to               slowly               introduce               those               luxury               items               back               into               your               lifestyle.

    Once               your               debt               has               been               paid               off,               consider               putting               part               of               what               you               had               been               paying               towards               your               debt               into               a               high               yield               savings               account               such               as               with               ING               Direct               or               Emigrant               Direct               to               help               make               sure               you               don't               find               yourself               in               another               stressful               debt               situation               in               the               future.

    A               really               great               free               budget               spreadsheet               is               available               through               free-financial-advice.net               and               CNN               has               Budget               101               that               is               also               a               helpful               budget               guide.
                   Even               after               you               have               paid               off               your               debt               it               is               a               good               idea               to               stick               with               your               budget.

    Accounting               for               where               each               dollar               you               spend               goes               helps               keep               things               in               prospective               and               helps               you               avoid               running               out               and               putting               unnecessary               items               on               your               credit               cards               so               you               don't               find               yourself               buried               under               a               huge               pile               of               credit               card               debt               again.






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