They seem to have followed the FDCPA to a "t". They are not reporting it as collections on my reports while it's in dispute. They had all the applicable statements in their cover letter They sent validation with my signatures on it. They didn't include a bill... now what? I don't mind settling the debts, but I don't want the fruits of my credit repair to be screwed up with a paid collections account. After I pay it there's no denying it's mine, right? Has anyone had any experience with NCO? If so, have any suggestions? Since I'm going to have to settle the debt (or do I?) what would be the most benificial way to get it done? Thanks in advance for all of your help.
Dear Mr. Texas, For some strange reason there is one CA out there who has gotten very smart very fast, It's NCO. They are watching this board like a hawk. You may need to start thinking about sending a settlement offer in exchange for deletion. Email me if you want.
Don't pay it if they won't delete. It's my understanding that a paid collection is just as bad as an open collection. Might as well save your money and wait the 7 years if they refuse to delete. I have had run in's with NCO and they are not very nice people. Just my opinion.
One of the downfalls of a public forum. Not like the CA's didn't have enough of an advantage in the first place.
Well hats off to them... good job! I suppose the streak couldn't last. I have 14 total deletions to date. I started only 3 months ago. I'll pay, but only for a deletion!!!
BTW What percentage (of the total debt) should I start with? And does anyone have any ideas/experience with an airtight contract of sorts I could use against them later if they did NOT delete?
do they own the debt? my understanding is..could be wrong...that they are not legally able to validate if they do not actually own the debt briana p.s. you could threaten to complain to the BBB...(i don't remember where i read this) apparently the BBB is pretty pissed at them already
Hi Mr. Texas, I had a medical collection reported to NCO as well. Problem was I never received an invoice and knew nothing of the debt until it popped up on my credit reports. The total was $405. I contacted NCO by phone - got in a screaming match with the idiot on the phone and ended up talking to supervisor. It was no use - they were not going to delete come hell or high water. They didn't care whether I paid it or not. I did some research and found out who the OC was. I contacted the OC, made payment arrangements, and they sent me a letter stating the debt was reported in error and promised to instruct NCO to delete. They knew I had not received an invoice because their records showed it returned undeliverable - I had just moved and I guess it took them over 90 days to get the invoice out the door. The next week the collection account dissapeared from my credit reports. You might try this and see if it works for you. BTW I am in Texas too.
It is a medical collection. I was only kidding about surrendering, the fight has only begun. Settling is a viable option if they WILL delete it.
AND! Does anyone have any idea what kind of airtight letter/contract/whatever I could use against them if I settle and they renig on deleting it?
Does not matter. As long as you say in exchange for payment in full, the following collection will be permantly deleted from all CRAs and not put back on. How old is it? the SOL in Tx is 4 years.You can still pay the OC, too.
I would have to disagree, NCO was the easiest for me to sue and I just received a settlement check from them on Wednesday. They were also the easiest to settle with out of court and did not make any argument over my complaint or even try and defend their actions. The only thing the lawyer said was...."How much and who do we write the check out to??" NCO folded quite easily for me, money$$$$ and Deletion!! Tac
2 years old, so the SOL is still in their favor. If I pay off the OC, will the collections acct get removed automaticly? Or will I have to get the same assurance that it will be deleted from the OC?
