I received a call from NCO (441-1000) and I have EXCELLENT credit. I phoned both Equifax and Trans Union to verify my file.  Nothing has ever gone to collection for me. I also receive yearly credit updates from Equifax to guarantee that nothing has gone fraudulent with my file.  NCO would not state what type of company they are, would not state why they were phoning, only that they received a file for me. There is absolutely nothing they would have received regarding a bad debt from me. I protect my credit and I am very proud of my excellent credit.  they would not provide any information to me until I provided them with personal information. I don't think so. They then stated that they would continue to contact me until I agreed to cooperate.  I am highly irritated and have no idea how to stop them from contacting me with this nonsense.

This is NCO Financial in Edmonton - note they do not even call themselves a collection agency!  Good advice above - do not speak to them, return their calls, etc.  Especially do NOT make payment arrangements - there is a statue of limitations in most provinces of two years, even although they may  TRY to collect after that period, or even try to get you to simply ADMIT to the debt. Never do any of the above, especially making a payment, for if you do,  that two year period starts all over again.  NEVER, ever send a debt collector of any sort a cheque, or provide banking information over the phone..If you are settling a debt, send a money order from the post office so they do not know where you bank!!!  Otherwise you may see your bank account drained!!!
Incidentally, a review of NCO Financial's Better Business Bureau Report as of today's date (Feb 8/11)
is RATED A BIG FAT......."F"....... the provincial government should not be allowed to license a collection agency with such a terrible tract record.  With a disgusting record like that they should not be allowed to call anyone to collect money  - talk about outrageous - this is the pot calling the kettle black LOL - really, check it out at "Southern Alberta Better Business Bureau, click on check out business, type in NCO Financial, Edmonton, Alberta, and you can read this for yourself.

NCO is very much less then honourable. I don't even answer the phone on any unknown name. I get messages about an important "business" matter to call back about. I worked for the Cash Store for 9 months. NCO was calling people with payday loans that were not overdue to have them pay NCO. I don't know how they get hold of information like that. However do NOT when they call EVER give them the missing details! There is a 2 year statue on unsecured debts in Ontario. They can not collect unless you admit to owing the debt. Even if you want to pay the debt companies like NCO are debt scammers and there is no gtee the companies owed will get paid. Or that NCO bought the debt.

good quote

they were really aggressive about a debt, i have filed bankruptcy because of a business failure and he started calling me names