good quote

At 2:10 pm I received a call from this number. When asked to identify himself and his organization, he would only give his first name. He became quite aggressive, almost threatening, telling me I 'must' provide personal information. He refused to provide a reason for calling.It was only by using google, not 411, that I was able to identify this company.I've reported this to the local police and Phone Busters.

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

Hey my mother, just got this call about her owing some money but i have no ideal what they are talkin about does anybody now what this is about she was really aggressive and was treatin my mother what kinda of agency is that

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.

purchase a recording device so that it will tape your telephone conversation.

have them give you as much information as possible. keep them on the phone to record as much of the conversation as you can.

who the principal is, when was the loan date, what was the limit, when was the default, how much was the default for, how much is it now, what was the interest rate, what is the interest rate now, etc. etc. etc.

then have them hold. rewind the recording and tell them to listen.

once their know they're recorded they will probably hang up and you may not hear from another collection agency until they sell the debt to someone else.

check your credit report to find out the contact information for any outstanding debts.

contact the creditors and either cut a deal with them or bring them into a contractual arrangement.

write a letter to the credit reporting agency(s) and let them know you have dealt with the situation.

the creditor has 30 days to appeal or the credit agency removes their reporting record of your debt.

good luck