good quote

These "people" are idiot`s & only want to hear one answer .... "Please take what little i have left" !!! ..They will not listen to reason ..Fax them & Tell them to stop calling you...They have to legally oblige...Do it !! NCO`s FAX # IN ALBERTA IS .. 1-+1 877-279-2178

Carey Shaw

10109 106 St Nw, Suite 600
Edmonton, AB T5J 1H3

(780) 441-4000
Job:Services Financiers Nco Collection, Branch Manager

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

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.