see messages left under 800 notes.  Do not even answer the phone, return all mail unopened, and forget about them.  Don't let them ruin your day, but don't let them trap you.  In Alberta, they cannot sue you on a debt over 2 years old UNLESS you acknowledge the debt &/or make even one cent of a payment --- no payments, no comments, do not answer the phone, have nothing to do with them.

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 phone number belongs to Pamela Hayes of NCO Financial in Edmonton.  NCO Financial is a collection agency.  They are not exactly the most reputable firm on the planet.  A Google search of NCO Financial will bring up more of their unethical and/or illegal garbage than I can possibly post here.

Pamela and NCO Financial also use the toll-free number 1 +1 877-237-2215.  Note that any time you dial a toll-free number, the company you called sees your phone number.  Even if you block your Caller ID.

The best way to contact NCO Financial is to call the main number (780) 441-4000) collect from a pay phone.  That way your real number does not appear on their phone bill and NCO Financial has the added hassle of paying for collect call.

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.

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

Who called?