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

Carey Shaw

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

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

good quote

Had the same call.  Right surname wrong name, but initials were correct.  When I asked what was all this about, a girl said it's a small business matter, apologized, and hung up.

The number displayed was (780) 441-4000

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.

This number belongs to NCO Financial. They are a collection agency and not the most honest company on the block.

When they call I tell them I have no outstanding business with NCO and that if they feel I owe money to please contact me in writing.  If they ask me for an address I tell them that if their concern is legitimate they already have my address.  :)

It is more difficult for collectors to lie when they contact you in writing. This is exactly why I insist and why they don't like to.