I have been a client of a credit counseling service for over two years and they were recently impacted by Hurricane Wilma. A payment was deducted from my account by the counseling service but they did not forward the payment to NCO. I received a letter from the counseling service indicating that they would be contacting my creditors. All creditors have been very cooperative—with the exception of NCO. They have called and demanded that I re-finance my house and payoff the outstanding dollars. They call my husband at work. I know I can send a certified letter, but at holiday time, that won't help the calls. I am frustrated because this is out of my hands. The credit counseling service dropped the ball and I am definitely on the receiving end of very harrassing collection calls. The money has been taken from my account AND I have sent payments directly to NCO. They are not willing to hear any negotiations and the credit counseling service doesn't seem to be in a position to make the payment OR stop the calls. Anyone have any ideas?
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