I was served with Summons and Complaint for Breach of Contract and NCO Financial Systems is the Plaintiff. This complaint is for $1700.00. My insurance company $3500 and $1700 was left owing as my share of that debt. I never received any telephone calls, never received a validated bill or statement from either the hospital or NCO. I never intended to not pay this debt. I never knew I owed anything. NCO failed to communicate any outstanding debt to me and has broken several collection codes in the State of California.
Due to the lack of any information from them, I started doing database checks in the state I live in, which is California, and the state that they that is listed in the California Secretary of State database, which is Pennsylvania, and guess what I discovered? NCO Financial Systems is not an active corporation in Pennsylvania or California, has no Fictitious Business Names filed in Pennsylvania or California, and also is not bonded or licensed in either of these two states to conduct collections.
In other words, they do not have the right to file a lawsuit for breach of contract as a collection agency or as a corporation, have violated many debt collection laws and privacy laws, reporting information to credit bureaus that is untrue, etc. Etc. Etc. Now who is in breach??? I plan on filing a cross_complaint and taking these issuas far as I can. If I lose in court, I will make sure that they spend at least more than $1700 with problems and complaints and investigations I plan on submitting to every agency I can think of including any private organization out there for this type of unlawful and fraudulent conduct. End.
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