Like many others here I also received a bogus claim from NCO. I challanged their claim by sending a certified letter within the 30 period they state in their letter and they failed to respond back in the 30 days allowed by law. So they have lost all right to that claim because they failed to validate it. Here is a copy of the letter I sent them, Some of culled right from this site. Worked like a charm but you must do it within the time specified or there claim becomes valid in the eyes of the law.
NCO Financial Systems Inc
507 Prudential Rd.
Horsham, PA 19044
USPS Certified Mail # 7005 1820 0003 7066 4106
09/18/06
To whom it may concern;
Yes, your office will have to validate this bill for me.
In accordance with Section 809-Validating Debts of the Fair Debt Collection Practices Act, I respectfully request that you provide to me, in writing, the following:
1. Explain and show me how you calculate what you say I owe. Provide a written itemization of ALL charges including a full account history and proof of every charge.
2. Provide me with copies of any and all signed contracts that show that I agreed to pay you what you say I owe. To the best of my knowledge I have no accounts of any kind with your company.
I have disputed this debt, therefore, until validated; you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit reporting agency, then you must immediately inform them that this debt is in dispute. Reporting information that you know is inaccurate or failing to report it as disputed violates the FCRA e1681s-2. If you do not own the rights to this debt, please send a copy of this dispute letter to the original creditor, so that they will have documentation and that they will be aware that this remains in dispute. I do NOT deal with collection agencies or debt buyers, so if there is an issue, it will be resolved with the original creditor. If you are unable to validate this debt, any information you have sent to any credit reporting agency must be removed within 30 days from today and all collection efforts on the part of your company must be terminated, or I will sue for damages under the FCRA.
Finally, in accordance with section 805 (c) Ceasing Collections, of the FDCA, please do not contact me regarding this, except by official mail and then only to inform me that your collection efforts are being terminated or that you are taking specific actions allowed by law.
Your cooperation is anticipated and appreciated.
Then when their time expired I sent out one more certified letter to them as follows.
NCO Financial Systems Inc
507 Prudential Rd.
Horsham, PA 19044
USPS Certified Mail # 70060100000484183604
10/26/06
To whom it may concern;
On September 22 your office received a request from me via certified mail, to validate a debt you said I owed. The law requires that your office respond to these request within 30 days, which your office has failed to do.
Therefore I am writing to you today to tell you that your claim was bogus, just as I had expected. Your failure to validate this claim has put an end to any rights you had under the law regarding this supposed debt.
You will now cease and desist all contact with me. If your company placed any derogatory remarks on my credit history you must remove them now or face a possible action under the law.
Hope this may help others with the problems with this scumbag corporation.
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