I am trying to reconcile my credit so i called nco financial to try to make some payment arrangement with them. I was greeted by a Mr. Vargas that spoke like he was the man from. I think it was hot wheels. Anyway, he proceeded to ask me why i haven't paid my bill and i told him i had fallen on hard times. I asked him about making some sort of payment arrangements to which he cut me off by saying he had no authorization to accept payments from me. Meanwhile the letter that i had recieved was a letter informing me of my debt stating two options i can pay blank amount by blank date. Number two was i haven't paid because blank. This totally baffled me when Mr Vargas kept stating that i had to pay this debt IN FULL when i had received this letter stating otherwise!!! Then Mr Vargas proceeded to tell me that they reserved the right to sell my case to whoever they want and law suits could be filed against me. I proceeded to tell him that i did not have a money tree in my back yard to which he said well not too many people do ma'am. Then he rattled off some more of his littany about how much interest could be accrued and i could end up having to pay even a higher amount if i didn't pay the whole amount within twenty four hours. He then proceeded to try to get the creditor on the line on a three way call to no avail. He then had me answer questions about filling out a hardship form if i had any savings accounts or bonds. He then said well can't you borrow the money from one of your relatives? I said no one has any extra money to give me sir. Then i tried to say how i was able to make settlement payments with another credit to which i had the same balance to which he interrupted by saying you were very lucky cause very few companies will do that and then i said well i could sent you these monthly payments to which again he replied i have no authorization to make any payment arrangements with you as per my client which i guess is the person who took over the case after my original creditor went bankrupt. Yes bankrupt. I said to Mr vargas it is not my fault that these people went bankrupt and i'm forced to pay this in full to which he replied well don't be suprised to have one or more law suits on my hands. To which i replied they can sue me all they want they would only get what i owe them if i still owe them at all. I was told by more than one person if a creditor goes bankrupt i do not owe them a dime and that i should talk to a lawyer. I actually don't know who to believe or what to think at this point. My dad offered to pay the bill in full for me but i don't want what has been happeneing to others to happen with me. Back to the story then he is still flapping his lips (while i'm talking) saying "you can tell me till you are blue in the face that you are going to pay this bill and we have no way of believing you" To then he said he will knock off about 800 dollars interest off the balance if i paid the remaining in twenty four hours... And then he has the nerve to ask me who owns where i live!!! I said my apartment company does. To then he says this needs to be resolved right away and you need to make a payment within 24 hours or you will have a law suit pending. I proceed to say you know what i have heard enough and i can tell you right now i do not have the money to pay this in full and then threatens me by saying well we will find you and we will get our money! I had this happen on monday and then he left a message tuesday and today which is wenesday. My boyfriend even called him and after him confronting him about harassing me he said well those are just allegations and that he has no proof! And hung up on him. I called the people who handled the account after my original credit went Bankrupt and they can't do anything cause it is out of they're hands. Then i decided to look these guys up on the internet an i was so suprised how many other people have complained about them and even had law suits where they illegally took money from there account. I am scared that if i pay this... That it will never come off my credit report with all this scamming they are up to.
If anyone has suggestions please post them.
Thanks!
Heidi
pittsburgh, Pennsylvania
U.S.A.
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