NCO Financial Systems Complaint

Statement - medical bills

4
Helpful Votes
Posted By: trying on 8/28/2009

Location: OH

When I was contacted by NCO for several medical bills I had owed, I did not dispute them. I set up payment arrangements which I sent every month. They agreed to put all the bills together and I would pay just one time per month. It didn't take long before I was contacted again and was told that the payment was not good enough and that I would be dead before the bill was paid in full at this rate.

Very Professional huh? Resently I requested a statement with all the bills the orginial amount owed and the balance remaining. I was informed that I wasn't going to receive any of this and I would have to go on line and investigate this myself. I told this very rude individual on the other line that if a statement could not be produced and mailed to me with the information I requested, that no further payments would be made. Credit score being ruined? Big deal it already is. I work full time for little over minium wage, my company dropped it's health coverage, and I'm a single mother supporting 2 children and a grandson, with less than $600.00 per month in support. I make too much money for assistance and not enough to make ends meet. There are a lot of us out there, just a bunch of squirels trying to get a nut, and for other people to be rude and play holier than thou, about things that have happened is not only a shame, but it should be illegal.

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    User Discussion - Add your 3 cents!


    MSCANTBEWRONG (08/28/2009)      
    NCO are a bunch of scum bags.

    BokiBean (08/28/2009)      
    DB could probably weigh in on this much better than I can.. But I THINK if you have already set up a payment plan with them that acknowledges the debt..and obliterates any obligation they have to provide you with the original paperwork. I think.

    Stew (08/28/2009)      
    Actually, a collector is under no legal obligation to ever provide any of the original paperwork. The laws pertaining to what constitutes validation/verification are fairly vague. The collector if they so wanted could merely provide an affidavit from the original creditor stating the debtor owes this amount.

    Paying a collector is purely voluntary. The collector does not have to prove the claim is valid in order to collect. Their only job is to convince the debtor to remit funds.

    OP, Paying your collections should be last on your list. Your first obligation is to your kids and yourself. I would not pay NCO one red cent until such time ... more >>

    BokiBean (08/28/2009)      
    My bad! I thought that collectors had to provide paperwork of the original debt.

    chex_mix (08/28/2009)      
    Might you be able to go back to the medical providers you originally owed the debt to and ask if they still have records?

    ^5 to you for acknowledging your debt and making arrangements to pay it off. Don't let NCO bully you into paying more then what you can financially afford to do.

    KenPopcorn (08/28/2009)      
    "What Must The Debt Collector Tell You About The Debt?


    Within five days of their first contact with you, the debt collector must send you a written notice telling you:

    How much money you reportedly owe;

    The name of the creditor to whom the debt is owed;

    That unless you, within thirty days after receipt of the notice, dispute the validity of the debt or any portion thereof, the debt will be assumed valid by the debt collector;

    That if you dispute the debt in full or in part within that thirty day period, the debt collector will obtain verification of the debt and mail it to the consumer; and

    That upon your written reque... more >>

    JR in Orlando (08/28/2009)      
    You really have more leverage than you think, because if you do not voluntarily pay them, what are they going to do - sue you. That is not probable since you have no money to pay off the judgement anyway - I assume.

    Have you ever had your agreement with NCO in writing as to payment amounts? Even now I would write to them and simply say: As we agreed back on (date) I was to pay $xxx per month toward these debts. Since (date) I have made my payments as agreed. Now you want to change the agreement. That is not acceptable to me. I will continue to make my payments as agreed. Do not call me again concerning any increase in the payments... more >>

    PepperElf (08/28/2009)      
    now here's an odd question...

    if the hospital doesn't have any records of the original debt
    and nco refuses to show

    how do you know if you really even owe anything.

    i would think legally they'd have to prove you owe
    or give up the claim.

    Stew (08/28/2009)      
    One should never offer up any description of any understood agreement with a collector. There's no upside in doing so only downside. You are making admittances that could later be held against you. It's not going to sway the collector one bit.

    Ohio allows wage garnishments and as such it doesn't matter if the OP has no money on hand so long as they have a job. Wage garnishments go out every day to such employers as McDonalds, Walmart and 7/Eleven. Technology and the proliferation of collections attorneys has greatly reduced the cost of litigation and greatly increased the likelihood that the everyday Joe will get sued.

    It happens ever... more >>

    Stew (08/28/2009)      
    PepperElf, The only time they legally have to prove their claim is if the matter goes to court. And even then they really don't. A lot of collections attorneys are merely fishing for default judgments where you don't have to prove a darn thing.

    PepperElf (08/28/2009)      
    that just sounds weird to me.

    like maybe they could start claiming you owed them $1000 when you only owed $100

    madconsumer (08/28/2009)      
    The Right to Validate Your Debt

    Under the FDCPA, you are allowed to validate this debt, and the creditor (in this case, the collection agency) must show you proof that you owe the debt to the collection agency (not to the original creditor.)

    The specific section of the FDCPA:


    FDCPA Section 809. Validation of debts [15 USC 1692g]
    (b) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection (a) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any ... more >>


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