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    #1

    NCO Collections

    NCO just called me. Told me I had an outstanding debt for some BMG musicaccount from 2004. I wasn't aware of the account when I filed. I never had a BMG music account.
    I told them my bankruptcy discharge was ordered March 12, 2007. I then told them that even if the debt wasn't included that I was protected under bankruptcy law from creditors that come out of the woodwork.
    They asked fo my attorney's number. I said i filed prose. They told me it wasn't legal to do that and they needed a number for the person i filed bankruptcy through. So i gave them the number to the bankruptcy court clerks office. These people are nuts!
    There is no way this debt could be mine. Does BMG need a ss# to open account (back in 2004?).
    Filed Chapter 7 Prose 11/27/2006
    Discharged 3/12/07 & closed 3/16/2007
    Credit scores: EX 544 EQ 585 TU 565 on 4/15/2007
    EX602 EQ569 TU565 on 5/01/07
    Tags: None
    #2
    Mlpntr,................

    I took your post off the end of that OLD thread and created a new thread.

    PLEASE do not go booting old threads by tacking a new post on the end. Your comments will receive much more attention from Members if you create a new thread.
    Filed Ch 7 - 09/06
    Discharged - 12/2006
    Officially Declared No Asset - 03/2007
    Closed - 04/2007

    I am not an attorney. My comments are based on personal experience and research. Always consult an attorney in your area to address concerns related to your particular situation.

    Another good thing about being poor is that when you are seventy your children will not have declared you legally insane in order to gain control of your estate. - Woody Allen...

    Comment

      #3
      NCO...yuk...the worst of the worst...

      Be prepared, get all your data ready and research how to sue these creeps.

      NCO has been sued by so many consumers and states AG's I wonder how they stay in business.

      You may first start with a "debt validation letter" and then follow up with a "cease & desist letter," but don't be suprised if they totally ignore them..........regardless of your proof of service.

      NCO is the "best" of the new breed of collector that blatantly ignores federal law/state law and when sued just chalks up the fines as "the price of doing business."

      Research a good consumer protection attorney here, http://www.naca.net.

      Be prepared to fight.

      Good luck,

      CPO

      Oh, and by the way, it really does not matter to NCO if this is a legit debt or not. Fact is, you are in their sights and if it's worth it to them they will play every trick in the book to squeeze cash from you.......
      I have (4) NCO collection accounts....I don't speak with them anymore, save all correspondence and past recorded calls, have researched names and contacts of the corporate offices and forwarded all info to my attorney. I hope to take their money....

      Sorry I can't be more positive about your plight.......just realistic.

      CPO
      Last edited by CPO; 04-30-2007, 07:38 AM. Reason: spelling

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