NCO Financial Debt Collection

NCO is an extremely large debt collection agency. Their job is to collect money owed to their clients (usually companies that service and sell to consumers just like you). Also known as NCO Credit or NCO Financial Systems, this company uses representatives to reach out to debtors by phone, email, and mail.

Is NCO Financial a Scam?

NCO Financial is a real debt collection agency. But just like all other debt collection companies, it is possible that unethical practices may be used to collect debt owed. Know your rights!

Stop Harassment From NCO Financial

NCO Financial is one of the largest debt collection companies in the world. They may make harassing and/or abusive calls and send out threatening letters, and in some cases they may have your information by mistake.

The legal team at Francis Mailman Soumilas, P.C. can help end this contact harassment and abuse from NCO, and resolve discrepancies. If a debt collection agency like NCO Financial is harassing you, or violates any of your rights under the FDCPA, you have the right to sue them for damages.

Under the Fair Debt Collection Practices Act (read more about the FDCPA here), debt collection companies such as NCO Financial cannot do the following while trying to collect a debt:

• Contact anybody who is not the main person that owes the debt (family, neighbors, etc.)
• Threaten you with referral to an attorney, harm of credit, or wage garnishment without the actual intent to act on the threat
• Call at “unreasonable times” such as before 8:00 AM or after 9:00PM
• Contact you at your employer’s office if you tell them not to
• Place calls to your employer to inform them of your debt or disclosing any aspect of the debt to others
• Use profane or obscene language during calls
• Send collection letters that appear to be from a court or government office
• Threaten to arrest you if the debt remains unpaid

Hire Consumer Protection Law Firm Francis Mailman Soumilas, P.C.

Call 1-877-735-8600 or fill out our free case review form to stop harassment from NCO Financial or to see what action can be taken against NCO if they have violated any of your consumer rights.

Below are several examples of cases that were filed against NCO Financial Systems, Inc. and experiences/comments from other consumers that have had issues with this debt collection company.

Big Lawsuits Against NCO Financial Systems Practices

Thomas v. NCO Financial Sys., Inc.

2003 WL 22416169(E.D. Pa. Oct. 21, 2003). Debt collector provided the credit reporting agencies with information on debts past the statute of limitations.

Prince v. NCO Financial Servs., Inc.

346 F. Supp. 2d 744 (E.D. Pa. 2004). Debt collector attempted to collect debt before it was in default.

Davis v. NCO Portfolio Management, Inc.

2006 WL 290491 (S.D. Ohio Feb. 7, 2006). Consumer stated that debt collector did not have enough documentation to file a complaint and pursue a law suit. Court found that the defendant had a sufficient amount of evidence to move forward.

Foti v. NCO Fin. Sys., Inc.

F. Supp. 2d , 2006 WL779774 (S.D.N.Y. Mar. 25, 2006). Debt collector repeatedly attempted to collect on the debt within the 30 day validation period. Debt collector made various threats pressuring the consumer to make immediate payment disregarding their right to dispute and request proof.

Allen v. NCO Fin. Servs., Inc.

2002 U.S. Dist. LEXIS 10513 (N.D. Ill. June 10, 2002). Defendant sent a second collection notice only a few days after the initial debt collection letter was sent out. This violated the terms of the 30 day period that the consumer has the right to dispute and request validation. Defendant was unable to provide a legitimate excuse for why this error occurred.

NCO Financial Systems Contact Information

Address	507 Prudential Road
City	Horsham
State	Pennsylvania
ZIP	19044-2308
Phone 1	215-441-3000
Phone 2	800-220-2274
Consumer Hotline Phone	800-550-9619
Consumer Hotline Fax	866-269-8669
Website	www.ncogroup.com