harrassing phone calls

by Summer Repp
(Sulphur, Louisiana)

I have been receiving calls from people with what appears to be an indian descent and they have called my cellphone as many as 67 times in one day. They are also calling my work, which is for a law enforcement agency. They have called all four lines at the same time and everyone on the phone lines can hear each other. They keep threatening me and calling me a fraud lady and telling me they will put me in jail if I don't pay this debt, which I don't believe I have. I have told them, as well as my coworkers to quit calling my work phone number and they refuse to stop calling.

They have even told one of my coworkers to go to my house and give me the message. Some of the phone numbers they are calling from have even showed up as my work phone number some how and even my social security number.

I ran a credit report on myself and noticed a company by the name of NCO Financial. I don't have any idea what this is or what its about. I have even requested them to send me a certified copy of my debt and they refuse and tell me again that I was going to be put in jail if I don't pay this debt. They are even telling my coworkers that I'm a fraud lady and if I don't pay this debt I will be put in jail.

Reply from DebtCollectionAnswers.com:

What you describe at first sounds like the classic payday loan debt collection scam that's happening all over the US. These guys overseas somehow get a hold of consumer information (one source may be applications for loans filled out online) and then call and illegally harass debtors. Report them to the FTC and to your state attorney general's office, then the next time they call, make sure you tell them you have reported them to the authorities and you are recording their phone calls so you can turn over the recordings to the police. That should help.

As for NCO, it is a large collection agency so it shouldn't be the same one as the one you are describing above. Our guess is NCO is a different debt. You can dispute that on your credit reports. Just keep in mind it may result in them contacting you about a debt you owe.

Read: how to dispute credit report errors

If you have problems with NCO, you can contact a local consumer law attorney with experience in debt collection cases, or call the Collection Complaint Hotline at 888-711-5183 for a free, confidential case evaluation. There is no fee unless you recover.

But it's our hunch, based on your descriptions, that the calls you are getting are from a scam based overseas.

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