Nco financial systems claiming information was not received

by Tracey
(Cary, Nc)

I have mailed out a wage verification form as well as copies of all monthly bills, copy of my lease in addition to a copy of my 2009 tax return information. NCO claimed they "didn't receive" the above metntioned documents. I then faxed over 25 pages of bills, lease, 2 most recent pay stubs, 2009 tax information, etc. Again they claimed they "didn't receive" the information. They are threatening to garnish my wages because I "didn't provide them with information which they requested". Is this legal? I know they can garnish wages if you don't comply, but I have. I also the confirmation pages from the fax transaction and all results came back with an "ok" on my end, yet they are still claiming they "didn't receive" the information. What are my rights? And what can be done about this?

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Jul 13, 2010
 NCO Financial Claiming Info Not Received
by: Mary & Gerri

Thanks for submitting your debt collection question on our Q&A page.

Your problem with NCO sounds very frustrating. I think you have three options. One option would be to send everything you've already sent to the company one more time with a cover letter, but rather than sending it regular mail, send it certified mail with a return receipt requested. That way, someone at NCO will have to sign for your package of information and you'll receive a receipt from the post office in return as proof that the package was actually received. File the receipt with everything else you have related to the debt NCO is trying to collect from you and to all of your efforts to date to provide the company with the information it wants.

Another option is to hire a consumer law attorney in your area who specializes in debt collection problems to send your information to NCO for you with a cover letter from the law firm. Receiving that letter may scare NCO into doing a better job of documenting receipt of the information it's requested from you.

Hiring an attorney to provide you with this assistance should not cost very much and could help you resolve the impasse you are at with NCO sooner rather than later, not to mention help you avoid having to deal with a possible lawsuit. (By the way, NCO cannot garnish your wages for nonpayment of your debt unless it sues you first and wins the court's permission to take that action.)

Find out how to get FREE or low cost legal advice about debt collection from a consumer law attorney here.

Please share what happens with your situation in the comments section for this question. We are very interested in hearing how this turns out for you, and your experience can help others who are struggling with debt collectors.

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