by Leaveno
(Fairfield, California)

NCO contacted me about 3 weeks ago and continued to call me 5 times a day on my home and cell phone. I told them I had made arrangements with a dept consolidation company to take over my debts they said until they were contacted the calls would continue. So I made arrangements to make a payment with them on 5/15/10.

That did not stop the calls the called more wanted a post dated check I declined they have continued to call even though I made the arrangement to make a payment until the dept solution company takes over. I ask them isn't it down I have made arrangements they say yes but, until they get a payment they will continue to call. I contacted them tonight and told them this is a form of harassment they said until they get the payment they will continue to call I even read them the law and asked for copies of the dept stated they had mailed it out to another address which I no longer live at and the creditor had my change of address a long time ago.

I never received nothing from them stating they even had the account. What are my rights to stop the calls?

Comments for NCO

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May 18, 2010
debt consolidation and collection agency
by: Anonymous

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

I assume when you say you're working with a debt consolidation company that you were talking about a debt negotiation or debt settlement firm. The fact that you have engaged one of these firms will not in and of itself make the calls stop. After all, the collection agency is not obligated required to work with a settlement firm.

You do have the right, however, under the federal Fair Debt Collection Practices Act to send the collection agency a letter asking them not to contact you again. Please read our advice and warnings about cease and desist letters before you do that.

Angela, you raise a number of actions that may well be illegal under state and federal laws. For example, debt collectors are not allowed to tell third parties such as neighbors about your debt (much less harass them over it!) I would strongly encourage you to consider talking with a consumer law attorney with experience in debt collection cases. Since you are in California, you may want to talk with the coauthor of the California edition of our ebook, Robert Brennan at You can tell him Gerri and Mary sent you. If the collector has broken the law, you may be entitled to damages and attorney fees. (Not to mention the fact that you may be able to put this behind you!)

Please let us know what happens!

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