topic Re: what to do about NCO? in Rebuilding Your Credit

what to do about NCO?

Anonymous — Mon, 19 May 2008 03:27:24 GMT

Well i have sent a GW e-mail to lisa and the CEO. I got a letter from lisa saying they were correct and would not take it off. This was about two weeks ago. Should i try again? I do not want to bug her but this is only bad thing i have left besides one 30 day late. Any help would be great!

A little background info from TC:

Creditor Name: NCO FIN /99 NCO FIN/99 Account No.: 67106**** 67106**** 67106**** Original Creditor: RAMCELL CELLULAR COMMUNICATIO RAMCELL CELLULAR COMMUNICATION RAMCELL CELLULA Responsibility: Individual Individual Individual Condition: Paid Paid Paid Original Balance: $343 $343 $343 Balance: $0 $0 Date Opened: 06/26/2006 06/2006 06/2006 Date Reported: 06/30/2007 06/27/2007 02/2008 Remarks: [TransUnion] Paid collection [Experian] [Equifax] Collection account

Re: what to do about NCO?

Anonymous — Mon, 19 May 2008 14:58:11 GMT

Did you send them a DV???...for thee paid collection...

Re: what to do about NCO?

Anonymous — Mon, 19 May 2008 22:15:15 GMT

No i have not sent them a DV yet.

Re: what to do about NCO?

Anonymous — Tue, 20 May 2008 22:27:25 GMT

would it be worth my while to DV? its after 30 days i paid the OC before i even got a letter from NCO that i know of. I sent a GW to lisa and the CEO. What is the next step? Should i send another GW e-mail to lisa?

Re: what to do about NCO?

Jesedmotherof5 — Tue, 20 May 2008 22:44:17 GMT

Werid Mine was a Medical bill (maybe b/co of the HIPPA laws) but I sent her and the other CEOs that were listed on these posts a PFD and they deleted without a payment...

Re: what to do about NCO?

Anonymous — Wed, 28 May 2008 20:16:26 GMT

DW has medical bill she had been making payments on since Jan when services were "rendered". Her last payment was made on 3/26/08 and got a statement saying Insufficient payment amount. She forgot to go by and make a payment in April so we got a letter looking exactly like the hospital bill but at the top said NCO Financial. She called the hospital and spoke to a rep that said the account was never set up on a "payment plan" until today and that the letters from NCO would stop as long as she didnt default. This is not reported to cra's yet but do we need to send anything to NCO since a payment plan has been set up with the hospital?

Re: what to do about NCO?

Anonymous — Thu, 02 Jun 2011 03:56:27 GMT

MCE

Medical collections are handled different then other debts!

NO do not contact NCO.........Let the hosp. handle them! I would also get the dept. phone # (x-ray or other dept. that might send their own bills) call them & see if they have any outstanding bills.

If you receive any other letters from NCO about other debts...They must also inform you of the name and address of the creditor!!!

Always try & work with the hosp.or the provider before doing anything with a CA. Know what your SOL is as some HIPAA letters only deal with past SOL.