After posting a simple question yesterday that my friend and I were wondering about, I was called a loser and a jihadist. So my question has now changed.

Now I am wondering why some bill collectors on this board are so angry, judgmental and nasty. And I'm curious if the attitude displayed on this website carries over to your personal lives. Do you treat everyone you come across in the same manner that you treat a person who asked you a freakin question?

If you do then I feel bad for you. Your lives must be really sad. I would hate to have to live with so much anger and hatred inside of me. I will put you on my list of people to pray for.

Now moving along - and please refrain from answering this if you don't have anything useful to contribute - what are your opinions on NCO?

(Short story - I had quite a bit of unsecured debt 6-7 years ago that I wasn't able to pay because I was incarcerated for shooting my stepfather after he beat my mother within an inch of her life. No I don't regret it and yes I would do it again in a heartbeat if anyone tried to hurt my family. Go ahead and judge, I don't care. I'm at peace with what I did and my only regret is that he didn't die. I wasn't forthcoming about this in my post yesterday but I decided that I don't care what people on the internet who I will never meet think about me personally. I didn't personally ignore the CAs but my wife did even though they hounded her relentlessly despite the fact that she wasn't a co-signer. I was moved around a few times and obviously didn't pay the debts since I was making about 80 cents per day. Now the SOL has expired and things have been very quiet since I sent certified mail a few months ago explaining that the time limit was up).

But back to NCO - they were the last CA that was sending me letters and calling but they stopped about 6 months ago. I had sent them certified mail that the SOL in Missouri expired. The 2 accounts they were handling were just taken off my credit report (Equifax & TU, didn't check Experian) and I was wondering if this is standard procedure or not. I understand that the SOL is different for legal action vs reporting but I don't know if removing the bad accounts from my reports is the norm.

I can probably get this information on a number of sites but the reason I'm on this one is because it came up first in my google search yesterday. Some people are reading way too much into it. I believe there are probably some nice, decent people on here who might be able to answer. So far, I've not encountered many but I am sure that a small number of collectors give the majority of you a bad name with their hatefulness, ignorance and haste to judge others without the facts.

I am trying to get my credit cleaned up and educate myself so I don't ever get in a financial mess again.
Thank you. JT

Edited: 10/23/2009 at 01:04 PM by Jeremy Thomas

The thing you seem to not be getting is your feelings of accomplishment by avoiding your financial obligations. Outside the legal frame, you still have a moral obligation to pay what you borrowed. Its called ethics. Its called morals.

So many debtors play the same card and we bill collectors hear the same garbage on a daily basis. 100 years ago you would have been hanged for that kind of rubbish. A mans signature, hand shanke or word seems to be worth absoutly nothing now days. I would embarrsed and ashamed to admit I stiffed my creditors regardless of what the law says. Again morals and ethics. So many debtors want to say collectors are inmoral and have no ethics, debtor need to take a long look in the mirror.

Tool

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The more calls you make, the more debtors you talk too, the more money you will collect...........so why are you on this board? get on the phone! PRIME TIME!

I don't have a feeling of accomplishment at all. If I could go back in time and not get into financial trouble, I would. Believe me, I would be much better off if I had been able to pay my bills.

Now my credit is trashed and that is the consequence. But why would I want to pay the old debt now? It won't improve my credit scores and it will restart the clock on the SOL. Why would I open myself up to potential lawsuits if I don't have to? People can talk about morals and ethics all they want but I don't think very many people in my situation would decided to start paying their old bills. What is there to gain? The people (original creditors) I truly owed the money to have long since written it off. So why am I going to sacrifice my family's mortgage payment and living expenses to give NCO money, restart the SOL clock and have my credit trashed even more?

But no, I am not 'proud' of my bad financial choices. It's actually pretty embarrassing. But there's not really anything I can do about it now without jeopardizing my son and my wife's livlihood. They don't deserve to live in poverty just because I was a dumbass in the past. I would rather put food on their table and a roof over their head instead of paying the CAs. I am trying to get us back on our feet so why would I incur more debt trying to pay old debt back? It doesn't add up to me. It's hard enough for a felon to get a job - deservedly so, I admit - so the money that I am fortunate enough to earn isn't about to line NCOs pockets.

But enough about the past. What's done is done. What I am trying to do is repair my credit and make wise financial decisions in the present and the future. Why is anyone against that? My purpose here is not to defend myself but to ask this question about NCO.

Edited: 10/23/2009 at 01:34 PM by Jeremy Thomas

Jeremy, you are seriously in the wrong place to ask for help on "credit repair". My suggestion would be to get on the consumer-friendly boards that will assist with credit repair. Dr. Tax's board is an example, but there are many others.

Folks here will try to dissuade you from using those credit repair tactics because it means they don't profit from their pennies on the dollar they used to buy your debt.

I am sorry you are now a felon for only protecting your mom. If it were me, I'd have done the same thing except I'd hope I did kill him AND I'd hope for some jury nullification. Good luck with you, sir.

Eh, what the he- double tooth picks..........


Tool Said.......



Again.... As tax used to say.... If ya want morals take the debtor to church..... I suppose this goes for the collector to.......

Lemme tell ya something tool...... I am slowly turning bitter (as I suppose most of you collectors are) I'm tired of seeing the consumer getting screwed time after time again...... If you compare the statistics to how many lawsuits are filed VS. how many OOS debts are collected with Un-Gawdly fees and interest on some "debt" that may or may not even be "real"

There's not one person on this earth that is perfect and I am beyond sick of the "moral" comments......

You are either living in a total bubble of the collection world or truly have NO clue how vile, rutheless and just plain evil some "tactics" used by "your" side are.....

I *used* to hope of some type of peace...... but.......... I have seen things within the past couple of months that have totally changed my mind and quite literally has turned me into the minion from hell.........

I still have "no" "ill" will towards anyone on this board but I can say I do have ill will for those of you that violate and openly LIE for simple greed......

Quite honestly I'd rather be right where I am in my life and worry about ME and other consumers who are being treated unfairly than worrying about how to make my next dime.........

Remember...... ya can't take it with you..... but you CAN change lives with your ATTITUDE and POSITIVE ACTIONS....

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Father.. Forgive .... Me... http://www.youtube.com/watch?v=N6784iq86G0

:0)

What does church have to do with it? It's obvious that morality, as being discussed here, is in the context of social conscientiousness.

Of course if one has no social conscience, the point, from either side, is rather moot.

Serial killers and rapists have no social conscience. But, some do attend church regularly.

Ya ~know~ what....ah....mean....(?)

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...the FDCPA enlists the efforts of sophisticated consumers....as "private attorneys general" to aid their less sophisticated conterparts, who are unlikely themselves to bring suit under the Act, but who are assumed by the Act to benefit from the deterrent effect of civil actions brought by others.


Edited: 10/25/2009 at 04:15 PM by E. Normis Debtor

D-e-f-i-n-e "social conscience"

Every day...... that term changes...... to Every human being that term has a different meaning.......


Is the point ~moot~ i don't think it is......... it's what makes us individuals and not tinker bells with imaginary bar numbers ..........

Ya ~know~ what.......ah.....mean......(?)





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Father.. Forgive .... Me... http://www.youtube.com/watch?v=N6784iq86G0

:0)

The terms hot and cold have different meanings to every human being. However, any individual person can tell whether it's hot or cold outside without the use of a thermometer.

I know when I do something wrong.....my conscience tells me. I don't need a dictionary, a law, a bible, a torah, a preacher, or a rabbi to tell me so. And, that doesn't change.....every day.

I was always under the impression that normal adult homo sapiens had a conscience. Maybe I was wrong. So off to church I go to find out if it's ok to steal my neighbors BBQ grill.



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...the FDCPA enlists the efforts of sophisticated consumers....as "private attorneys general" to aid their less sophisticated conterparts, who are unlikely themselves to bring suit under the Act, but who are assumed by the Act to benefit from the deterrent effect of civil actions brought by others.

I can understand why you may struggle with this so mightily. Living in the world where citizens practice law without a license daily, scheme and plot to entrap and assault a whole class of legitimate business and screw over hard working, law abiding creditors must take a real toll on the "social conscience".

Don't worry Flep. I believe in you. There are many church-based 12-step programs that I believe could be very helpful.

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The FDCPA Litigant Alert
Until 12/31/2009, we are scrubbing collection agency databases 100% FREE! - Details at webrecon.com/free

Actually TNG I don't struggle with this............ My world does not include citizens practicing law without a license...... My world Does include me fighting back pro se against cocky opponents who pretend to be (or) have something they don't.....

I have never ONCE entrapped, schemed, or screwed over a law abiding legitimate business......

______________________________________________________________

As for Norm........ YOUR conscience is just that..... YOURS...... not mine...... not his....... not hers......... it's YOURS...... and your definition of Moral.......is just that....... YOURS......

I'm sorry you've been under the impression that "normal" homo sapiens have a conscience....... If they did, we wouldn't have half of the problems we all do..........




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Father.. Forgive .... Me... http://www.youtube.com/watch?v=N6784iq86G0

:0)

Thank you for all of the replies. I appreciate those of you who tried to be helpful. And the ones who just wanted to be mean, shame on you.

I am just going to assume that NCO is leaving me alone. I will be sure to keep an eye on my credit reports to make sure nothing goes back on there illegally.

I initially wanted to get insight from collectors so I would have a good foundation from which to build upon - trying to restore my credit and not ever get in a situation where I owed money that I did not pay back - but I think that was a mistake. I thought that collectors might be able to give me sound advice but instead, I just got judged and called names and was told to pay back my OOS debt instead of feeding and housing my family.

For the few collectors that did attempt to reply in a semi-human manner, thank you.

But after all of the sheer hatefulness on this board, I guess I need to get my advice from pro-consumer boards. I tried to get my information the 'right' way - or what you might think is right since this is a collectors forum - but I have a bad taste in my mouth now from all of the nastiness.

In the future, if I ever have to speak to a bill collector - which I don't plan on - I will know what their true character encompasses and be sure to treat them accordingly. I keep reading on this board that you guys fear the business is in serious jeopardy. I agree with you but not for the same reasons -there will ALWAYS be people who don't pay - but because of the character flaws and deficits that define you as an industry. Karma is a bitch and mean people suck.

Go ahead and reply to this all you want - I won't be reading this board anymore. Won't even bother to log on. So score one for you - another debtor gone.

But as much as you claim to hate debtors, we are the reason you all have your $8 per hour jobs.

Now I'm going to hop on over to the terrorist training camp and learn what I can do to bait NCO or other CAs into paying me thousands of dollars. And the reason for that is because of the pricks on this board who angered me. I never would have even dreamed of using the consumer laws to my advantage until a couple of bill collectors on here chose to resort to kindergartenish behavior. It's probably not the most mature way for me to act but hey, I'm just finishing what you started.

I have nothing constructive to add. Just thought this was worth immortalizing.

Oh, and Jeremy (because of course you will be back): You shouldn't let other people define you so easily. A real man would stand up and take responsibility for his own actions - be they honorable or not.

Grow up.





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The FDCPA Litigant Alert
Until 12/31/2009, we are scrubbing collection agency databases 100% FREE! - Details at webrecon.com/free

I'm demanding a raise.

You guys get $8 an hour?!? I'm only making 10 Icelandic krona a day.

I'm demanding a raise.

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Drop the hammer and pick up the shovel. J.A. Dever

I don't really have an opinion on NCO, except to say a few things.

They'll probably leave you alone because you told them your debt is OOS, someday they'll sell it off and away you'll go with someone else.

Go here.

NCO Group Announces Fourth Quarter and Full Year 2008 Results

The thing you should take from this is that, no matter what you may think about NCO, they are VERY VERY GOOD at what they do.



If you ask ME, it's because, for the last couple days, every time I read posts, there's about a half-inch gone from the right side, so the bottom of the post reads top: bot and that's it, so I'm not happy.

ALSO, the job entails 40 hours a week of people screaming at, cursing at, and generally lying to you. All with the knowledge that you can get your company sued for doing that to the CP, but there's no such law for you to sue them. That gets aggravating sometimes, but then you remember that the Cable company doesn't care where their money comes from, but they WILL care if they don't get it , so you push on.

Jeremy, If you are really that interested in what NCO intends to do with your accounts, then you should call them and ask them. Nobody on this board has an inkling about internal processes at NCO. There is no "common practice" among collection agencies related to the questions you have asked. Each one of us has to handle accounts according to the expectations of our clients unless we are working debt we have purchased. In the latter case, there is even less commonality in how things are handled. Only NCO can tell you what NCO plans to do or regularly does.

Funny thing about the law...it lets us do that. Why do you say it like it's something unethical? Oh, I forgot...collectors hate when consumers utilize their lawful rights.



If we scheme and plot, and you KNOW we scheme and plot...why do you fall into the trap so easily? I would think that would make you MORE law-abiding. Guess the quick buck is just too big of a temptation. Entrapping a collector is about as challenging as swatting a crippled fly on the counter.



Seriously? Like the ones who just stole, err, received $750B from Uncle Sam? Like the ones who have been fined millions for predatory lending?

Bankers are not known for a social conscience either. If they had one we wouldn't be in this recession.


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Visit the Credit Terrorist Training Camp - http://www.debtorboards.com

A telephone in the hands of a collector is like a crowbar - it can be used to pry a mouth open wide enough to insert a foot.

Hypocrisy galore here at ARM. Collectors are crying about the likes of myself and Lungbutter handling our business to our benefits in a pro se capacity on the Debt Collections Board here. They demand us to go to The Consumers Board to discuss our "Schemes." Here we are. Yet, we have Tool and The New Guy kicking Jeremy when he's down. Talk about the pot calling the kettle black. This is The "Debtor Board" you asked us to go to. You ask us to avoid inciting on your board, do the same here ! It's a 2 way street boys.