Debt Collection Agencies

Were you recently contacted by NCO Financial Systems Inc?

NCO Financial Systems Inc


507 Prudential Road
Horsham, PA 19044-2308

Many Americans like you are being contacted by collection agencies who are trying to get payments on defaulted accounts they have acquired or been assigned. Even though you may owe a debt, you still have rights.

You should dispute the debt in writing if you feel as if the dollar amount the collection agency is requesting is inaccurate, if you feel the debt is not owed or if you feel the debt is fraudulent. You can send a letter to the collection agency within thirty days of first being notified of the collection. You should send this letter via certified mail so that you can prove that they received it. In response to your dispute, the collection agency must cease collection activity until they send you some sort of validation of the alleged debt. They can resume their collection efforts again once they produce proof of your debt.

The Fair Debt Collection Practices Act (“FDCPA”) regulates what debt collection agencies may and may not do. There are many things collection agencies cannot do or say when contacting you. Collection agencies may not:

  • use abusive or obscene language;
  • call before 8am or after 9pm;
  • call you repeatedly;
  • call you at work, if they know that your employer does not permit personal calls;
  • contact any third party and state that you owe a debt;
  • threaten to have you arrested or imprisoned.

    If any of these things occur, your best option is to consult with a consumer protection attorney.

  • My son is in college. He is trying to finish school. You would think that a company such as NCO Financial Systems would use common sense and say they would like to help. Instead NCO Financial Systems is intentionally trying to damage his credit and his buying power by keeping one item on his credit report which should be removed because he has paid the amount in full, with the agreement that NCO Financial Systems will remove it from his credit report immediately. The amount due is related to a medical bill. My son had an injury while he was in school and could not pay it at the time. Other companies have done this for him. They recognized that fact and there should be no legitimate reason for NCO Financial Systems not to remove the item after it is paid in full.

    Sheila Thomas

    NCO Financial Systems Inc showed up on my credit bureau report. I requested validation of the debt from NCO Financial Systems Inc as it’s not mine. I have proof and a letter from the alleged original creditor. I sent this via certified mail, return receipt requested. NCO Financial Systems Inc didn’t pick it up and it was returned to me unclaimed.

    Shelly O.

    Eight years ago I moved into a house. I ended up signing a form for Direct TV. They installed it. A week later their could not fullfill their promise according to the contract, so after a week was up, I told them I did not want Direct TV anymore because of the broken promise. The next day Direct TV came out and uninstalled the installation. I paid them for a month and I only had it for a week.
    5 years ago, I received a call from my bank and they asked me if I was aware that Direct TV took out $754.00 from my bank account. I told them no I did not authorize that and eventually the bank got my money back. I can not believe that they tried to steal money out of my account without my authorization or knowledge. Well they eventually sent it to NCO Financial and it went on my credit report. In the mean time NCO Financial has kept harassing me with letters for quite a few years now, threatening me. We are trying to move from one town in Colorado to another town 120 miles from where we live. We found a house we want to move to but because of Direct TV and NCO Financial I cannot get it unless I pay $576.21. We are desperate to get out of the town we live in as too much corruption and we have kids. So to be approved by the real estate person and the owner, we had to pay this bill, or we lose the house. We paid by credit card and now we are hoping to get the house, but we are not sure. We still may lose the house, even though we paid NCO Financial and I did not really owe any money to them or Direct TV as it was cancelled after a week. I want to sue NCO Financial and Direct TV, for theft and the money we paid, but did not owe. Wish someone would be able to help me do this. I suggest that no one go with Direct TV as they have hurt other friends of mine also.


    I had an outstanding balance with Bell TV and the phone calls from NCO Financial Systems start at 8 o’clock in the morning and end at 9 at night trying to tell me I owe them $800 when my bill was only $100. NCO Financial Systems is rude. I have told the people at NCO Financial Systems not to call me till after 5 pm and they don’t listen at all.

    Taylor H.

    NCO Financial Systems Inc harasses us from 8 am until after 9 pm. The account NCO Financial Systems Inc is harassing us about has been paid for several years.


    NCO Financial Systems Inc calls from 8662393195, 8662872543, and
    8008970308. NCO Financial Systems Inc isn’t even calling for me. NCO Financial Systems Inc continues to ask me my name. It’s none of their business. I’m not who NCO Financial Systems Inc is looking for, so the call should end there. But it doesn’t. NCO Financial Systems Inc just calls back to ask more questions of me. NCO Financial Systems Inc even asked for my social security number after I told them I wasn’t the person they said they were looking for. I told them to go fly a kite.

    Paul B.

    * Vullings Law Group, LLC is not responsible for the content of the comments written above and it does not endorse the ideas or opinions therein.

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