I took the below steps:
- I wrote to the collector a Cease and desist letter. Upon
receiving such a letter the collector must stop immediately
his collection efforts. I have attached a letter in word
format to the NCO company as my own example. Please
note that the second page of the letter incorporate a proof
of service.
- After writing the letter I log all the NCO collector
phone calls to me. Meaning I wrote down the date, the
time, the name of the collector company, the name of
person that made the call, and the nature of the
conversation, such as a threat was made. For example I
was threaten that if I did not pay the amount of money
NCO requested, a lean will be put on my property.
- I filed a complaint to be reimburse for all the phone calls
that NCO made to me after I wrote them the letter . I
have attached my own
small_claims_complaint_as_an example.
It is very easy to do, and there is free legal advise at the
court house.
- A copy of the letter and the log of all the collection calls
NCO made to me after I wrote them the letter must be
provided to the court.
- NCO attorney contacted me prior to the trial, and offer
me a settlement out of court, such as closing the account.
I ask to be compensated for the collection efforts after I
wrote them the letter .
- Please, be careful, the collector may falsify their records
to show they closed the account as soon as they got your
letter this is why I need to bring with me to the court
house the log of the phone calls to show that the collector
did not close the collecting accounts, AND CONTINUED
CALLING ME. I wrote down a summary of all the
conversation with the NCO attorney.
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