Stop NCO Financial Harassment Sample Letters & Communications Log You Can Use to Stop Them in Their Tracks!

SAMPLE "SOL Expired" Letter to NCO Financial Services, including Cease and Desist Demand and Validation Request

Your Name
Your Address
City, State, Zip
Date:
NCO Financial Services
Address
City, State, Zip

Re: Acct #XXXXX

To Whom It May Concern

This letter comes in response to your [letter dated xx-xx-20xx] (copy enclosed) or [phone call from xx-xx-20xx], concerning the collection of the above referenced account.

First, I want to inform you that I am well aware of my rights under the Fair Debt Collection Practices Act (FDCPA) and applicable State laws. Having said this, I hope to save both of us a great deal of time by informing you that I formally dispute the validity of this debt. In addition, I am aware that the time period limiting legal actions to enforce this type of debt in (insert your state or the state in which the contract was signed) has expired. Furthermore, I am aware that any attempt to bring an action in court that is time-barred may result in sanctions for filing a frivolous claim.

As of today, I consider this matter closed and demand that your agency and affiliates immediately cease and desist contact with me regarding this matter except to advise me that your debt collection efforts are being terminated. Further communication attempts of any form or substance are prohibited by the Fair Debt Collection Practices Act, 15 USC 1692a, et seq. I plan to report any such violations to my State Attorney General and the Federal Trade Commission and, if necessary, to take whatever legal action is necessary to protect myself.

Thank you for your prompt attention to this matter.
Sincerely,
Your Name

SAMPLE "Cease and Desist" Letter to NCO Financial Services Requesting Verification of Debt and No Additional Contact With Me or Third Parties (Family, Friends, or Employers) Regarding This Debt

Your Name
Your Address
City, State, Zip
Date:
NCO Financial Services
Address
City, State, Zip

Re: Acct #XXXXX

To Whom It May Concern

This will serve as your legal notice under the federal Fair Debt Collection Practices Act (FDCPA) to cease all communication with me in regard to the debt referenced above. Do not contact me, or any third parties regarding this debt.

Furthermore, I formally dispute the validity of this debt. Receipt of this formal dispute letter requires you to provide me with documentation that sufficiently supports your assertions that the above-referenced debt belongs to me and that I owe the exact amount alleged. Please send me copies of the original application for this account, any signatures associated with this account, any bills associated with this account, etc.

You are also notified that should you furnish any derogatory or inaccurate information to any credit reporting agencies, appropriate actions will be taken pursuant to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Thank you for your prompt attention to this matter.
Sincerely,
Your Name

SAMPLE "STOP PHONE CALLS AND LETTERS" (CEASE & DESIST)LETTER TO DEBT COLLECTORS IF THE DEBT DOESN'T BELONG TO YOU

Your Name
Your Address
City, State, Zip
Date:
Name of the Collection Agency
Address
City, State, Zip

Re: Acct #XXXXX

To Whom It May Concern

This will serve as your legal notice under the federal Fair Debt Collection Practices Act (FDCPA), to cease all communication with me in regard to the debt referenced above. Do not contact me regarding this debt.

Furthermore, (I do not owe this debt and have made your agent(s) aware of this fact) or (I am aware that you are allowed to contact me one time for purposes of obtaining location information, and that you have already called me more than once to do this in violation of the Fair Debt Collection Practices Act.) For this reason, any further attempt to contact me would be a violation of the Fair Debt Collection Practices Act.

You are also notified that should you furnish any derogatory or inaccurate information to any credit reporting agencies, appropriate actions will be taken pursuant to the Fair Credit Reporting Act and the Fair Debt Collection Practices Act.

Finally, I formally dispute the aforementioned debt and request that the debt be validated.

Thank you for your prompt attention to this matter.
Sincerely,
Your Name

COLLECTION COMMUNICATIONS LOG
Download this Log as a PDF

Debt Collector Phone Communication Log
Attorney-Client Privileged/Attorney Work Product
Instructions:
  1. After every call you receive, enter the below information into the proper box.
  2. Keep detailed records of everything. For example, if you get a voice mail, save it. If you have caller ID, take pictures of the caller ID screen.
  3. Make notes as to what the collector said, including the amount demanded, any threats, foul language or harassment. Also note if they spoke to or contacted anyone other than yourself, including family, friends, and co-workers.
  4. Give copies of this log to everyone the collector has contacted. Keep copies of this log by every phone you receive collection calls on.
  5. Use as many of these forms as you need, and make your notes as detailed as possible.
Date and Time of Call Name of Collection Company Name of Collector Phone Number THEY Called FROM
       
Please provide details of the call in the box below, and be as specific as possible
 
Date and Time of Call Name of Collection Company Name of Collector Phone Number THEY Called FROM
       
Please provide details of the call in the box below, and be as specific as possible
 
If you receive anything in the mail from a collector, save it, including the envelope! Don’t throw anything away!

 

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