Month: June 2012

A very common message is being left by many debt collectors around the country.   Just about anyone who has a collection company pursuing them has heard it.    The message starts with the caller not identifying who they are, but seeking their debtor, “This message is for Jane Doe.  If this is not Jane Doe, hang […]

One of our clients came to us with a harrowing story of how Creditors Collection Service engaged in a campaign of harassment and abuse to attempt to collect a debt it believed was owed.   The collector at Creditors Collection Service told the consumer that she was an attorney – she was not.  Moreover, the collector […]

Your credit report is private.  It contains very personal information about your financial status and reputation among your creditors.  Because of the sensitivity of this information, Congress, in enacting the Fair Credit Reporting Act placed limitations on who may obtain a copy of a consumer’s credit file.  The people or companies that can gain access […]

About Diversified Collection Services Diversified Collection Services was founded in 1976 .  They are also known as DCS, Inc. and is a Performant Financial Corporation company.  DCS Inc. is headquartered in Livermore, California.  The specialize in collecting student loans and delinquent income taxes. Is Diversified Collection Services  Harassing You? The complaints filed against Diversified Collection Services […]

Northwest Collectors Inc., also known as NCI,  has been in business since 1970.  They are not accredited with the Better Business Bureau.  Their website says that they were founded because they felt a need for “a competent and responsible organization to accommodate the collection needs of the credit community in an efficient and ethical manner […]

One of the nations largest debt collection agencies, Portfolio Recovery Associates has had numerous complaints against it for its debt collection practices.  There have been reports of ignoring cease and desist letters, misrepresenting amounts of the debt, misrepresenting information to credit bureaus, and harassment and abuse.   Portfolio Recovery Associates does not just collect debts.  They […]

About Convergent Healthcare Recovery Convergent is one of the largest companies in the debt collection industry.  They were founded in 1998.  They have more than 2600 employees in t in 10 states including Texas, New York, Georgia, Alabama and Florida. Their website boasts that their success is from using their unique business approach by “providing […]

Often times a consumer will contact us and claim that they sent notice to a debt collector to “cease and desist” but the collector continues to contact them.   Surely our knee jerk reaction is to think that there is a clear violation of 15 U.S.C. 1692c(c).  According to this section, if a consumer advises a […]

NCO Financial Systems is one of the country’s larges debt collection companies.  Along with being one of the largest debt collectors comes a multitude of complaints and lawsuits filed against them for nearly every form of harassment.    Complaints have been made regarding the volume of calls they make to a debtor, disclosure of a debtor’s […]