Comment Re:Okay, I just called them (Score 2, Informative) 128
According to the Fair Debt Collection Act, a credit collection agency is NOT allowed to do any of the following: (a) they may not call you on the phone without prior authorization from you to do so, (b) they may not mention your debt to any third party (ie: your family, employer, business associates, employees, etc), (c) they may not visit you in person without prior consent from you to do so. In fact, without recorded voice permission, or written consent from you, the only contact option they possess is to type up the request for payment, lick it and put a stamp on it.
These restrictions do not apply to the original creditor (ie: AT&T can call you about a phone bill, and Sears can call you about your credit card payments), though they aren't allowed to mention the debts (see part B) to any third parties either, and visiting in person can easily be turned into a matter of criminal trespass, resulting in the arrest and removal of the in-house collection agent.
According to NCO's web site, they appear to be a third-party collection agency. They can't call you to collect a debt unless you've given them permission to do so.
These restrictions do not apply to the original creditor (ie: AT&T can call you about a phone bill, and Sears can call you about your credit card payments), though they aren't allowed to mention the debts (see part B) to any third parties either, and visiting in person can easily be turned into a matter of criminal trespass, resulting in the arrest and removal of the in-house collection agent.
According to NCO's web site, they appear to be a third-party collection agency. They can't call you to collect a debt unless you've given them permission to do so.
