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NCB Management (collection agency) is harassing my family!

 
Brand Nubiss
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User ID: 313253
United States
10/17/2007 10:32 PM
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NCB Management (collection agency) is harassing my family!
These assholes have just starting calling my parent's house and my sister's house!

I am currently in a debt consolidation program and have continued making payments... One late payment many months ago and all these fucking CC companies have canceled our agreement but are still accepting my checks! Citibank for example has jacked my interest rate up to 33% its fucking ludicrrrous!

Wilson Roberts calling out of Bensalem PA
24*-*200
1-800-828-1**0 ext. #1338

Should I call them back?
I figure talking to them is only going to make it worse...
There is no arrangment I can make that I have not already made through my debt consolidation. Besides... I DON"T HAVE ANY FUCKING MONEY!
Conspiracies are based on the assumption that someone knows what their doing.
Brand Nubiss (OP)

User ID: 313253
United States
10/17/2007 10:39 PM
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Re: NCB Management (collection agency) is harassing my family!
Just found their website!

[link to www.ncbi.com]

Guess I don't have to hide their phone numbers now!
(215)244-4200
1-800-828-1110
Conspiracies are based on the assumption that someone knows what their doing.
Anonymous Coward
User ID: 313874
United States
10/17/2007 10:49 PM
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Re: NCB Management (collection agency) is harassing my family!
the worst thing you can do is call them back... never negotiate money over the phone. With the currant state of america, i bet these people are busy.

isn't it strange how you can have no info out there (tele, address, etc) and these pricks still find you?
Anonymous Coward
User ID: 285686
United States
10/17/2007 10:52 PM
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Re: NCB Management (collection agency) is harassing my family!
I thought it was against the law for these fudge packers to harass you.
Anonymous Coward
User ID: 306374
United States
10/17/2007 10:56 PM
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Re: NCB Management (collection agency) is harassing my family!
Do not talk to ANY collection agency OR original creditor on the phone! Period. Just hang up when they call. Get a tape recorder and record any harassing calls (if you feel you must talk to them), and the number of calls and the time of the call. Federal law protects consumers from blatant harassment by third party debt collectors.

Or, do what I did...stop paying all of them. I can no longer afford to pay my CC bills so I stopped.
Anonymous Coward
User ID: 184760
United States
10/17/2007 10:58 PM
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Re: NCB Management (collection agency) is harassing my family!
Do not talk to ANY collection agency OR original creditor on the phone! Period. Just hang up when they call. Get a tape recorder and record any harassing calls (if you feel you must talk to them), and the number of calls and the time of the call. Federal law protects consumers from blatant harassment by third party debt collectors.

Or, do what I did...stop paying all of them. I can no longer afford to pay my CC bills so I stopped.
 Quoting: Anonymous Coward 306374



i bet your credit rating is just peachy.
Brand Nubiss (OP)

User ID: 313253
United States
10/17/2007 11:00 PM
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Re: NCB Management (collection agency) is harassing my family!
How long ago and what happened? I can't go into hiding...
Have wife and a step kid. Also locked into a mortgage at the moment.
Conspiracies are based on the assumption that someone knows what their doing.
Anonymous Coward
User ID: 306374
United States
10/17/2007 11:01 PM
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Re: NCB Management (collection agency) is harassing my family!
Or, do what I did...stop paying all of them. I can no longer afford to pay my CC bills so I stopped.

i bet your credit rating is just peachy.
 Quoting: Anonymous Coward 184760


Yes it is just peachy...but I'm in my home and have 2 cars so I don't need credit right now. Besides, next year credit won't mean much anyway. Oh, and 2 years from now the CC companies will be offering (and granting) me credit cards again.
INQUIRER
User ID: 107302
United States
10/17/2007 11:02 PM
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Re: NCB Management (collection agency) is harassing my family!
ABSOLUTELY NO CONVERSATION BY PHONE to anybody
and forget about giving them your details or even confirming them
like name...etc social security number ETC.

by the way READ the BOOK
CRACKING THE CODE
and find our why all bills are in CAPITAL NAMES with "YOUR NAME "

insted "Your Name"

good luck in the UCC redemption process

[link to www.usavsus.info]
Brand Nubiss (OP)

User ID: 314189
United States
10/18/2007 05:29 PM
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Re: NCB Management (collection agency) is harassing my family!
I was looking through some of the other credit card threads and found this one...
[link to www.godlikeproductions.com]
Lots of advice here! And my situation is very similar to the OPs.
Conspiracies are based on the assumption that someone knows what their doing.
EDUCATE YOURSELF
User ID: 296300
United States
10/18/2007 07:15 PM
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Re: NCB Management (collection agency) is harassing my family!
[link to www.not]

The FDCPA prohibits deceptive, unfair, and abusive practices by third-party
collectors. For the most part, creditors are exempt when they are collecting their own
debts. The FDCPA permits reasonable collection efforts that promote repayment of
legitimate debts, and the Commission’s goal is to ensure compliance with the Act without
unreasonably impeding the collection process. The Commission recognizes that the
timely payment of debts is important to creditors and that the debt collection industry
offers useful assistance toward that end. The Commission also appreciates the need to
protect consumers from those debt collectors who engage in abusive and unfair collection
practices.

HARASSING THE ALLEGED DEBTOR OR OTHERS: In 2006, 21.2% of FDCPA complaints
the Commission received, or 14,656 consumers, alleged that collectors harassed them by
calling repeatedly or continuously. Another 11.5% of FDCPA complaints, or 7,967
consumers, alleged that collectors used obscene, profane or otherwise abusive language.
In addition, 2.3% of complaints, or 1,620 consumers, alleged that collectors called them
before 8:00 a.m., after 9:00 p.m., or at other times that the collectors knew or should have
known were inconvenient to the consumer, while 0.3% of complaints, or 179 consumers,
alleged that collectors used or threatened to use violence if consumers failed to pay. As
percentages of total FDCPA complaints, the complaint levels for each of these types of
harassment or abuse declined slightly from their 2005 levels.
CONTINUING TO CONTACT CONSUMER AFTER RECEIVING “CEASE COMMUNICATION”
NOTICE: The FDCPA requires debt collectors to cease all communications with a
consumer about an alleged debt if the consumer communicates in writing that he wants
all such communications to stop or that he refuses to pay the alleged debt.18 This “cease
communication” notice does not prevent collectors or creditors from filing suit against the
consumer, but it does stop collectors from calling the consumer or sending dunning
notices. In 2006, 2.9% of FDCPA complaints, or 2,032 consumers, alleged that
collectors ignored consumers’ “cease communication” notices and continued their
aggressive collection attempts, down slightly from 3.1% in 2005.
Anonymous Coward
User ID: 279669
United States
10/18/2007 07:39 PM
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Re: NCB Management (collection agency) is harassing my family!
bump
Anonymous Coward
User ID: 314250
United States
10/18/2007 07:42 PM
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Re: NCB Management (collection agency) is harassing my family!
The best thing to do is not pay, throw their letters away and unplug the phone.
If they send the sheriff for lawsuit go to court see if they show and arrange payments then at that time. If they don't show they lose.
Throw the cards away.
Wait 7 years start a new or get a secured card and buy to rebuild credit.

I had wrecked credit from some credit purchases defaulted and started with a small $200 credit line to build my house. I got 2 or 3 more small cards, then increased credit line until the line was $10,000 per card.

I have since cut them up, after buying a bunch of silver.
Brand Nubiss (OP)

User ID: 314841
United States
10/21/2007 06:14 PM
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Re: NCB Management (collection agency) is harassing my family!
RE: Target National Bank
Acct#: 4352373387766642
File#: 1002220647
Balance: $3,915.11

Date: 10-12-2007

Dear Brand

Your delinquent account has been referred to this office for collection.

You are directed to address all future correspondence and payments concerning this account to NCB Management Services, INC.

Please us the enclosed self-addressed envelope and put your file number in the memo portion of your check to ensure proper credit to your account.

Sincerely,
Pat Nelson, Debt Collector

_____________________________________________________________​_____________________

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days of receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of judgement, if any, and mail you a copy of such judgement or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. This comminucation is from a debt collector. The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose.
_____________________________________________________________​____________________

BTW THE WHOLE LETTER IS WRITTEN IN CAPITOLS!
Conspiracies are based on the assumption that someone knows what their doing.
mopar28m
Lev. 23:15-22

User ID: 315507
United States
10/21/2007 06:22 PM

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Re: NCB Management (collection agency) is harassing my family!
Did you write them back within the 30 day period? If you contested the debt within 30 days, the collection calls will stop.

Also, do some research, there may be a law in your state that you can tell the collection agencies specific times in which they can call you. (Ex. when you & your wife are at work & NOBODY is home.) Leave the machine off. They'll complain about not getting ahold of you but that is tough on their part.
vaccinefreehealth.spam

vaccinefreehealth@hushmail.com

Racin​g to end vaccinations.
Anonymous Coward
User ID: 239210
Canada
10/21/2007 06:41 PM
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Re: NCB Management (collection agency) is harassing my family!
These assholes have just starting calling my parent's house and my sister's house!

I am currently in a debt consolidation program and have continued making payments... One late payment many months ago and all these fucking CC companies have canceled our agreement but are still accepting my checks! Citibank for example has jacked my interest rate up to 33% its fucking ludicrrrous!

Wilson Roberts calling out of Bensalem PA
24*-*200
1-800-828-1**0 ext. #1338

Should I call them back?
I figure talking to them is only going to make it worse...
There is no arrangment I can make that I have not already made through my debt consolidation. Besides... I DON"T HAVE ANY FUCKING MONEY!
 Quoting: Brand Nubiss


I know all about this, as my wife went through this exact process. Firstly, were all your loans covered on the Proposal? I mean did you miss any creditor and do you have any secured loans?

Anyhow, my advise to you is to first of all, call them back and tell them politely that you have entered into an agreement to pay back what you are owing through a Consumer Proposal or Credit Counciling Service. Ask them if they have ever heard of this before and then proceed. Many of these clowns simply are not aware about this process and also they may have gotten the letter (the one your Trustee sent them) sent to the wrong branch or head office and thus they will act as though they never got anything.

Just remember that by law, they can get into some trouble for calling you after the judge has already signed off on the agreement. Also, while you do this (call them back), have your family call their phone provider and file a complaint for harassment if it continues. Your family and pals are not fucking co-signors and it's against the law to call them and also a violation of the Proposal itself that was signed into law that they must not call you or anyone else other than the TRUSTEE or company you dealt with

Now... call them back - each one of the little fuckers - be nice and tell them "here is my trustee's phone number" and that by law you are not supposed to be speaking directly with them etc. If they get mad, tell them nicely that "it's a good proposal I signed into etc" and that your "Trustee can deal with" them on "all the details" etc.

Expect to be called more often for another little while. just put it off your mind that they are not aware of the law and that you are in the right.

So just for now, call them back and remind them of the law. After a few months, change your phone number to "de-listed" and get call privacy because you'll be hearing less from these idiots by now, so who cares if you miss a few calls? What you want also, is to have the family not be badgered, so calling them back will certainly help a little bit.
Brand Nubiss (OP)

User ID: 314841
United States
10/21/2007 06:56 PM
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Re: NCB Management (collection agency) is harassing my family!
At least these people are willing to deal.

Just know that the balance they are claiming includes well over 6 months of 33% interest and late fees of $40 a month.


United Recovery Systems LP
"To give real service you must add something which cannot be bought or measured with money, and that is sincerity and integrity."
~~Donald A. Adams
[link to www.ursi.com]

_______________________________________
Date: Oct 12th, 2007
Creditor: Citibank South Dakota N.A.
Account No.: 5424180392322027
URS No.: 07870131
Account Balance: $4,760.49
Telephone: 1-888-505-1573, ext 4312
Call Our Office 24 Hours A Day
_______________________________________
SETTLEMENT OFFER
$2,856.29 IN 3 PAYMENTS

Our client Citibank South Dakota N.A. is offering you a settlement of $2,856.29 in 3 payments over 3 months starting on October 26, 2007.

Once all three (3) payments of $952.10 each have been paid to our office on time, we will consider this account settled in full.

Each payment must be received by the due date or this settlement will be cancelled. If the settlement is cancelled any payments already received will be credited towards the full balance. Please send in your payment along with the payment stub to the address listed on the coupon.
Our client is required to file information returns on form 1099C with the IRS for any forgiveness of $600 or more. Please consult your tax advisor if you have questions.

Please call our toll free number, 888-505-1573 to confirm your interest in the settlement offer or to explain your circumstances.

Sincerely,
Marcella Adams ext 4312
United Recovery Systems, LP

This communication is from a debt collector. We are required to inform you that this is an attempt to collect a debt and any information obtained will be used for that purpose.
Conspiracies are based on the assumption that someone knows what their doing.
Anonymous Coward
User ID: 239210
Canada
10/21/2007 07:01 PM
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Re: NCB Management (collection agency) is harassing my family!
Oh... and if they ever threaten to sue you, don;t panic just tell them that you still would appreciate it if they could please speak to your Trustee and say "goodbye", or whatever.

They cannot sue you and hope in a chance of hell to win because all your defense needs to be is "circumstances arose which prevented me from paying it all back" etc.

Not to mention that the Proposal (most of them) are usually going to be paying pay almost the full principle owing. And that is why most major banks will ACCEPT the Proposal and not bother you as much as the smaller creditors.

The smaller creditors always threaten you more because they feel the loss more than do the larger banks.
Anonymous Coward
User ID: 239210
Canada
10/21/2007 07:06 PM
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Re: NCB Management (collection agency) is harassing my family!
At least these people are willing to deal.

Just know that the balance they are claiming includes well over 6 months of 33% interest and late fees of $40 a month.


United Recovery Systems LP
"To give real service you must add something which cannot be bought or measured with money, and that is sincerity and integrity."
~~Donald A. Adams
[link to www.ursi.com]

_______________________________________
Date: Oct 12th, 2007
Creditor: Citibank South Dakota N.A.
Account No.: 5424180392322027
URS No.: 07870131
Account Balance: $4,760.49
Telephone: 1-888-505-1573, ext 4312
Call Our Office 24 Hours A Day
_______________________________________
SETTLEMENT OFFER
$2,856.29 IN 3 PAYMENTS

Our client Citibank South Dakota N.A. is offering you a settlement of $2,856.29 in 3 payments over 3 months starting on October 26, 2007.

Once all three (3) payments of $952.10 each have been paid to our office on time, we will consider this account settled in full.

Each payment must be received by the due date or this settlement will be cancelled. If the settlement is cancelled any payments already received will be credited towards the full balance. Please send in your payment along with the payment stub to the address listed on the coupon.
Our client is required to file information returns on form 1099C with the IRS for any forgiveness of $600 or more. Please consult your tax advisor if you have questions.

Please call our toll free number, 888-505-1573 to confirm your interest in the settlement offer or to explain your circumstances.

Sincerely,
Marcella Adams ext 4312
United Recovery Systems, LP

This communication is from a debt collector. We are required to inform you that this is an attempt to collect a debt and any information obtained will be used for that purpose.
 Quoting: Brand Nubiss



Cancel the checks and move to another Trustee. Start over fresh if they will not take you back.
Brand Nubiss (OP)

User ID: 314841
United States
10/21/2007 07:08 PM
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Re: NCB Management (collection agency) is harassing my family!
Only problem is we are not on great terms with our debt consolidators. Their screwing up in communicating with us is one reason our cards defaulted back to ludicrous interest rates!
Conspiracies are based on the assumption that someone knows what their doing.
Anonymous Coward
User ID: 239210
Canada
10/21/2007 07:14 PM
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Re: NCB Management (collection agency) is harassing my family!
Only problem is we are not on great terms with our debt consolidators. Their screwing up in communicating with us is one reason our cards defaulted back to ludicrous interest rates!
 Quoting: Brand Nubiss


My wife first went through a government agency. Then she decided to start borrowing money again from other companies without telling them about her current proposal. Well, I do not know how she got the new loans but then she defaulted in them too! So now she was getting calls from the new creditors to pay her and she could not go back and include it in her Proposal as that would be seen as very "naughty".

She had to go to another Trustee (privately) and she to pay about $3000 extra to cover their service. Thankfully it was added to the total amount owing in her Proposal!

Anyhow, you need to find out if they will take you back as a client and if they will not do their job and notify the proper creditors, it's still not your problem.
Anonymous Coward
User ID: 239210
Canada
10/21/2007 07:19 PM
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Re: NCB Management (collection agency) is harassing my family!
Otherwise, find a new debt consolidator and setup a brand new payment plan.

If you don;t have the money - you simply don;t have the money. They cannot through you in jail. All they can really do is harass you.
Anonymous Coward
User ID: 313859
United States
10/21/2007 07:24 PM
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Re: NCB Management (collection agency) is harassing my family!
Your best bet is to file for BK...if not, then either wait till the Statute Of Limitations becomes active--usually 3 to 4 years, or wait and see if they take you to court.

If they don't, and the Statute of Limitations goes into effect, then you just have to wait till the "defaults" are removed from your Credit Report, which is a total of 7 years from the date of delinquency.

Bankruptcy will stay on your Credit Report for 10 years, but you'll start getting offers for credit within the first 2 years since the credit companies know that BK debt is no longer collectible.

Remember, once your debt is written off by the primary lender, it will be sold to a "third-party" debt collector...And even if you settle with them or wait for the debt to be removed from your Credit Report, they will always hound you for the money....They buy debt for 'pennies on the dollar' and will make a profit for anything they can collect. These assholes can even call or send you a letter on 20 year old debt.
Brand Nubiss nli
User ID: 340602
United States
12/16/2007 05:58 PM
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Re: NCB Management (collection agency) is harassing my family!
RE: Target National Bank
Acct#: 4352373387766642
File#: 1002220647
Balance: $3,915.11

Date: 10-12-2007

Dear Brand

Your delinquent account has been referred to this office for collection.

You are directed to address all future correspondence and payments concerning this account to NCB Management Services, INC.

Please us the enclosed self-addressed envelope and put your file number in the memo portion of your check to ensure proper credit to your account.

Sincerely,
Pat Nelson, Debt Collector

_____________________________________________________________​_____________________

Unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid. If you notify this office in writing within 30 days of receiving this notice that you dispute the validity of this debt or any portion thereof, this office will obtain verification of the debt or obtain a copy of judgement, if any, and mail you a copy of such judgement or verification. If you request this office in writing within 30 days after receiving this notice, this office will provide you with the name and address of the original creditor, if different from the current creditor. This comminucation is from a debt collector. The purpose of this letter is to collect a debt. Any information obtained will be used for that purpose.
_____________________________________________________________​____________________

BTW THE WHOLE LETTER IS WRITTEN IN CAPITOLS!
 Quoting: Brand Nubiss

Date: 11-26-2007

Dear Brand,

IN THE PAST YOU HAVE RECEIVED NOTICE REGARDING YOUR DELINQUENT ACCOUNT.

WE HAVE NOT RECEIVED YOUR RESPONSE OR PROMISE TO MAKE SATISFACTORY ARRANGEMENTS IN ORDER TO RESOLVE THIS ACCOUNT.

YOUR NON-COMPLIANCE MAT RESULT IN THIS OFFICE RECOMMENDING TO OUR CLIENT THAT THEY PROCEED WITH SUCH ACTION AS THEY DEEM APPROPRIATE.

SINCERELY,

WILSON ROBERTS
800-828-1110x1338

So exactly what is this suppose to mean? I assumed their client was proceeding with action by hiring them! They can't attach wages or go into your bank account for CC debt can they? And there isn't hardly anything they can repo seeing as we didn't use our credit to buy a bunch of crap! Can they put a lean on the house?
Anonymous Coward
User ID: 221498
United States
12/16/2007 07:13 PM
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Re: NCB Management (collection agency) is harassing my family!
There are form letters available on the net, but a collector of any debt that you have has to be able to prove your debt. You find the form letter (which lists provisions and statutes of the Fair Credit Reporting Act) and send it certified mail (so you can prove they got it - and don't forget to keep a copy of the letter). The letter should give them a 30 day time period in which they can mail you the proof of debt and it states that during that time period, they are to cease and desist from all attempts at collection. Once the debt has been verified, then you can determine how you want to move forward.
Anonymous Coward
User ID: 341102
United States
12/16/2007 07:26 PM
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Re: NCB Management (collection agency) is harassing my family!
Over 10 years ago, my husband's brother and his wife ran up $250,000 in credit card debts. They repossessed his car, of course, and harrassed him. They also somehow found our and his mother's phone numbers and harrassed us as well, for years - seriously. I kept telling them that we hadn't seen them in over 10 years (truth), and we didn't know where they were. We kept getting the harrassing calls that were for him. It was ridiculous. And his mother in a wheelchair getting the calls - that is just so not right.

Now he has been working for Boeing in Seattle making good money for almost 10 years - we have been in touch with him over the past couple of years. He bought a Ford Explorer, but he paid 22% interest. He has never paid back any of that $250K. Just FYI. His credit sux but basically he got away with getting $250K, pretty much.
Anonymous Coward
User ID: 276543
United States
12/16/2007 07:40 PM
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Re: NCB Management (collection agency) is harassing my family!
This has nothing to do with your problem Nubis but it might help others. When I had all this credit problem I settled for less usually for somewhere between 25-35 cents on the dollar on 4 seperate cards I was able to borrow that money from my dad which was 10K and paid him back in 1 1/2 yrs. These are still on my credit report but do not count as that bad -come off this year 08- and NO MORE FUKKIN PHONE CALLS. Now my wife had some crad she paid off in 04 that seemed to have come back recently to haunt us-the lawyers slapped us with a lien on our house-they said they had a court date which we did not attend--Maybe but I doubt it. We took them to small claims court for --" SHOW CAUSE" that we owed this money since so many things on the numbers were fucked up. After 3 court appearances and them asking each time to settle they could not show the Docs that she had owed this money. The first time they ask the judge by letter citing all these cases that your shit and should not be listened to. I know this can't help you know but you can file in court to stop the harrassment amongst other things . I have a thread saved from here I will try to find to help you. Anyway our lien is vacated at the loss of 3 days of work and about 25$.
Anonymous Coward
User ID: 276543
United States
12/16/2007 07:41 PM
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Re: NCB Management (collection agency) is harassing my family!
[link to www.fair-debt-collection.com]
Brand Nubiss nli
User ID: 347341
United States
01/02/2008 10:28 PM
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Re: NCB Management (collection agency) is harassing my family!
Outstanding account balance > $7,098.46

Citi will reduce you outstanding balance by: > $4,188.09

To accept this Settlement Offer, call 1-866-514-1611 > $2,910.37

Settlement Deadline: 01/15/08

December 20, 2007

We're making a great offer.
The next move is yours.


Dear Brand's Wife,

I noticed you have fallen far behind in your payments. I hope this settlement offer comes as a welcome relief and will help make things easier for you. We are prepared to settle your oustanding Citi Card Balance for a substancially lower amount. If you wish, you may even pay in installments. We also have many other options we would be happy to discuss with you.

VERY IMPORTANT. Please call 1-866-514-1611 to take advantage of this settlement offer or to find out about other ways we can help you. If we do not hear from you, your account will eventually be written off as a bad debt and may be sent to a collection agency of attorney. If that happens, this off will no longer be available and you will once again be responsible for the full amount.

This really is a good way out of an unfortunate situation. I hope you will call me today so we can work on this together and put it behind us.

Here's what we can do for you when you call.

-Once we agree to a settlement and receive your first installment payment, interest charges on your account will be stopped pending receipt of all required payments when due.

-When you settle with Citi and the installment payments as agreed, we can put a stop to collections calls and letters about your account.

-After you finish paying the reduced amount we agree on, your account will have a zero balance and will be reported as such to the credit reporting agencies.

We've been able to help other Citi card members and we would like to help you, too. When you call, we can talk about the different options we have to help you as simply and painlessly as possible. But there's not time to waste and taking care of this will never be any easier than it is right now.

Please call us today at 1-866-514-1611 so we can work something out.

Sincerely,

T. Wingfield
Vice President
Citicorp Credit Services, Inc. (USA)

Note:
-You must call the toll-free number provided and speak to a representative in order to accept our settlement offer. Simply mailing in a payment for the settlement amount without speaking to a representative may not result in completely settling the debt on our system.

-If you agree to pay the settlement by installments but fail to pay them when due, the balance(less installments paid) and contract terms in effect immediatly before the settlement will be reinstated.

-Whenever more than $600 of a debt is forgiven as a result of settling a debt for less than the balance owing, we are required to report the amount of debt forgiven to the Internal Revenue Service on a 1099C form, a copy of which will be mailed to you.

This is our largest card.

Here's the balance offer on another one of our Citi Cards.

Balance > $3,136.52
Reduce by: > $1,819.18
Settlement amount > $1,317.34


So a few things of about this letter I noticed...

"If we do not hear from you, your account will eventually be written off as a bad debt and may be sent to a collection agency of attorney."

So are they saying that they might just forgive the whole balance?

And whats this about reporting to the IRS? Does this mean that we are going to be taxed on this forgiven debt?
Anonymous Coward
User ID: 349248
Canada
01/02/2008 10:39 PM
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Re: NCB Management (collection agency) is harassing my family!
BESIDES 3RD PARTY AGENCIES CAN'T DO SHIT. THEY CAN CALL ALL THEY WANT BUT THAT'S IT. ALL SMOKE AND MIRRORS YOU FOOL.
Brand Nubiss nli
User ID: 347341
United States
01/02/2008 10:41 PM
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Re: NCB Management (collection agency) is harassing my family!
OHHHHH SHUT THE FUCK UP DEBTOR!

YOU DESERVE IT LIKE ANY OTHER FUCKING USER OF CREDIT. AND IT'S YOUR OWN FAULT YOU'RE LETTING THE CONSOLIDATION 'COUNSELLORS' FUCK YOU UP EVEN MORE.

JUST GO BANKRUPT OR DEAL WITH IT CHAMP.
 Quoting: Anonymous Coward 349248

The whole monetary system is fucked and your telling me to just deal with it?

You can't loan out more money then you have... So what the fuck is it exactly that I owe these CC companies?

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