Tuesday, July 9 2013, 08:43 PM MDT
Debt Collector to Pay for Breaking Collection Rules
By Matt Gephardt
Edited by Aaron Colborn
(KUTV) If you owe a debt, and that debt goes to collections, you have the right to not be harassed. Debt collectors can't yell at you, or swear at you, or lie to you in any way. They are forbidden from contacting you early in the morning or late at night and they can't order you to pay for a debt that you do not owe.
But one group of debt collectors is accused of ignoring some of those rules, harassing people around the world and right here in Utah.
In 2007, Nick Ross got a notice from N.C.O. Financial Systems. It says he owes $13,600.
“[The notice]'s got my name and address, but the debt is bogus,” he told Get Gephardt.
Nanita Whitman got a similar letter from N.C.O. They want $10,800 for a debt that Nanita says is not hers.
"It's just enough to almost give you a heart attack,” she said. “I mean, my god, $10.000. It's unbelievable."
Nanita says that when she called N.C.O., all they did was confirm the debt, and order she pay. She and Rick decided to Get Gephardt. We tried several times to contact the debt collector but they never returned our calls. However, they did not ignore the Federal Trade Commission.
The FTC says N.C.O. Financial is a subsidiary of Expert Global Solutions which this week was fined $3.2 million for violating the Fair Debt Collection Practices Act.
The settlement is the largest the FTC has ever collected from a third-party debt collector.
(Copyright 2013 Sinclair Broadcasting Group)