You’re sitting at home after a long day, and your phone rings again. It’s NCO Financial — the same number that’s been calling for weeks. Maybe they leave voicemails, maybe they speak rudely, or perhaps they keep contacting you even after you asked them to stop.
This constant pressure can feel overwhelming. You might start dreading your phone, wondering if you’ll ever get peace again. But here’s what you need to know: you have rights, and you can make it stop.
Debt collection harassment isn’t something you should endure silently. The law protects you, and legal advocates like those at Protection for Consumers can help you take back control.
Who Is NCO Financial?
NCO Financial Systems, part of the Transworld Systems network, is a well-known debt collection agency. They collect on behalf of banks, credit card companies, hospitals, and other lenders. Like many large collection agencies, their methods sometimes cross the line — calling too often, using aggressive language, or contacting you at inappropriate times.
Consumers across the country have filed complaints with the Consumer Financial Protection Bureau (CFPB) and the Federal Trade Commission (FTC) for repeated harassment, threatening messages, and attempts to collect debts that were already paid or not even theirs.
What Counts as Harassment?
Under the Fair Debt Collection Practices Act (FDCPA), debt collectors must follow strict rules. NCO Financial cannot:
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Call you before 8 a.m. or after 9 p.m.
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Contact you at work after you’ve told them not to.
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Use threats, insults, or abusive language.
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Keep calling repeatedly to annoy or pressure you.
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Share your debt information with others.
They’re also restricted under the Telephone Consumer Protection Act (TCPA), which protects you from robocalls and automated messages without consent. Learn more about your rights at Consumer Advocates.
If you’ve experienced any of these, you may be able to sue NCO Financial for harassment and recover damages.
Steps to Stop NCO Financial Harassment
1. Tell Them to Stop Contacting You
Send a written notice asking NCO Financial to stop all communication. Under the FDCPA, once they receive this, they can only contact you to confirm or inform you of legal action.
2. Keep Records
Document every call, voicemail, letter, or message. Save screenshots, record call times, and note what was said. This evidence helps your attorney prove harassment.
3. Report to the Authorities
You can file a complaint with the CFPB or your state’s attorney general. You can also report them to the FTC for FDCPA or TCPA violations.
4. Get Legal Help
If NCO Financial has violated your rights, you may be entitled to compensation. Protection for Consumers has attorneys who specialize in debt collection abuse cases. They can handle communication on your behalf, guide you through legal steps, and help you stop the harassment for good.
Why Choose Legal Support?
Trying to deal with debt collectors on your own can feel exhausting. You don’t have to. Law firms like Protection for Consumers understand both the FDCPA and TCPA and know how to protect you effectively.
Whether it’s NCO Financial, Transworld Systems, or PRA Group, the same legal standards apply. A professional legal team can stop harassing calls, defend your rights, and even help erase false debts.
Explore your rights under:
These laws exist to protect consumers like you.
Similar Cases and Legal Insights
NCO Financial isn’t the only collection agency accused of harassment. Consumers have also faced issues with companies like Pioneer Holdings and Advantage Financial Services. In many of these cases, clients received calls multiple times per day, despite asking the collectors to stop.
Each of these situations was resolved through the help of Protection for Consumers and their partner attorneys, who secured relief for those affected.
If you’ve been harassed by NCO Financial, remember — the law is on your side, and help is available.
FAQs About NCO Financial Harassment
1. What should I do if NCO Financial keeps calling me?
Tell them in writing to stop contacting you, and report their behavior if it continues.
2. Can I sue NCO Financial for harassment?
Yes, under the FDCPA, you can sue for damages if they violate your rights.
3. What damages can I recover?
You may recover up to $1,000 in statutory damages, plus compensation for emotional distress or other losses.
4. Are automated calls from NCO Financial illegal?
Yes, if you didn’t consent to them. The TCPA prohibits robocalls without permission.
5. Can NCO Financial call my employer?
No. They cannot discuss your debt with anyone except you, your spouse, or your attorney.
6. How do I file a complaint?
You can report them to the CFPB or FTC.
7. What if the debt isn’t mine?
Dispute the debt in writing. They must stop collecting until they verify the debt.
8. Can they call after 9 p.m.?
No. Calls before 8 a.m. or after 9 p.m. violate the FDCPA.
9. What if I’ve already paid the debt?
Provide proof of payment and demand that they stop contacting you immediately.
10. Do I need to pay for legal help?
Many law firms, including Protection for Consumers, offer free consultations and take cases on a contingency basis — meaning you pay nothing unless they win.
Take Back Your Peace
You don’t deserve to live in fear of your phone. The law gives you the power to stop NCO Financial’s harassment and move forward with confidence. Whether you’re being called nonstop or falsely accused of owing money, help is just a message away.
Reach out to Protection for Consumers today for a free, confidential consultation and end the harassment once and for all.
