Last night we received a very disturbing phone call from hubby's brother who he has not really spoken too in about 8 years. They aren't estranged really, they just don't have anything to talk about.
Big Brother has been receiving numerous harassing phone calls at his home in another state attempting to contact the hubby.
This company had refused to identify them selves, used aggressive language and scare tactics & had a number on the caller ID that didn't ring anywhere. They basically convinced big brother that hubby had used his name and contact info on a credit application and then ran with the goods.
I would like to note, we are paid in full on all of our current bills and I have begun to pay off old balances on things like credit cards that had fallen to the wayside as we were starting our family.
After a quick google search I learned the creditor in question was NCO financial, like many other collection agencies they have a slew of websites devoted to bashing them and their collection practices.
Because this blog is about growth I'm going to share with you things I learn about the collections process and delay with consumer debt. Currently our credit scores are pretty low, around 630. I hope to be able to report back in a few months with a marked improvement in our scores.
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