I have an outstanding credit card with the army exchange. I am retired coast guard and have had some rough times since I have retired in 05. We did owe about $5,000 on this card but trying to stay above water with my mortgage we let the credit card get behind. A company called NCO called my work looking for me so I tried to call them back over a 5 day period with no luck getting through. I got hold of a person named Todd Lane who had called my work looking for me. He is from NCO. I talked to him on 1/19/09. He informed me that this is a federal debt and is worse than bankruptcy. He told me that I owed $6900 and that the federal government was going to garnish my retirement and any tax returns. He then told me that if I paid him $2075.00 now and $400.00 a month he would not send a fax to my job and start a min 15% wage garnishment at my regular job. I told him that I did not have that much money to put down but could pay him 400-$500 a month. He said I needed to go to a bank and get a loan to pay him. He tried pushing the Navy Federal Credit Union on me. I told him that I could not pull a loan with my credit the way it was and we are trying to heal my credit. He wanted me to get a co-signer for a loan. I told him that I needed to talk to my wife about this. He said I had 24 hours before he sends a fax to my work and garnish my wages. I don’t know where to go with this. I want to work with them but I can’t get my job involved. Please help me.

One collection agency called Calvary Portfolio services called my mother’s home on a Sunday afternoon asking for someone named Buckner which is not us. They called many times before but ignore the fact that we told them that no Buckner lives here and we do not know a Buckner. Portfolio Recovery has called my mother’s house numerous times looking for a person named Joyner, she told them each time no Joyner lives there and we do not know a Joyner. I have called them twice about this issue and each time they tell me they took my mother’s number out of their database. The numbers are all 800 numbers I had to *69 them because my mother is elderly and doesn't know how to confront them. Can I get a list of 800 numbers that called from my phone company? My mother’s number is in my name, and I have had this number for years. I have no debt in collection myself and my credit/debt/liabilities are current with a high FICO score. My mother owes nothing and is not in any default. Do I have cause for legal action beyond filing a complaint with the FTC?

NCO bought my debt from Am Express. They called my ex husband and told him he was responsible for 1/2 of the bill and they would sue, him for at least 1/2 if not all, they would lien his house and garnish his wages. I called AMEx and they said he is not the cardholder. I contacted NCO-Beverly and she gave me the same response said I had until 1/30 to get together at least 15,000 to pay the debt down to a reasonable amount or they would sue, garnish, lien all of the above. They call me about 3 times every day. I have started making payments of 100.00 and she said it was not good enough. I had dealt with them previously and they threatened the same thing. I was so rattled when my ex called that when I called her she got my work address, phone, wages, and cell #. I told her this could place my job at risk. She didn't care. I also told her I could not come up with that kind of money and she said I had to by tomorrow have an answer for her or she would sue my ex and me. I have called her back after I contacted AMEX and left her a voice mail to not contact my ex again as it was not his debt, not to call me at work because I could lose my job and that I was not done with this issue and she would hear from me tomorrow.

I defaulted on a car loan back in 1995,but made arrangements to pay what was owed to stay out of court, then in 2003 I received a bill from cavalry portfolio for 19,000 dollars. at the time I owed on a student loan and assumed it was just that. So the lady from cavalry would call and set up payments for 3 months at a time. Then after a while she just started taking it out every month without my consent. This is when i found out it wasn’t the student loan. I told her right then and there not to take any more money out of my account. I explained to her that I took care of this debt back in 1995. Of course the original company no longer exists, and they expect me to find the proof that I paid this money. I was receiving phone calls nonstop every day for awhile, and then they stopped. Now they are calling again, and they even called me at my place of work last week, which I assumed was against the law to do. The original car loan was for 5500 dollars, after I defaulted they were going to sue me for 3000, and i settled to pay 1200(100 a month) to keep it out of court and settle the debt. They never seem to want to give me any information, as to how I owe this money. They do not show up on my credit reports, but they keep popping up as credit inquiries, in order to knock my credit score down. Please let me know if there is anything I can do to resolve this.