National Enterprise Systems: How to deal with this debt collector

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt with collection people before and usually

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt with collection people before and usually some of these

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt with collection people before and usually some

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt with collection people before and usually some of these people are nice. b

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt with collection people before and usually some of these people are nice. but not this bitch

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt with collection people before and usually some of these people are nice. but nothis

theses people are the rudist annoying people to deal with Gina Goldberg called my other line which is my mother's line and was nasty to her. She was threatening me with garninshing my pay. wouldn't let me talk. didn't accept the only way i could pay. very nasty throughout this whole call. after 20 minutes of arguing and getting nowhere, i wanted to speake to a manager and i was done arguing with her, after i wanted a manager she said she had to terminate this call and hung up on me after i called her a bitch. i think she heard that. no buding at all to work out some sort of deal. very rude and nasty kept talking over me. would listen to a damn thing i said or asked. i will deal with her again if she calls back. i will deal with a manager. i have dealt with collection people before and usually some of these people are nice. but

This company called my home everyday for over a week looking for my one of my children who had moved out 4 years ago. When my daughter called them they were rude and tried to intimidate her. Turns out they were looking for someone with the same name but a different date of birth and ssn. They were fishing. And they told her that they obtained my phone number from a credit card company that I do business with.
While they claim that they are deleting my phone number from their records I am going to contact the attorney general of my state. This was harassment.

The National Enterprise Systems has harrassed in telling me that they would have legal action put against me and that I will possible loose my house.. How do I stop them, because I have enough problems trying to deal with being umemployment and sick.

Please help
Thank you

Can they lien my house? Garnish my wages? I have been unemployeed since March 2008 and the credit card company knows this and is not willing to settle for a $25 minimum payment - help

I started receiving phone calls from NES last week. I was told that I have a student loan that is in default for the amount of $19,000. I was told that if I make a payment of $2,000 immediately and set up payment arrangements on the remainder of the balance that they would forgive 40% of the debt. The problem I have is that I have received absolutely nothing from NES about this account. The loan in question was still showing in deferment as of August. Now they are telling me that the student loan is in collections because it is over 180 days past due.
am barely making my house payment and feeding my family right now. She said that she did not care if I lose my house and that I must be doing alright because I have a house.

I am not sure where to go from here. Any help you can give me would be great. Thank you

i am bumping this so SOAPLADY can advise.however i don't think they can take your house.they can put a lein on it though,but i want soaplady's take.she is the student loan guru.

i got them with help of a lawyer if you live in california you should contact this guys their so good , they got me sum money from this suckers .

from my email

[COLOR=Red]Congratulations:[/COLOR]
[COLOR=Red] [/COLOR]
[COLOR=Red]As we discussed today, we have settled your case, NES will cease and desist from collecting on the underlying debt, return the debt to the original creditor, pay my attorneys fees and court costs of $1750.00, entitling you to free legal representation per our contract. You will also receive $500.00. I will keep you posted on the process. [/COLOR]
[COLOR=Red] [/COLOR]
[COLOR=Red]It was my pleasure serving you in this matter.[/COLOR]
[COLOR=Red] [/COLOR]
[COLOR=Red]Best,[/COLOR]


[COLOR=Red][COLOR=#1F497D]Todd Friedman[/COLOR][/COLOR]
[COLOR=Red][COLOR=#1F497D]Law Offices of Todd M. Friedman, P.C.[/COLOR][/COLOR]
[COLOR=Red][COLOR=#1F497D]888 595 9111 ext 610[/COLOR][/COLOR]
[COLOR=Red][COLOR=#1F497D]866 633 0228 facsimile[/COLOR][/COLOR]
[COLOR=Red][COLOR=#1F497D][FONT=Goudy Old Style][URL="http://www.attorneysforconsumers.com/todd-friedman.html"]TFLAW.AttorneysForConsumers.com[/URL][/FONT][/COLOR][/COLOR]
[COLOR=Red][COLOR=#1F497D] [/COLOR][/COLOR]

"the debt aint gonna go away"
Oh it most certainly IS. And for that you can thank our government who bailed out my mortgage company, who capitalized on that free money instead of being open to any kind of loan re-negotiations, re-financing, modifications, etc. Because of this, I am bankrupting and you will never collect a penny from me. EVER. Just like I will never see any kind of assistance or willingness to negotiate my situation from our government, or anybody else for that matter. Like them now, I don't care. And if you don't like that, too bad, because quite frankly, their attitude, though calloused and immoral, enables me to sleep at night. And it's nice.
So. As far as I and many consumers go, you're wasting your time.

I had a debt wright off in 2004 and now NES is calling to collect. Is this normal and can they re activate an account that was a wright off.

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i am from illinois, can they give a discounted setelment amount and then come back and try to get the the balance.

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Exactly what Paul said.

Also the SOL in your state is 5 years so either it is getting real close or has already passed. It depends on when the last payment was made.

Great thread. I just received a call from NES, this is for me, please call 18005679990 regarding important something or other. I did not answer because Unknown number came up, I never answer those, did not call back. I called TFS to see if they sent my debt to collection agency, they said it went to NES. Nice. I had my car voluntarily repo'd, Lost job in June, unemployed since. I live in WA state, owe approximately $10000 on it. My question is, should I call back? I mean, am I legally bound to call back?

Great thread. I just received a call from NES, this is for me, please call 18005679990 regarding important something or other. I did not answer because Unknown number came up, I never answer those, did not call back. I called TFS to see if they sent my debt to collection agency, they said it went to NES. Nice. I had my car voluntarily repo'd, Lost job in June, unemployed since. I live in WA state, owe approximately $10000 on it. My question is, should I call back? I mean, am I legally bound to call back?

I was told on 12/23/2009 if I payed $4000.00 on a student loan that Sally Mae had agreeed to the settlement. now they are telling me [NIS] that i owe $800.00 more , because Sally Mae didnt accept that settlement even thou thats what Brian Gray , the NIS represenitive had said, and im sure is on tape since they claim our conversations are recorded,we have been back and forth for two weeks over this matter so today I've had enough and called and stopped payment on the $4000.00 that i did pay them.!!!!!

I have recieved a call from NES and they are telling me that I have to pay the full amount of the dept up front that they dont take payment plans. I told them I couldnt pay the whole amount and if I could I wouldnt be in this mess. Then she said that she could maybe but not sure to make it a 4 month plan. I would have to pay more then what I even make. Is this true do they not take payment planes?

As a former employee of NES I want to clarify that this company will take any settlement offer. For example if you have an account with Bank of America they say they will only accept 50% settlement offer. That is garbage. They will take anything. They can accept offers all the down to 30%, but if it is under 40% it has to be approved by Bank of America..which all the time it is.
They are a bunch of hungry hounds there. You can talk to them and they say that "This settlement offer will not be good next week, you have to set it up today"..GARBAGE! You can call up at anytime and they will take your money. They are hungry money hounds and they are in it for your money. They push for you to set up payments by the 20th of each month because that is the closing date for commission checks. That is another thing..NES employees get nearly around 22% to 34% commission on accounts..depending on what state you live in.
Another off subject topic about NES is the employees that are working there. From being a past employee there I have noticed the large amount of employees that go in the parking lot and smoke up there drugs, then come back in the building to collect. Kind of scary thinking that people who are under the influence of drugs are making phone calls to debtors and taking payments. Every employee that is hired by NES is "drug tested" which every employee that works there will tell you that those drug test results don't matter to NES. They will hire anyone at anytime! They have even hired individuals with criminal backgrounds. Only if the FDCPA and NES clients knew about this!

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I recently got in touch with NES after they were bombarding me with calls. The have offered to cut the amount i owe in half. I do not know if they are legitimate and if I should give them my account information. I suppose I should call my credit card people to find out if they are really working with them or not... they were asking for my routing number.. what should I do? I need to know asap! Please help!

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does anyone have the number for NES

I made an agreement with NES that if I paid by a certain date that I could get a discount and my account would be settled in full.. I just check my acct with the other people and it states that i still have a large balance to be paid. I have a letter dated before I made the payment, who is at fault NES or the other company.

I received a phone call from Mike Miller at NES this week for a balance owed to Toyota Financial. My car was repo'd in January. He reduced the balance of $2200 to $1300. I thought this was a golden opportunity to pay my old car off and be done with it. I naively gave them my routing and checking account number. I don't have the money to pay the $1300 at all. I got nervous and agreed to it because I didn't know what else to do! I felt cornered and now I feel foolish and scared that I won't have money to pay for gas and food.

Now I'm reading all of these posts in this forum and am feeling dizzy and sick to my stomach. It's 3/18/10 and they're supposed to withdraw the funds on 3/26/10. I'm so stressed out and don't know what to do.

Is closing my account and opening another one so they don't get any money illegal? This is what my bank and some friends have advised. I'm nervous about doing this.

Do I send them a debt validation letter certified? I'm so uneducated about this and don't want to talk to anyone there because I don't know my rights.

Someone, anyone.. please help!

I'm not paying anyone back....

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I JUST got a second call from this company; YOU KNOW them, as they said and threatened exactly what you said. I don't know the account #, they say that the credit card company is threatening to sue me. The lady (debateable) on the phone demanded my phone number at home, I told her I didn't have one. She asked what did I do during the months I was off work. She said to get my dad (where I stayed) to put my balance on his card, then I could pay off his card. She demanded his phone number! She went from hateful to RUDE when I wouldn't give her a phone number, saying, "Well, how am I going to call you if you won't give me a phone number?" I said, "You won't." She became angrier and angrier. I "smelled a rat" at that, so I asked for information about the company, other questions. She said I had until 4 PM today to do something about my delinquent account and started to hang up! I almost missed her, but she heard me and came back to the phone. I said, "You want to give me a phone number to call?" She said, "Oh, a phone number." She gave it to me and hung up. I intend to do something about these people! The bank I owe? I'm going to CALL THEM and work it out. To heck with that ol' bitty!!!
Do you have any other advice? I'm going to check out everything you say in the article about "dealing" with this company, to include recording them. I believe she just broke the law.... Thanks for this site, I sure do need it today!!!

I JUST got a second call from this company; YOU KNOW them, as they said and threatened exactly what you said. I don't know the account #, they say that the credit card company is threatening to sue me. The lady (debateable) on the phone demanded my phone number at home, I told her I didn't have one. She asked what did I do during the months I was off work. She said to get my dad (where I stayed) to put my balance on his card, then I could pay off his card. She demanded his phone number! She went from hateful to RUDE when I wouldn't give her a phone number, saying, "Well, how am I going to call you if you won't give me a phone number?" I said, "You won't." She became angrier and angrier. I "smelled a rat" at that, so I asked for information about the company, other questions. She said I had until 4 PM today to do something about my delinquent account and started to hang up! I almost missed her, but she heard me and came back to the phone. I said, "You want to give me a phone number to call?" She said, "Oh, a phone number." She gave it to me and hung up. I intend to do something about these people! The bank I owe? I'm going to CALL THEM and work it out. To heck with that ol' bitty!!!
Do you have any other advice? I'm going to check out everything you say in the article about "dealing" with this company, to include recording them. I believe she just broke the law.... Thanks for this site, I sure do need it today!!!