I don't know how this place stays in business with all these numbers? Overhead must be increadable! Now calling from a new number: 404-419-7785

800-564-2395 866-389-6161 678-486-1027 678-784-1039 800-967-0372 250-389-6760 866-479-7925 888-297-7414 916-563-1300 703-642-7500 866-505-9316 888-368-3955 607-621-4196 866-239-6536 954-714-2200 250-708-3000 602-379-1466 888-238-8424 800-989-3402 888-990-2840 800-267-9209 877-381-7319 800-635-1308 80063748503 602-379-2260 866-381-5531 888-913-2337 703-245-1909 800-832-2844 800-481-2996 866-827-8986 800-374-8503 770-644-7400 866-505-9315 954-874-4099 201-373-8371 319-271-1904 866-560-0163 888-724-7611 954-881-6192 727-213-9122 888-760-2478 800-690-7040 800-964-7365 602-567-7000 250-708-3004 800-277-2731 602-379-2261 800-651-3096 877-256-7821 317-755-0000 770-612-7216 877-659-7647 770-612-7052 866-381-5526 630-528-3042 708-786-3300 877-246-2422 800-516-0216 813-964-7040 561-935-4990 866-896-5338 800-877-7858 800-280-3610 601-714-2680 877-302-4760 800-638-5630 707-206-6377 707-703-1045 678-486-7520 800-850-8719 813-379-2475 720-324-7984 480-586-3166 614-569-5000 850-250-1308 850-250-1304 877-383-4576 330-752-2126 866-375-9723 201-984-9787 800-441-0377 877-779-3475 770-612-7053 850-387-0459 877-303-6207 513-924-4473 832-260-0415 502-272-4271 919-794-8704 91979487010 334-229-9344 678-248-0627 714-881-0845 714-486-0684 714-422-0570 267-773-6671 770-612-7203 312-492-4949 615-823-4064 678-248-0633 201-297-5700 201-297-4318 804-767-2797 407-583-4974 480-648-0106 804-767-2852 214-919-0676 214-613-5589 214-613-5574 214-613-5568 770-612-7241 253-442-2524 832-460-7653 866-659-0711 404-419-7785
 Jan 05th, 2013
Whoops, it's become six entries away from "Patrick" in the time it took to write. Is there maybe a reason for disrupting civil discourse?
 Nov 30th, 2010
At least the spamming lawyer four entries prior labeled his interruption as such. Doesn't make it right to be here, or an indication of your best options as an alleged debtor.

There is an awful lot of crude spin doctoring in this thread which is best ignored. NCI is a lawbreaking behemoth in the industry; don't be swayed by false sunny testimonials. The correct answer regarding these debt barons is not "Pay Youse Bills", but "Prove We Owe". Learn your FDCPA rights at FTC-dot-gov.
 Nov 30th, 2010
U ANT GT HARDSHIP TO GET IN MAA SHIP>>THUG LIFE ...blow u VIJAY..m gona roll u like a JOINT n smk em up..fuck u..ant got wrds for u only FUCK U MORRON...U SUCK BIG TIME
nelson b
 Nov 30th, 2010
mukesh mother fucker kya baat hai sute hota hai...
zam boy
 Nov 30th, 2010
i gt a call frm 877-779-3475..i ans da call as usual..n da other prson on line sd dat his name is REJESH SHULUKE or sumthin dat i cudnt fig out..da guy was fuckin so annoing i told him i cnt pay ne thing..still keept on sayin da pay me $1 plz as if dat he is a begger n is starvin since days..fuckin REJESH or wat ever..if u go thrug dis page den plz dnt call me ne more...while talkin to him if fig out dat if learn few new wrds frm dat guy which r nt der in da he suck big time...
 Nov 30th, 2010
der is a fuckin coll manager name VJ or VIJAY he sucks big time when he says dat v'll touch base at so n so time..if i get a chance to met dat fucker m gona blow his ass wid boms n dianamites..he sucks men..i dnt knw how he sleeps wid his fuckin wife..fuckin morron..dick head..he must b sayin dat wat's da fuckin challeng wid u guys y cant u blow my ass..fuck u vijay or VJ ur r a mother fucker ass hole n a bitches son..go get sum rotten dick for u..u suck big time men..dnt even cum to NY..da cats will hunt u dwn..or dnt even apply for a visa ..if u do dat fold dat n keep it in ur ass..or if u manage to cum here..den i'll askd ma alkyda frds to fuck u ass dey all r hardcore gays n make a porn video of u n frwd it to u r wrk station sayin dat Vj or VJAY cnt afford ne thing nw so he strd a side bizz!!!!ha ha ha fuck u vijay or VJ who ever da fuck u r..DNT cALL me ...fuckin VJ COll manager
 Nov 30th, 2010
vijay dnt knw wat he says after dat..but i think he's a gujuu..frm gujrat...
rio anand
 Nov 30th, 2010
Do not let debt collectors harass you. You have rights. We sue abusive debt collectors who violate the Fair Debt Collection Practices Act and make them pay you money. We handle the cases on a contingency basis.

Record all telephone conversations that you have with debt collectors. Take detail notes of any telephone conversations that you have with debt collectors. Save all voice mails that you receive from debt collectors. Save all letters that you receive from debt collectors.

Call Marso and Michelson, P.A. at 612-821-4817.

 Jul 01st, 2010
NationWide Credit - Mumbai Calling Center & GA Center Collections Agency; calls 5+ times daily asking for someone unknown. Unprofessional and they break federal mandates.
 Mar 30th, 2010
...assholes whod rather die than working hard.... why cant u understand if the govt could hve stopped these things,they wud have...they willnot stop us beacause its off ur bills and save urself frm the horror of getting a call frm an indian.if bill is not urs....gr8,u hve a chance to get rich....complain to ftc......
u fuckin ignorant assholes.
 Mar 21st, 2010
americans donot know the definition of language......go to school yall ignorant assholes & u will come to know that language is used to make the other person understand what u want to convey....doesnt matter whether grammer is correct or not...mbna/chase/microsoft/nasa/citi/nyse/mercedes/at&t/dupont is not mad that it outsources to india.they can hire retards,thugs,&assholes frm ur own country....they even speak better english than us,but why india?...they want hardworking ppl,not ........
 Mar 21st, 2010
this is for RealGenius, in your notification you dint recoment people to pay their bill....if they pay it they wont recieve those calls....tahnks any ways...
 Jan 11th, 2010
Please grow up guys!
Grow up
 Jan 05th, 2010
Nationwide Credit, a collection agency calls many-many times a day.

NCI Correspondence
2015 Vaughn Rd Bldg 400
Kennesaw, GA 30144

they have placed a call to me 12 to 23 times a day since Oct 8th, 2009. First you never give out your SS Number to anyone! Period! They will ask for it over and over, JUST SAY NO! Be nice though. Real simple to deal with this, just asked what the account is for the balance, and who it is from. Now get their mailing address and phone number, and your account ID that was assigned to your account if there is one.

-------------- HOW TO FIGHT BACK AND WIN!!! ---------------

Now, and again be nice when you read the following to them, because the following statement will fell like a weight has been lifted off your chest:

"In accordance with the Fair Debt Collection Practices Act, 15 USC 1692c, 805(c):
(c) CEASING COMMUNICATION. - If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt."

That's it! End of the calls and the threats to come lock you up, and all the other B.S. stuff they know they can't say but due. Also No ONE is recording you, and if they are and it is stated as a fact, your answer is that you REFUSE to be recored on the call, and you should repeat this with each thing you say to them too. Now the next step is to lodge a complaint with the FTC - Federal Trade Commission at and supply the repeat collection caller with the ID that is supplied to you when they call back over and over.

Now let the Electronic Age assist you in fighting back. I went and did 2 things in my case when I realized that my health was failing, and money problems would become an issue in a short time. I changed all my home phone Numbers to an Internet Calling number with Skype as it would only cost me $60 a year to maintain a real local number in my area, and gave me better control over who can call me, and when. If you don't have a computer, and just don't want to switch to a new number then i suggest buying a "Advanced Caller ID with Ring Controller" from JF Tech Developing Co., in Norwich, CT.. Web site is This nifty device is a Caller ID box as you would expect to find for around 60 to 70 dollars, and is worth every single penny! What it does is takes the caller ID that comes in and compares it to a list you enter of calls to block. Yes it really works! and all that happens is the caller only hears on their end of the call is a ringing forever up to 20 rings and then the phone company cuts you off anyway. What you hear on your end is NOTHING!!! Just Bliss!!! It shows who called, but never rings through to you. Now if the Collection Agency catches on to this they will starting calling from other exchanges like ex. 717-232-0001, 717-232-0002, 717-232-0003, 717-232-0004, and so on. The device has that covered too, and lets you Block as a WILD CARD, which means you can list all number to be blocked from the following number ex. 717-232-XXXX where the "X" mean any number from the exchange, or you can just goto the extreme, and Block as ex. 717-XXX-XXX then no more call from the area code of 717.

One very important item you must do is follow through on mailing the letter and require a signature to be delivered, and a P.O. Box will get signed for too. In most cases their mailing address is the same without the PO BOX Line in the address. Also mail a normal letter also with the same in it as follows, and I GUARANTY they will stop calling you for collections. Here's a copy of my letter I send out to the few I had to deal with, just plug in your own words, and mail it off.

Today's Date

Your Name
Your Address

Collector' or Creditor Name

RE: Account {insert account name and/or number}

Dear Collector or Creditor,

I am writing in response to your ((letter or phone call)) dated {{insert date}}, ((copy enclosed)) about the above referenced account. I am unable to pay on this account due to {{insert reason here i.e. unemployed, disability}} . This is a {{permanent or temporary}} situation.

I also hope to save both of us a great deal of time, energy and expense by letting you know that I have no income at this time, essentially I have no money and can prove it! In accordance with the Fair Debt Collection Practices Act, 15 USC 1692c, 805(c):

(c) CEASING COMMUNICATION. "If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt."

Although I agree that I owe this debt, I am unable to make any payments toward it and therefore ask that you cease further communication with me concerning this debt. I will notify you if my financial situation improves enough to allow me to begin or resume making payments. Thank you for your understanding in this matter.


Your Signature

Printed Name
 Oct 27th, 2009
Most of these messages are from the bill collectors pretending to be happy customers. The rest are from frustrated consumers like me.
When I lost my job and activated my payment protection plan my payments were less than $100 per month. AmEx asked me why I was activating my PPP so I let them know that I had lost my job and since I had been paying for the payment protection plan for over a year I might as well use it when I need it. So, the PPP payed my payment for that month for me, and the next month my minimum payment was over $300 dollars! The next month after that my min. payment was almost $500!! Even without employment I would have been able to pay my min. payment of $100 due to the fact that my partner is still employed, however $500/mo. is ridiculous. The moral of the story is DO NOT inform your credit card company that you are unemployed... they will increase your minimum payment very high very fast making it impossible to repay your debt. Nice business practice! -(sarcasm)-
 Sep 27th, 2009
Received voicemail msf from a "Javier" x5694 asking for return call to verify 'LOCATION INFORMATION' for a person. Caller ID display:GEORGIA CALL 678-762-3500
 Sep 10th, 2009
asshole vj ext 5654 called me...he is a urban indian...staying in dombivili....
 Jul 30th, 2009
They keep calling my job phone and leaving a message for someone that doesn't work here. I told them to stop but I always have a message from them.
 May 22nd, 2009
i settld a/c with amex last mnth manish was very helpful he saved me lot of money...thanks manish
 Feb 19th, 2009
I spoke to a guy name aaron at NCI..he is an Indian..but he was so he tried to help me in everyways...........I think He is the only guy who is good in NCI...he made me understand in such a way tht not paying tis debt is not good for me.....prior to tis guy ter another guy who cald..unskilled ass...i hungup on him..since ten i had a feeling tht all NCI...Guys are The same indian Fuckers...and ten tis guy cald intensions were not paying amex ...but ten i spoke to tis guy and he was so helpful...and ten i started paying..
 Feb 18th, 2009
 Feb 06th, 2009
 Feb 06th, 2009
I loved the way Moses spoke to me. it was my card which my BF had charged it and I had to pay it. It was of great help when I spoke to Moses at Extention 2097. he was a wonderful person and I hav his cell no. whch shows traces of India but I suggest just spk to Moses. Luv You very much for taking care of my debt.
Eli Turner
 Dec 21st, 2008
 Sep 25th, 2008
I've told these people repeatedly that "Mary" doesn't live here, but now they're calling and saying, "Mary, call me blah blah blah..." I made one more attempt to get them to stop, but if it doesn't work, I have an idea. This government will bomb anybody, so let's tell them to bomb India. All we have to do is make sure they know where India is, so they don't bomb Australia or Canada by mistake.
 Aug 21st, 2008
 Apr 01st, 2008
this is for my bill collector frnds ,sandie,nigel,aaron,neil,piason,ronnie,shane,paul,uluas,bran,rick,shail & CHEN CHUENG(VERSH)>>M GONNA MISS U ALL
 Apr 01st, 2008
ok noel if you have guts come online.Dont you think i m helping you in avoiding a big problem for you.....come online once you have my #......better you spk cant be decent.....
for noel
 Mar 26th, 2008
....i want u racheal..........will u marry me..........................
 Mar 26th, 2008
niel..................allways calls me n say....actually i was suppose to send u a letter that is y m callin u...and wen i ask him wat kinda letter.........................he hungs up on me.....rude............................
 Mar 26th, 2008
asley.......with such a bad english....................i dont no how these gays have guts to spak with americans who r far better than them.................poor indian....that is y they r sufferin from poverty
 Mar 26th, 2008
866-479-7925 do u guys settle accnt for 40%...........................
 Mar 26th, 2008
hey...mthrfukr...sandie.....................first go & learn english...n then tri to speak in spanish..................u indian suk.......y u indeans........act like moron................sandi u r asshole.............u n ur senior manager suks.................mooker...u r a real .....................jerk................sandi if i get a chance to come in india..i ll fuk u n ur manageer.......................

guys frm ny...plz never call"em..866-479-7925.....................they r indian morons
 Mar 26th, 2008
 Mar 25th, 2008
bran @ u....sweety
 Mar 25th, 2008
no i did not rite that sadi parker is a shitie asshole ......dos not even no how 2 speak proper english
 Mar 23rd, 2008
u fucken americans.....u guys r assholes, motherfuckers....unlike u gyes v dont live on credit.....v deal in hard cash....u dont have d damm ablity to pay ur own bills nd try to act smart wn v try to collect on it.....1st fucken learn to pay ur bills on time so u wont recieve ne calls 4m us.....nd dont dare abuse INDIANS coz v dont take shit 4m no body.....nt even u assholes.....
 Mar 17th, 2008
hey sandi parker i have closed my acct you have really saved me i have never experienced any problems with dealing with you.....but now i have closed by acct and you cant handle my calls if I call you....can you please give me your
cell #....i want to meet you once..plzzzz....m waiting
 Mar 14th, 2008
866-479-7925.....................................never call'em they are indian assholes
 Mar 10th, 2008
plz dnt call me billcollectors i really dont have n e thing to pay,.............aaron m fed up with ur voice messages.....
 Mar 10th, 2008
racheal....liked ur voice very horny...........................n u speak gud spanish
 Mar 10th, 2008
i hate mooken.........................................
 Mar 10th, 2008
humm............................nice peple.................................very helpfull......keep it up supervisr aaron..............liked ur help
 Mar 10th, 2008
the best way to avoid these indian
speak in spanish...............
 Mar 08th, 2008
hey.......sum 1 named python call me yesterday..................
 Mar 08th, 2008
hey i like to call.............866-479-7925................n abuse them ...its fun ...................plz
 Mar 08th, 2008
i recived a message..............this is sacha frm national wide me bak @ 8664797925...extn..55288.........he sounded as if he is the sweetest person on earth ....but wen i calld him he was rude......................................
 Mar 08th, 2008
nationwide credit.........senior manager mr rude..........sum1 plz sue him ...he is violating laws..............he was very abusive .........wen i told him . i am recording this call he got scred n started speakin like a polite gentle man....poor he..................
yolanda garcia
 Mar 08th, 2008
I found free letters on that you can mail to this a@@holes to get them to stop calling you. They also have an article on how to deal with them. Fight back, they have to respect your legal rights.
 Mar 06th, 2008
Called at 12:05p MST and left a message saying I "need to call them back." No identification / useful information otherwise. Same number given 866-479-7925 as yesterday's call.
 Feb 15th, 2008
It's funny how some indians here are complaining that WE are complaining about their bad english skills. And yet they do this with HORRIBLE grammar/spelling skills. And like another poster stated, it's a bad situation to start with but then trying to discuss the matter with someone that barely speaks/understands english makes it even more frustrating. My solution...screen all the calls, turn the ringers off and let the answering machine pick it up. Personally, in the past when I have had a debt to settle I dealt directly with the creditor instead of the collection agency. I had an instance where I paid a debt to a collection agency but the creditor never got the payment.
 Feb 12th, 2008
Clean your own background you americans and get over you business and stiff nose attitude.In the first place you people create a mess for yourselves by getting into debts and when the time comes to pay back you blame it on others if you have the guts to use someone else's money have the guts down there to pay them back then you will not get these so called irate calls as you call them.......
 Feb 07th, 2008
message 4 americans...1st pay debts n den complain...u r the one who urges us to speak rudely
bcos of ur abusive language n not havin any intentions to take care of ur debts....n stop complaining
abt our english, n improve the way u ppl spk....
 Nov 28th, 2007
whats ur cell no. shawn plzzzzzzzzzzzzzzz
 Nov 28th, 2007
Get a call from this number at least 2-3 times a week. I get the voice recording from Sandra and call back right away, but everytime it says that they are closed.
 Nov 25th, 2007
i agree wid Jay.. infact not the debt collectors but most of the card members r rude.. they jus keep on abusing smtimes.. and why do u americans get onto the nationality????? We are proud to be Indians.. And we dont mk a fuss over our nationality coz we dont hv to .. evrybdy knows wht India and Indians r capable of and how dignified they are..And all u people complaining bout the bad english and indians plz go get urself a life u losers!!!!!!!!!!!!!!!!!!!!!
 Nov 15th, 2007
im a debt collecter with NCI nd want to say somethng,im an indian nd i dnt thnk so every debt collctr frm india r so bad in english...i appreciate wat jess sd,but being a debt collctr dsnt mean we r nt human being..nd we also adhere to i wld like if guys jst stop LIEING...
 Nov 02nd, 2007
abbey 5603
save me frm this person he is sitting on my head
 Nov 01st, 2007
HORRIBLE how in the world are we supposed to pay off our debt when you cant negociate because you cant understand what they are saying!?! RIDICULOUS!
 Oct 18th, 2007
sweetest bill collector i have ever heard.
but after all he is BILL COLLECTOR.
 Oct 05th, 2007
shawn,at ext 5698.
 Oct 05th, 2007
mike,at ext-5526.
plz save me frm him and his heavy language.
sounds like 80years old.
 Oct 03rd, 2007
says like mike at ext-5526.
i donno what he want.plz god save me frm him.and frm his heavy english.sounds like 80years old.
 Oct 03rd, 2007
Sandra Carter is a recording..Ugh...I think they are the agency for AMEX

not sure
 Oct 01st, 2007
said to call anthony fernandez X5550 important I call immediately
 Sep 26th, 2007
The callers name is Larry Chan. He called me 5 times in one day leaving the same poor english speaking message. He sounds like he is from India don't believe that could be his real name. I asked for the address of the company but he refused to give it to me. I mentioned the 2015 vaughn Rd he said that was not it.
 Aug 28th, 2007
A Sandra Carter from this number has been calling over and over again on weekends, Sundays. She never almost sounds like a recording
 Aug 27th, 2007
hey this horrible english speaking lady says call me back at ext.5100 doesnt identify herself and speaks the worst of english and says her name michelle sounds is a dumb bill collector.I want to know if some one can help me from this idiot lady.
 Aug 11th, 2007
thats the call back # and i dont find that the agents answering the calls are HORRIBLE English-speaking ...Bottom line these people call everyday
and they are called tru hunters.....debt collectors
 Jul 18th, 2007
5 calls in one day. This is a violation of the Federal Fair Debt Collection Act. Advise the caller, after the 2nd call of the day that they are now in violation of the above law and that any further contact will be recorded. Then direct them not to call you again.
C again
 Jun 27th, 2007
Called at 8:29 a.m. and left the VERY Pakistani sounding message requesting that I or my ex-wife (4 yrs ago) call back immediately w/o any other information.
 Jun 27th, 2007
Wanted my daughters phone and social security no.
 Jun 23rd, 2007
caller does not identify company calling from. Just states it is urgent to call back at x5100.
 Jun 06th, 2007
Some guy named Sam has called me everyday for the past three mornings. It usually shows up ID BLOCKED but today this number showed up (and it is the same number he always leaves). He never identifies what business he is calling from and he doesn't state what purpose he is calling for.
 Jun 06th, 2007
collectors are very rude
 May 22nd, 2007
this person calls everyday
 May 22nd, 2007
These people call in violation of cease and desist letters.
 Feb 26th, 2007
HORRIBLE English-speaking skills...Bottom-feeder collector...AVOID
 Feb 23rd, 2007
Message said not soliciting. Please call..I don't think so
 Jan 14th, 2007
Nationwide Credit is a debt collection agency. FYI. Website is at and address is NCI Correspondence
2015 Vaughn Rd Bldg 400
Kennesaw, GA 30144.
 Sep 05th, 2006