NCO Financial Systems Rent & Lease Debt in Houston, TX
NCO Financial Systems is collecting rent & lease debt in Houston. Average: $3,200. Texas SOL: 4 years. Garnishment: No wage garnishment for most debts.
Known NCO Financial Systems Violations
- • Pursuing time-barred debts without disclosure
- • Excessive calling frequency constituting harassment
- • Failing to validate disputed debts
Dispute Strategies
- • Document property condition at move-in/move-out
- • Challenge security deposit deductions with photos
- • Dispute excessive lease break fees
- • Verify landlord followed state notice requirements
- • Challenge any charges beyond normal wear and tear
Tips
- • NCO was acquired by JPMorgan — reference this in disputes for accountability
- • Keep a call log to document harassment patterns
- • Send debt validation request within 30 days of first contact
- • Take timestamped photos at move-in AND move-out
- • Most states require security deposit return within 14-30 days
- • Landlords can't charge for normal wear and tear