Average utility debt: $800. Utility debt from electric, gas, water, and internet bills. State public utility commissions regulate billing practices. Many states prohibit disconnection during extreme weather.
Common NCO Financial Systems Violations
Pursuing time-barred debts without disclosure
Excessive calling frequency constituting harassment
Failing to validate disputed debts
Utility Debt Dispute Strategies
1
File complaint with state Public Utility Commission
2
Request billing audit and meter verification
3
Apply for utility assistance programs (LIHEAP)
4
Dispute estimated vs actual billing
5
Challenge reconnection fees if disconnect was improper
Tips Against NCO Financial Systems
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