National Enterprise Systems has been harassing my fiance for the last several months. They threaten to sue her if she does not make a $100 payment by a certain date (which changes on every phone call). They have also made unauthorized charges to her bank account, sending her balance into the red. When either one of us call to speak with a supervisor we are rudely hung up on.

The only representative I can get to talk to me for more than a few minutes without being hung up on speaks English. I advise recording any conversation you have with these people and request everything in writing as well. They Will attempt to make you feel like a criminal for being a few months in arrears on your student loan payments.

Yesterday I recieved a phone call from a "Michael King", he changed his name a few times, regarding an "important business matter." I called him back and without letting me say anything but my name he yelled at me for my deliquent student loan and said that if I didn't pay $16, 000 by the end of the phone call I was going to be sued. First of all, my loan was nowhere near that amount! I asked him to please hang on so I could go get my son out of his crib and give him his breakfast and "Micheal" started to attack my parenting abilities. WTF?! I explained to him that I am more than happy to make reasonable payments, but that I am currently a stay at home mom so once my husband gets back (he's deployed) I will return to work and the payments can be higher. This jerk asked me to call my family and friends to get thier credit card infomation OR I could just sell off all my personal belongings by the end of the day. My mom and cosigner called the supervisor and that lady proceeded to yell at her and tell her that "She will see us in court." I immediatley went to the military legal office and they will deal with these HORRIBLE HORRIBLE people for me. Something really needs to be done about NES and I am more than willing to help out in anyway!

Have been getting phone calls from this company for nearly two months now. I get the phone calls nearly every day. I usually don't pick up but the few times I have, they have been very rude and "over the line." The number they seem to use the most is 1-800-321-3453. with different 4-digit extensions for whoever is actually calling.

I think the only way to deal with these folks is to not take their calls, and write them the "do not call me unless you're notifying me of legal action" letter. That's what I am going to do. Hope this helps someone else out!

We were contacted by phone today by NES looking for our son-in-law who does not live here, has not lived here and never will live here! When I asked if this was a debt collection call, their representative named Melissa said "no". I asked who gave her our phone number, and she replied that her "client" had given NES our number. I told her to remove our number from her records, to tell her client that our number was an invalid number, and she was NOT to call us ever again. She said that she would remove our number from her records. This same company had called us back in Feb/March, and we had instructed them in the same fashion. First, Melissa was dishonest as I am sure this WAS an attempt to collect a debt. Second, this is repeated harassment as we have no control over our son-in-law and what he does/does not do. It would be greatly appreciated if someone would do anything necessary to put a stop to this kind of action.

On Thursday, July 9, 2009 the horror began. I received a telephone call from a man who referred to himself as Mr. Harvey Liebowitz, III.

He told me that due to late payments my Sears Citibank Card had been sold (On July 1, 2009) to a group of lawyers who were going to sue me the next (Friday, July 10) morning if I did not pay $6500.00 before 9:00 PM that very night. I told him my checking account had no money and I had no savings.

He kept calling me from 5:00PM until 8:59PM. I told him that I had no money and would not have money for two weeks. To make a long story short, he violated me with his abusive and deceptive methods. I told him that I am 60 years old, have lost all of my savings in the Stock Market and a fraud perpetrated against me. I asked for time to think because I was in a state of shock and I am trying to recover after surgery to remove a diseased kidney, and I have had a stroke. He became so angry with me I was scared that he would send someone to my house to choke me. He said he was going to charge $6500 plus a .045 % merchant fee on my American Express Card. He kept putting me on hold to "talk with his client" the group of attorneys. I found out that Sherman Financial had purchased the debt from Citibank, and hired NES to collect the money. Mr. Liebowitz was angry with me because he was missing the sports games of his children. He said they were all teenagers and he was letting them down because of ME. He told me I was stupid for being conned out of my savings. He said that I was "crazy" and that I'd better hire an attorney right away. He said I should be working instead of being a lazy bitch watching television all day. He said he believed that I sat at home, watching TV and eating and that I was probably a fat slob. I left a message on his voice mail this morning telling him that I refused to let him charge this bill on my AMX and that I wanted a validation of the debt. He called me and told me that I was a fool for refusing to charge this debt. He told me that he would not send me a validation of the debt.

This company has never written a collection letter to me. It was like he was cold calling. Now this abusive man has my AMX card number and security information. I don't even know that he is a bona fide collector working for NES. I had asked to speak to a supervisor and he told me he "runs the place."

Because of his terrible abuse and scare tactics I have become more ill and today I had to begin peritoneal dialysis again.

Why won't these people just work with me and give me some time to pay the bill? I know that I need to pay it and I intend to pay it. I would not file bankruptcy. I am an honest person and I pay my debts as best as I can.

He told me that he had been emailing with the Department of Defense (my husband's employer) and that my husband would lose his job if I did not pay this bill immediately. And of course, he ended the call by saying that I'm a fat lazy slob who is crazy and that I had better let him charge my AMX card or suffer the consequences. He added that he did not believe anything that I told him about my illness. "People who charge their credit cards up and then claim illness are just fucking con artists. I've heard it all before. You're all alike. Just a big pain in my ass."

That's my recent and total experience with NES up to this moment. I fear what he will do to me on monday. I'm too ill to have all that abuse and profanity.