In case you are getting calls from the wonderful people at NCO Financial Systems. You should read some messages people have posted about this company. Apart from having to pay $1.5 million to settle Federal Trade Commission charges that it violated the Fair Credit Reporting Act (FCRA), there are also many many claims of state and federal violations of legislation like the Fair Credit Reporting Act (FCRA) and the Fair Debt Collection Practices Act (FDCPA).
The company purchases old debt from people like your cellphone provider, hospitals and the government for pennies on the dollar and then tries to collect it. You may have even already paid the bill, like I had, but that is really a minor irrelevant point. The reality is, much if not most of this debt is so old noone has any obligation to repay any of it, least of all not to NCO. Many people have been harassed for debt belonging to neighbors, relatives, old residents of the same address, and co-workers. Don’t pay NCO a penny.