purchase a recording device so that it will tape your telephone conversation.

have them give you as much information as possible. keep them on the phone to record as much of the conversation as you can.

who the principal is, when was the loan date, what was the limit, when was the default, how much was the default for, how much is it now, what was the interest rate, what is the interest rate now, etc. etc. etc.

then have them hold. rewind the recording and tell them to listen.

once their know they're recorded they will probably hang up and you may not hear from another collection agency until they sell the debt to someone else.

check your credit report to find out the contact information for any outstanding debts.

contact the creditors and either cut a deal with them or bring them into a contractual arrangement.

write a letter to the credit reporting agency(s) and let them know you have dealt with the situation.

the creditor has 30 days to appeal or the credit agency removes their reporting record of your debt.

good luck

Had the same call.  Right surname wrong name, but initials were correct.  When I asked what was all this about, a girl said it's a small business matter, apologized, and hung up.

The number displayed was (780) 441-4000

These "people" are idiot`s & only want to hear one answer .... "Please take what little i have left" !!! ..They will not listen to reason ..Fax them & Tell them to stop calling you...They have to legally oblige...Do it !! NCO`s FAX # IN ALBERTA IS .. 1-+1 877-279-2178

they were really aggressive about a debt, i have filed bankruptcy because of a business failure and he started calling me names

debt collector for Citi/Bank Financial, NCO Financial

Hey my mother, just got this call about her owing some money but i have no ideal what they are talkin about does anybody now what this is about she was really aggressive and was treatin my mother what kinda of agency is that