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

simple solution, don't spend money you don't have!

Carey Shaw10109 106 St Nw, Suite 600Edmonton, AB T5J 1H3(780) 441-4000Job:Services Financiers Nco Collection, Branch Manager

search the number in 411.ca. the number belongs to NCO finacial

This call centre called me and left a voice matter about "some urgent matters" for (individual with same first initial J but male - I am female) and the correct surname. Nice try. When I demanded who was called the stupid girl with a Canadian or American accent got nervous and hung up on me!