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Originally Posted by m15giv  I recieved a call from NCO the other day. I was not at home so they left a message. I called their # from an unknown # to see what's up and thats when I learned about NCO. I immediately hung up after getting what info I could from them. I recently got Capital One removed from my credit report. After Capital One gets no more money, I guess they sell the account to NCO. I checked my CR yesterday and I have nothing on it from NCO. I am sending a Validation letter and Cease and Desist (all in one) to NCO today. :D
Will the fact that Capital One being deleted from my CR help me to battle NCO?:confused: |
NCO should send you a letter with information about the debt within 5 days of their first contact with you. Most CA/JDB's don't do this obviously, so sending a DV letter CMRRR is good idea and do not sign it, just type your name. Also keep it short and simple, do not send the long DV letters found all over the internet.
I wouldn't send a total cease and desist though especially if this alleged debt is within the SOL(statute of limitations). Instead I would go with a "limited C&D" to put a halt to the calls and to have communication via mail only.
Is this account out of the legal SOL??