[jjgross]

First thing to do is to write a letter that it is inconvenient to call you or your wife at any phone number any time and all business will be conducted through usps. Buy a telephone recorder. Send the letter cmrrr.when you get the recorder if its them record the time and date. Also google nco and the others and see what they do you will find a lot of lawsuits they have lost. Please don't think all is lost. You have options this will pass remember your wifes health.

Is bk an option or not? After 7 years they will fall off your credit report. Did you pull your credit reports yet? Depending on your state you may be out of sol for collecting money on these accounts, we would need more info on the debts, like dola, last payment etc.