NCO-

Thanks for the reply..

Yes, I have all my reports.
I live in NJ, but this stems from an incident when I lived in CA
Creditor= LA Fire Dept( Ambulance Bill)
CA= NCO

I never made a payment to LA fire dept because I thought my ins company was handling it. I moved the following year and never received another bill from the LA fire dept. I guess they handed it over to NCO, but I never recieved a phone call or letter from NCO and didn't know it existed until I checked my credit report lat week. It claims NCO opned this account in Aug, 2010. I would've paid it if I heard from them, but I had no idea this debt still existed.

the date of the incident was 3-31-07. I did contact my ins company last week and was told that my deductible had not been met, thus I owed the balance. This is most likely true, but the part that ticks me off is that I never heard from NCO once the account had been handed over to them. I have moved twice since this incident and I now live in NJ, so this might have had something to do with it. I would've happily paid this off had I been notified, but now that it's on my Credit Report, I need to get it off. Should I write a "Pay to Delete" letter to NCO?

Once the SOL expires, what happens?

You should I complain too?

thanks so much for all of your insight.