I admit I dropped the ball for forgetting about a hospital bill, however I was in college and my mind was on finals and graduating.
The first time they called, I asked for a description of the bill they were requesting (again I had forgotten due to finals) and the caller hung up on me. I called back and got a second representative and she too hung up on me when I asked what the call was for. I just shrugged it off as the wrong number.
Fastforward a few days. I would recieve three or more calls a day from these people. Finally I concluded something was wrong. I answered and asked what the call for for. This lady did not hang up but she did ask for my personal information to verify who I was before she could give out information. Everything from my address to my birthday was correct but my SSN last for digets. She concluded that I was a fraud but promised that I owed NCO nothing and hung up on me. I called the hospital who I owed the bill to (by this time I did remember) and they apologized if there was a clerical error when giving my information to NCO. Fair enough. However the error was not on their part.
I call back with this information and finally spoke with a kinder rep. It turns out that their records were correct regarding my SSN and the other rep that I had spoken too had confused my record with another clients. I personally asked to deal with this kind rep and no one else. She gave me her direct line.
I paid the bill off in full and had NCO mail me copies of the receipt. I read on this website that they have a habit of coming back years later demanding money you already paid. I am ready for them if they do.
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