Collection agencies can report collection accounts for seven years and 180 days from the date you first fell behind with the original creditor. Period.
I am not sure exactly what's going on with the "new" accounts here, but if the collection agency were to manipulate dates so that these accounts can be reported longer than 7.5 years, that would be illegal and you would likely have a case against the collection agency for credit damage.
From what you are telling me, Henry, it sounds like the 7.5 year mark for these accounts to be removed is approaching. Hopefully you are keeping copies of your credit reports. If not, be sure to start a file so you have a record of how the reporting on these accounts have changed.
If any accounts are reported longer than they should be, please contact a consumer law attorney who represents consumers in credit reporting/debt collection cases right away. You can can contact a local consumer law attorney or call the Collection Complaint Hotline at 888-711-5143 for a free, confidential case evaluation. There is no fee unless you win your case.
Please do let us know what happens here by posting an update in the comments section of this question. We are very interested in hearing how this turns out for you. NCO is one of the largest collection agencies in the country, and your efforts may not only help you put this matter behind you, but could also help others facing similar problems.
I'll also add that, according to my sources, the statute of limitations in Georgia is 6 years for most types of debts. Disputing an account with the credit reporting agencies because it is too old is your right under federal law. It does not acknowledge the debt or extend the statute of limitations.
