I was told to settle my debt with NCO, by a representative, that day and she would be able to take $100 off of the debt total. So, reluctantly I gave her (Sherrea, (sp) ) my credit card number and she paid off the remaining $500. This was in Ooctober 2009. I have been recently (Mar 2010) contacted by a new debt collector that is saying I still owe the $100 because it was never put in as a settlement! I contacted the same woman from NCO that I made this "deal" with and she said that she took the $100 to reconnect my service. That's NOT what I was told in October. I never wanted my service reconnected and I never reconnected it at all. She said that she was going to send me an email saying that it was settled within 24 hours. My "new" debt collector needed it right then and there. So, I called back NCO and explained that to her. She said there was nothing that SHE could do it was sent to her supervisor. So I asked to talk to her supervisor, went straight to voicemail and it said to go to another person. I couldn't connect to this person so I had to call back and ask to be connected with him. After explaining everything AGAIN I talked to Tim Lesterbeck (sp) and he said he could only fax something to her right away. I said that was GREAT! Let me call her back and get the fax number and I will call you right back! I did that and when I asked to talk to Tim I couldn't get to him and was asked to leave the fax number with the woman who answered the phone and that it would be faxed right away. I waited a few minutes and called back my "nice" debt collector and she said it didn't come yet. So I called back NCO and asked to speak to Tim and, once again, couldn't talk to him but the person who answered, Terrell, gave me the message that it had already been sent over. An hour and 15 minutes later it STILL had not been received! Plus, more than 24 hours later I have YET to receive the email stating the bill was paid. I can't wait to get something from them because if the date is not October 23, 2009 then I WILL be getting a lawyer! I had good credit before dealing with NCO Financial. FYI...If they contact you don't fall for the $100 off bit either. My 2nd debt collector said that I should have been offered $480 off of my $600 bill as a settlement not just $100...now I am out that money and can't even get them off of my back!!