Complaint Review: Boyajian Law Offices - NCO Financial - NCO Marlin - Marlin Integrated Capitol

Let me begin by saying that Boyajian Law Office and NCO Financial/NCO Marlin/Marlin Integrated Capitol are affiliated.

It all began when I received a letter in the mail in June of 2005 from Boyajian Law Offices.

The letter stated that it was written to give me notice of "the outstanding indebtedness to Verizon relating to telecommunication services provided on the above-referenced billing number." It also stated that "All inquiries regarding this acount should be addressed to our office and not to the telecommunication company, as they may have no readily available information based on the sale of this account."

It then went on to tell me how they have repeatedly tried to contact me and I have "failed, refused, or neglected to make necessary payments and, as a result, are in serious default of $341.60" They also advised me that certain cred reporting bureaus may have been notified of this outstanding obligation.

I contacted the law office and spoke to some man, don't remember his name. I informed him that the bill in question had been paid in full back in 2001 and that I could give him a copy of the check if he would like. He said okay that's fine thanks for clearing this up blah blah blah. I made a point to ask if it had been put on my credit and was assured that no it wasn't. I sent it and have heard nothing else out of them.

Since then I've gotten married, honeymooned, and come home to enjoy newlywed life. I ran across the letter again today and due to paranoia checked my credit report. Sure enough dated 07/2005 are bad marks on my credit reported by NCO Financial on one of them and NCO Marlin on the other two. All pertaining to a 2002 (note the bill was paid in 2001) Verizon phone bill for $342.00.

I began by calling the stupid NCO place and was told to call another number three times. I was informed I had a debt there because they had my name. The final number I called left me on hold and disconnected me about ten minutes later.

I then turned around and called the law office and asked if they were affiliated with NCO whatever they call themselves and was told "Yes." I said, "Thanks, that's all I needed to know," and hung up.

What do I do now?!?!

Callie
Troy, Alabama
U.S.A.