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NCO collects third party as well as buys debt. Are you sure they bought it? Did your wife send a DV? In TX if she send a DV letter, they have 30 days to validate.
Did you move your bank account? You need to do so or at least notify your bank not to honor any more withdrawals from them.
Not enough info to form a strategy. You need to find out if NCO actually owns it or is collecting 3rd party first and foremost.
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Please be advised that I am not an attorney and nothing I post on this forum should be construed as legal advice.
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