[hannah]

Have your wife write those attorney a letter requesting validation and verification of the debt. Out right ask if NCO is their client and if they own the debt or are collecting for Citifinancial.

Call Citi and ASK if they still own the debt or if they have sold the debt.

Call NCO and ask if they own the debt and the date they purchased it if they did.

Run a recorder as you ask these questions. I'm not convinced Citi sold it as they seldom sell these debts.

I'm also not convinced they didn't have permission to withdraw funds from your checking account. How did they get the account number? Is your wife on the account? Is there a judgment for this debt? Did your wife authorize the withdrawals?