To start off, back in December of 2008 I was laid off from my job. I immediately had to cancel my cell phone service, because I could no longer afford it. I was subject to an early termination for each of the two phone's that were on my account. I had a bill of approx 520$ that I needed to pay. I did not receive my unemployment compensation till the middle of February so I did not pay for those two months.

I stopped receiving my bill and when I called the cell phone company they informed me that my debt had been sold to a collection agency. I assumed that I could not pay my bill through the cell phone company anymore and that's how they portrayed it also. I did not receive nor did I hear anything from any collection agency until this past Friday when they called my husband's phone saying that they were NCO financial trying to contact me about an important matter. They told my husband that I had listed him as a contact ( not true ). He gave them my information then called me to tell me that I needed to call a number and ext with a code that he also gave me. I called and looked up the company while I was waiting to speak to a representative When I found out that it was a collection agency I knew it had to be about the cell phone bill. After being on hold for over half an hour, I left a voicemail with my name and number for them to call me. They did not call me back, but instead called my husband again on Saturday. I called them and got ahold of a representative that same day. The first woman I spoke to was polite and asked me some questions ( which I wish I had not answered now but I legitimately thought that it was just a means to get the debt cleared up ), among them where my husband worked and who our checking account was through ( I am so angry that I gave out that info! I feel like such a sucker ).

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