I will keep it short but it's hard to do it justice w/o repeating everything. I owe ATT and T $900. for cell phone service. AT and T suspended my service and I canceled also. Four months later the bill was $1800. I called to correct bill. Still the $1800 to $1900 bill continued for another 4 months when they sent "the letter." Pay or it goes to collections on Feb 15th 2011. I called on feb 14th and took a few minutes to talk to a person. Finally the rep says, what can I do for you? I say, I want to dispute a bill and cancel my home phone. What's your name, phone number and 4 digits of your social ? and I must read you the privacy clause. I go through all that and the story of the over charge and she says, sorry, I will connect you with the proper rep, she says. Okay, I say and I go through the entire identitical conversation with the second rep. Then the third, the fourth, the fifth and the sixth rep. The sixth rep wanted me to talk to number seven. I said no, we are done and you will not see a dime nor will the collection agency. I'm 54 years old and pay all my bills. If I owe it, I pay it but not A T and T and not NCO collections. Turned out they sent my bill to collections on the 14th and not the 15th.