To all you debtors that try to make a collection agency sound like a scam, Fncb has settled my visa debt pennies to the dollar and have just checked my credit and was able to buy my house. You people waste your time complaining about debts you know you owe. If you didn't you would be sharing all of the details of your calls with the public. So pay your bills eaven if their past your stats of limitations because you borrowed the money and were aware of interest so quit trying to sound like a victim and get working on that horrible credit score, that's why the economy is where it is.