Last payment was Aug 2014. As I mentioned, this is not with BofA/FIA - or, at least, they've assigned this to NCB for collection. So, now I am/will be working with NCB vs BofA directly. No, I didn't do a "debt validation" - I know this is correct info. Unless it's good to verify that they are authorized to collect. Just trying to figure out the best way to resolve this and put it behind me - but, the most effective given the lack of resources. I called today thinking the end of month/quarter/year might make them more eager to complete. But they said to call back next week and let them know