Hi All, I've been reading a lot of forums about dealing with NCO Financial but I'm not sure what route to take. Long story short I moved from California to Texas in late 2009, shortly after my ex and I broke up she moved out and during the process our mail got all messed up (the mail man thought we both moved so stopped giving me my mail). Once I got that issue resolved I saw on my credit report there was a collection for $199 from NCO Financial for PG&E in California. It was past the 30 days so they would no longer remove if I paid. Now I have no issue paying this debt but they will not t