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Hello, This forum is great. I've gotten so many great information from here and also wanted to share my progress. I am currently in ligation with a junk debt buyer, NDS, LLC. who is suing me for $42K in an unlimited civil case in California. Here is the timeline of how everything went down: Debt Buyer named NDS, LLC. sent me a letter for the first time on 10/25/2019 It said that they are now the owner of the debt. They stated that the account was charged off on 11/21/2018 and that they're charging 10% annual interest since the charge-off date.