I pulled my credit report and it has many many instances of NCO fin/99 and NCO MEDCLR. They do not list the original creditor so I called them to find out what these accounts were for. They of coarse were rude and basically said pay us. Most of the accounts are from more than 2 years ago which I was under the impression things fell off after 2 years. I asked them to provide me with my signature stating I authorized any debt and was told it is not their responsability to provide this information. The total amount for all my bad accounts is only $1400 so they are not enough to constitute a lawyers retainer. Is it their responsibility to provide me with more than an itemized bill? If not what is the best coarse of action for an individual trying to litigate with collection companies without the assistance of a lawyer? Also does anyone know of any ruling or case law that might help in my search for a clean, clear and only my debt credit report?