My question involves collection proceedings in the State of: Florida
In 04, we had 3 major stoms hit. It really affected me financially and I was slow paying my CC debt. Then they started dinging me with 29% interest, fee's, penalties, etc, etc. I told them about the storms, they would not do anything about it, so I informed them that I refused to pay them until they returned the interest rates back to thier original 12% and refund all reasonable late charges and over the limit fee's they stuck me with when they reduced the credit limits. All in all, 5 cards, all the same predatory lending tactics, got the same reply.
I stopped hearing from them after a few months. My last payments for the most part was mid/third quarter 2004.
Now, NCO comes after me for a charged off account they bought. Account is past the SoL, 4 years in Florida. I send them a letter, to whom it may concern, not to contact me again. Called thier contact number, pulled teeth and got thier mailing address from the rep on the phone. It matched the one on the letter, so i sent the letter RRR/Certified. I figured I had a solid SoL defense if they filed to collect.
2 weeks later, I get 2 separate letters, from 2 other companies, offering credit cards at 24% as an attempt to collect a debt for NCO. They have actually taken action to further collect the debt by contracting with 3rd party collection agencies that use "pre approved" credit cards to pay off the debt with, directing thier 3rd party agents to contact me for resolution.
Is this right? Can they pass on personnal information like that about me to other companies to collect (NCO's debt) after I sent them a do not contact letter?

