If I were you, I'd spend $5 per month and have aol call alert, or what ever similar service you want, block these calls. They will eventually go away. Other dunning calls from other collectors will materialize, but they will eventually go away also.

If you feel you have enough evidence to support your case, you can file a claim against the collector.

You sent a cease communications letter to NCO. You should look at the wording of that letter to see if you actually said for them and their affiliates or authorized agents to cease communications. If not, then you should send another cease communications with this wording.

You can sue in your local court but the collector can elect federal venue since the violations arise out of a federal statute. Here is where things become complicated for the pro se litigant.

Another option would be to contact your state's AG. They have been known to agressively pursue violators.

I don't agree with the moral ethics of paying the collector because you don't owe them a thing. They bought into the debt with thoughts of making quick money using threats, intimidations and harassing phone calls. And, you can't pay the original creditor since it has sold all rights to collect the debt to the collector.

But, you could offer a settlement. JDB's usually buy debts for pennies on the dollar. You may be able to settle with them for as little as 20 or 30 percent.

I personally would choose to spend $5 on the phone service and ignore the collectors. They will go away.