TAC14033, I am needing your help. I read your post concerning Marlin Integrated Capita...it's war, and I would like to know what was your "terms" once you knew that NCO owned Marlin? You stated that they agreed to them. Do you have a number for their attorney? My thing is, I don't want to go the legal route w/ them, I would rather them know that I know that their are in violation and have them delete these account from my report. I am willing to settle w/ them for $172. ( the bal. was 394. I sent $50 to the CA before I found out about this violation). Can you suggest a route? Thanks for all your help.