While in the process of making my disputes, I got two letters from NCO Financial Systems about my wife and I's Capital One accounts. I disputed both of these accounts due to incorrect balances on both of these with the crb's. I guess while getting verification, Cap One decided to sic NCO on me. Can the group give me a stratgey on dealing with them? From reading this and other forums, NCO is kind of the crapbowl of collection agencies. Should I use the 30 day verify on them?