NCO Financial Systems Informative - Seeking advice - Collection
About three weeks ago, I had an issue with my day care. They stated I didn't pay them, which is not true. I have a copy of the duplicate check.
The SAME DAY they said I didn't pay, they sent me a letter stating that if I didn't pay in 3 days from the date of the letter, I would be sent to collections. I got this letter the day I left for vacation. During vacation, I tried 3-4 times daily to contact the director but she was never "in". I was calling to tell her I had a trace on the check and see what we could do until the check was cashed.
Today, less than two weeks after the first letter was sent, I got a collection letter from NCO. (I've still been calling the director daily, but no avail).
I currently have a trace/track on the check, and it has yet to be cashed from what I can see.
So what I'm wondering is this:
1. Is it legal for the daycare to send me a collection letter 3 days after they lost the payment? I thought that I had at least 30 days to resolve the debt before they could legally send it to collections.
2. How do I deal with NCO? Should I call them and tell them the situation or should I just pay them?
3. Can I legally take the stop payment fee out of what I owe as it was the daycare that lost the payment?
4. I cannot go into the daycare to talk to the director because she leaves too early in the afternoon and I simply do not have anymore time off work.
I'm NOT disputing that I owe, because the check has not been cashed at this point it's a matter of WHERE the payment is.
Does anyone have any suggestions? Any advice?