nco finacial systems is a bpo for you that hv no idea what that means they handle accounts on behalf of all the other companies, they have offices internationally, so as to it being a scam, always ask the agents what law they fall under, the correct response would be the fdcpa, 3rd party collection agency act.
if that isnt the answer you receive, ask to speak to a manager. the corporate number
1 800 220 2274
1 800 224 4000 is the legal dept