I'm dealing with NCS too. I'm really looking forward to getting this one off. I sent a VD letter CRRR on 1/29/10, and today, I get a letter from them offering to settle for 50% or they will continue to persue collecting. That's it...not one mention of a single piece of validation that I requested. They can't do that right? I'm new at this too, and I've read so much over the last two weeks, but I'm still not sure exactly what to do. I think I've got them, but I don't Know. Someone please help!