I have recently sent a request for validation letter to
NCO and haven't heard anything but I did get a call last
night from F MS Inc. I didn't recognize them on caller ID
and when I answered they said they were representing NCO.
They were very professional and very nice but my
question is does anyone know of this group
or what their role is?

The important part here is did they tell you they were a
debt collector and any information they gained in the call
would be used for that purpose? Did they give you a full
and meaningful disclosure of who they were, meaning their
full name, their full mailing address, phone number, the
name of the creditor, their full mailing address and the
amount of the debt they are trying to collect?

Have they put an inquiry on your credit report?

If they pulled your credit report then they must have a
demand letter in your hands within 5 days after the
date of their pull or within 5 days of their initial contact
with you by whatever means.

If not they are in violation of the law and probably in
multiple ways. You need to learn those things and how to
defend yourself against their attempts to collect.

Your failure to know the law and how to defend your
rights under the law means that you really don't have any
rights except those which the other fellow is willing to give
you and that isn't much. Don't let them abuse your rights.

Your credit ratings and your rights under the law are really
among the most important assets you have in this life.

Another thing we need to understand is that our
Constitution and the law is not there to give us any rights
but to protect the rights given us as human beings by God.

Also our constitution does not give rights but rather limits
the power of government and protects us from the abusive
actions our government might concievably heap upon us
were it not constrained in what it can do were it not so
constrained.

Many supreme court decisions tell us that it is our duty
as citizens to know the law.