I am sorry, but NCI is a debt
collection agency, and were contracted because of an outstanding debt that you had. I do sympathize with you about your disabled nature, but that doesn't entirely obsolve you of your debt. Based on personal experience, companies are more apt to work with you if you are upfront about your situation. However, if you let it get to the point of a 3rd party agency, then they are less likely to work with you."
I do not trust these people. We came to an agreement of 75% of the settlement, the amount to be forgiven. The next day they tried to tell me they agreed to 25%. They outright lied! They will just have to wait. NCI is the fourth collection agency the account has moved to. If they cannot settle the debt in a certain amout of time, another agency will be found.