l have received the collection letters from Cavarly Collection Agency for a year . Now they transfer the dept to Law firm ,which send me recently letter for collection again. I call Cavalry and wanted to discuss the dept ,but they said it is own now by other collection agency ,which is Law firm with very bad reputation from NJ. How do I find if they have operation license in NC. What they can do to me? They did not even send certified mail. Just regular letter requesting to pay them whole amount of money I have on dept. Statute of limitation expires in NC in 3 years ,right? This debt is is 26 month old,and should expire in about 10 months. Should I wait if they will keep sending a letters?