This is Commonwealth Financial Systems. They are a debt collector and do not follow the law when it comes to debt collection. Report them to the CFPB: http://www.consumerfinance.gov/

http://www.necredit.com/index.htm

Commonwealth Financial Systems, Inc.
245 Main St.
Dickson City, PA 18519

Phone: 570-347-1115
Fax: 570-963-1644

Email: info@necredit.com