Terrie Hickman called me claiming I owe money on an old bill..she claimed that i will be getting my wages garnished if i dont pay! She stated that they have made several attempts to reach me so if i dont pay up Now they will start the process..I recieved No previous calls from these people..she placed me on a confrence call with someone else to settle for less than the original amount she claimed i owed, and said if i agree to set up a payment arrangement then they will stop the garnishment..these people have my account information and have been taking money from my account whenever, and however much they want..