These are the most obnoxious people, they refuse to give me their address so I can send a cease and desist letter. If they think they are ever getting a dime from me they better think again. If anything they ruined the chance for the company I owe money to of getting paid. (I became unemployed due to the economy, haven't had as much as 1 late pay in over 5 years and they turned me over to these creeps. I get between 9 and 15 calls a day, doesn't matter if I talk to them or not they just keep harrassing me.