I have talked to these people and told them my situation (unemployed for 14 months). I asked them if I could set up a payment based on my next unemployment check (coming two weeks after the call). They told me two weeks is too long a span of time. So, after talking to them, trying to set up a payment and being told I can't at that time, they still persist in calling me, as if some drastic change happened in the 24 hours since I talked to them. I just hit the ignore button on my phone. They never leave a message. I think this is harrassment as I originally spoke to them and tried to do right by them but they refused.