This is an outsourced collection using their free minutes on a cell phone. They hire people to "work at home" using a local area code thinking you will be tricked into engaging in conversation so people that have lost everything and can't pay them can be bullied. My husband tried to take his own life over so many calls, now he had brain damage and can't collect any government help. I have nothing to give them, if I can't afford food I can't afford to pay this back just yet. Any idiot knows you have to eventually pay your debts or file bankruptcy. They also call more than once a day which is harassment. The calls are worse at the end of the month/quarter because that is when they have a quota due or loose the contracts. I will pay people as soon as I have steady work. God bless America.