i have only spoke with them twice and the same lady calls. I was being nice and stated that i couldn't afford what they wanted and i would pay what i can and she was rude and uncaring! look i can pay you some money or no money! If i am being nice to you when you when you call the have the respect to do the same!
When a collector began screaming at me when I called to negotiate payments on a credit card, I hung up, called an attorney and filed for bankruptcy the next day.
Lady called and I tried to be polite but she seemed incapable of understanding that I am on social security and was in poor health so unable to pay what they wanted. Wanted me to pay a monthly amount that is twice what I get for social security. They weren't interested in what I could pay.