Must be a collection agency. I was in an accident and lost my job. I am ashamed to say that I am unable to pay my bills. I worked so hard for my credit and in a moment, it has all been taken away from me. I had sent “cease and desist” letters to my creditors upon my financial demise, but they have now turned my debt over to collections which started the clock ticking again. I hate to change my number, but I am still looking for gainful employment; hence, I must answer my phone calls. I never imagined myself in this situation. I’ve been unemployed before, but this time it’s different. I’ve had to take lesser positions in the past to make ends meet. This time, the lesser positions are not even accepting applications! What a mess! Like a lot of Americans, I am scared and frightened. These creditors calling only makes it worse. I, like most, would pay it if I could. At this point, I am just worried about keeping food on the table. I don’t wish this scenario on my worst enemy. I never thought it could happen to me, but now it has.