Keep receiving harassing phone calls from Action Financial Services (Kay Raymond) who demanded that a payment be made for a student loan in less than 10 days.  I am a homeless vet with no income until the following month to pay but she refused to accept anything but a payment in less than 10 days from our phone conversation.  Kay Raymond also demanded me to go ask a family member or friend for the money.  AFS is also calling my employer and reporting information about me to my employer (just started work this week - still on probation) on my student loan.  I received a phone  call from my employer about it.  I'll be fired now.  So I'm back to no income again because of AFS when all was needed was for them to wait until I received my first pay which at the time I didn't know when it was because AFS was also speaking to my employer which in turn was preventing me from starting work.  AFS was delaying the process of my start date.  Now I'm receiving harassing phone calls from AFS (Patty Williams) at my place of employment. Speaking to HR.  AFS is going to have me fired.  They are rude, uncooperative, refuse to send any information to you whether fax or mail.  Payments have been made in the past but are not showing being credited to my student loan.  Nobody wants to face up to what happened to those payments.