These people claim to be a debt collection agency but I have my doubts about their legitimacy. They keep calling all day and as soon as I block one number , they use a different number. They have also had someone call on their behalf claiming to be an investigator looking for a Ryan Krotz, who I have never heard of and giving some file number and threatening like you will be sued and it's your last chance etc. I have said that this person is not at this number and they persist in calling even after I said not to call back anymore.