It is Atlantic Credit and Financing. One of the 3 numbers I've learned (so far) that they call from. I have been paying them, but through a debt management program I was already enrolled in via work referral. They don't like that I'm not going directly through them (I don't know nor care why) and continue to call and harass me daily, although they confirm they are receiving bi-weekly payments from my debt management program. As others have noted, ACF's drive seems to be to get the monies in full RIGHT NOW! So, they probably will continue to harass me until I change my mind about sending in monthly payments. Which, will be never.