If you are tring to make every effort to pay the debt, thats great. This message is not to provide you with a way to avoid paying the debt. There are ways you as a educated consumer can fight back. I am in the same boat you are. Thise "debt collectors" are not following federal business regulations, if you have a valid claim, I urge you to file a claim with:
Minnesota Department of Commerce
85 - 7th Place East, Suite 500
Saint Paul, MN 55101-2198
(651) 296-6319
www.commerce.state.mn.us
Best of luck to you, just try to pay what you can. Remember their not supposed to call you at work if you have a letter sent to them. Don't let them push you around. Debt collectors, of this demenor representing the values for CLX Systems are not better then the crooks that prey on innocent victims. Pay your debts, don't do it because they push you around. Also, if they call you before 8 AM they are violating state laws, get documentation and send that to MN Commerce. Hang in there anonymous.
If you hate dealing with these guys on the telephone, I have heard the best thing to do, is mail the largest payment you can afford, with a letter explaining your situation. Explain in the letter what you intend on doing, and stick to it. EVERYONE would be better off if people took Dave Ramsey's advice:
Get Out of Debt with the Debt Snowball Plan:
Myth: I should pay off the debt with the highest interest rate first to get out of debt quickly.
Truth: You should pay off the smallest debt first to create the greatest momentum in your debt snowball.