I realize you are just doing your job, but I do not have money to pay anthing but utilities and my mortgage a month late. It does not look like our financial situation is about to change anytime soon. We have thousands of dollars in debt that we cannot pay right now. I apologize.
Debt collector.
The idiots whom you are trying to collect for did not do their job and they did not send me a bill until after it was too late to try and dispute this. Stop calling I am not paying.