I keep getting calls from this number. The name being used is John Gill. He never leaves the company name. He leaves his name, a toll-free phone number and states that he has left me several messages and it is urgent that I call him back immediately. His voice is very stern. Since I have been unemployeed since December of 2008, I know he is trying to collect money. I was so glad to read these posts. I had a good credit score until March of this year. That is because I used a life insurance policy to make minimum payments of $500 a month until that time. Well the money ran out and I have nothing more to give. I had a good job, and never thought this would happen to me. I will never in my life time be able to pay back my debts and it was never my intention to have this happen. I have not been able to find work. I am skilled and I can't even get interviews. But I would never take a job harrassing other people in this economy. I would rather work at McDonald's for minimum wage.