These guys violate FDCPA constantly, immediately put them on notice, request validation of debt and you can hear their knees shake. They are basically a group of undereducated underachievers and are a franchise of collect america. their owners are out of state, let them take you to court and watch them scramble to settle for 30-40% of what you owe, remember they purchased the debt for about 5-10 cents on the dollar, classic telephone tough guys.