This collection agency is a nightmare! I was a victim of credit card fraud, so my $8000 bill was highly unexpected.
I was called a criminal, a liar, and a thief by a gentleman named Kevin.
I paid in full by placing myself in further debt, and then kept receiving bills from them. It has been four months and it still has not been cleared from my credit report.
I call every week and someone has mysteriously "forgotten" to fax me the appropriate paperwork.
FYI- You can make make payments on debt, so ignore the idle threats.
Hope this helps.
