I keep getting calls from UCB on my cell and home phone. I have not answered any of the calls, but continue to receive answering machine and voicemail messages. The callers are different every time, although they each claim they've personally left me messages before stating that they are about to "make a time sensitive decision" on my behalf and would like to discuss the matter with me before they do so. Absolutely nothing about the way they represent themselves sounds legitimate or trustworthy. It's parasitic people like these alleged debt collectors who should be out of a job, not those of us who are struggling to make ends meet and settle our debts.