Hi - yes these are dirt feeders, the lowest of the low in collections - I have been threatened by them too as well as probably every other collector on the planet - I advised them all in advance that I was applying for ssda and there would be no more income - since June 2010 , they are still calling and now asking for my husband who has nothing to do with my debt as Florida is not a community property state when it comes to credit cards.......he was never even an authorized user and the only thing we own together is the house which in Florida they can not take anyway plus we owe more on it than we paid for it........another thing - if you get a call on your cell phone, they are also violating the TCPA which states they cannot call your cell phone without oral or written permission.......they also leave messages (illegal) that you owe debt - they try to get around the law by saying if you are not so and so then don't listen to the rest......right.......even if it weren't you, you would be nosy enuf to listen........