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Getting Harassing calls from Debt Collectors. What steps should I take?
A few months ago I got a phone call from a man from a collection agency. He was very rude and imitating, I got off the phone and I cried. He made me very scared that I couldn't focus the rest of the day at work. He stated that I owed x amount of money and if i didn't give them credit card information or checking account information right then, Id basically be in big trouble. First off I didn't know what these amounts were. I had recently moved so my mail was having some trouble reaching me. He told me if I didn't pay by a certain day he would call my work and get it taken out of my paycheck. A few weeks passed and during this time I talked to my parents and they agreed to make payment arrangement with this awful person. He called me again and started yelling at me about how I should know about the statements from the insurance company and i told him it wasn't in my name. At this point I felt very stupid. He called my parents and told them he would call them back a few days later but he didn't. I received a call from someone else in the office who was supposed to send me a bill. We had agreed on payment arrangements but i wanted to see the amounts because during the conversations with the other man they had increased. I never received a bill. I received another call from this man this morning stating I had 24 hours to contact the office and he was very threatening. I called the office and talked to the woman I previously talked too. I told her I hadn't gotten a bill and she said that they had sent them. I understood that and I asked her if she could please send me another one so I knew the exact amount. She said she couldn't. She started to yell at me about my grandmother and I didn't know what she was talking about since one is deceased and one lives in a another country. She said she had to make voluntary payment arrangements with me and I said I'm more than volunteering to make some sort of payments. She started screaming at me and I asked for the address. She gave it to me and asked how much I could send. I get paid every two weeks and I get my refund check in a couple of days but as of today I could only send $100 before I could get that out and the fact that I would send even more after I get more money she screamed at me and said she would recommend me for other " action" and proceeded to hang up on me. I have never had anyone be so rude to me besides the first person I spoke with. I sent a payment in this morning with $100 which is basically all the cash I had. Is this something they can do, treat people like trash? They made me feel this way and my parents. I'm doing my best and they don't want my best they want me to do the impossible. Please let me know what i can do about this. These people are making me physically sick.
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