I owe money, who doesn't, I was contacted at work and told that I was about to be in wage garnishmnet. She told me that they were going to garnish 25% of every one of my paychecks. She told me I was "one of those people that don't pay their bills." I asked her what I needed to do to keep them from garnishing my wages, and she told me to pay the debt in full. When I told her I didn't have that kind of money. She said, "Well I suggest you find it." She gave me untill 3 days later to call her back with some money. She also told me that the repayment options I had previously negotiated were no longer available to me, and that if I made a payment of $50 that only $1 would go to principle and that I, "would never pay it off." She was deturmined to get money. She contacted my cousin, my mother, my grandparents, and my work. So many Violations. The last time that I talked to them I told them that I no longer wanted to communicate by phone, and would gladly send them a letter requesting written communications only, and they sure changed their tune. This one didn't threaten me, but appologized for the previous case worker. She tried to make it all better, and I gave her a reloadable visa number, to be drafted off of, but quite frankly after this company made angry by bringing me to tears, I am contimplating my legal options. So I guess the big question is "Are They Just Another SCAM?