Arrow Financial came after me years ago when a debt was sold to them. They made an agreement with me over the phone to settle for $2000. I paid them $1000 up front and then made payment arrangements for $101 for the next three months. They told me to call back at the end of the three months to schedule the remaining balance. When I did so, they told me there was no arrangement and I owed approx $3800. At this point I was furious! They then sold my account to someone else, then bought it back, then eventually served me.