I too have been harassed by Simm Associates the same way by Ginger Wheeler :evil: . She called my work repeatedly even AFTER I told her not to call my number again. Told her I wanted validation and she got ticked :x and refused and said, "Oh are you refusing to pay the bill." I said, "I'm not doing anything until I have validation in my hands." She said, "Oh, so you are refusing to pay this bill, perfect, that's all I needed." Needless to say she hung up on me, because I read her the validation points needed and boy did she get mad :evil: . I have sent a letter of validation to them.