Okay--had a visa card that went to collection agency, wrote them right away and asked for payment plan. They were thrilledto hear from me and were more than happy to do a payment plan. It wasn't even set, they told me $100 orwhatever I could pay to start with and then if my situation improved, I could pay more. I've made three payments in a row every month and for the past two days, they have been calling my home. The person identifies himself as 'joe blow investigater'.