Kelly Lowman called today to demand I speak to her and she also explained this was not a joke. She stated she would call my neighbors and discuss my owing $10, 000. for non payment on a car. After finding a local Pro bono attorney agency that advised me to speak to a local Credit analyst to understand how I could solve this issue when I was a co-signer and my son had worked to keep his car. Somce KIA took the car and sold it in 2008 what could I do. I was told to understand that collectors will do just about anything to get his or her money for calling you. I was also told if I start paying on this bill be ready for the verbal abuse. Either way collection agencies have regulations they should follow. I am not even able to get a raise at work and at the age of 55 my state agency is hiring younger employee's who need. I am take the overwork loads for less pay. How do you pay for something if you do not have the money to put gas in your car to get to work. what a life.