i'm extremely frusrated with this debt collector!!! i have dealt with this bank many times before and never have i had the same rep everytime i have called. he continues to be rude, condisending, disrespectful and not willing at all to listen. i've tried numersous times to explain to him how i would like to pay my debt to j.crew but have no money to do so!! my husband and i lost our small business in september, i work partime and he and i are looking non-stop for jobs!! this guy or this bank doesn't seem to understand what it means when i say i want to pay this off but can't pay the amount they are asking for monthly!! i talked to a very nice gentleman in september and he gave me an option to pay 41.00 a month for 3 months and it would be drafted from my checking account, they drafted it only once and now are basically calling me a liar that this is not what happended. they want me to pay 175.00 a month for 12 months and i have explained to them or him over again i cannot afford to do this. i can pay 50.00 a month but he says he will have to take further action...the bank will come after me. what does that mean??? i owe 1, 200 dollars to jcrew and this guy says they are coming after me!! i have been working on for months now with my mortgage company to save my home and they have been absolutlely wonderful, i owe them 204, 000 dollars. so, do you see my frusration?? who do they really think they are and why do they feel thay have to be so intimidating to get what they want. did his mother not teach him consideration!! be nice you might get what you need!! i would love to give them some money but i can only do what i can only do!!