This company calls me about a credit card that I had in 2005! It was charged off in 2008 and I haven't heard a word until now! I called to see what it was about since I didn't recognize the original creditor. The guy I talked to assumed I get "rental assistance" (and was rude about it) simply because I get State Disability assistance right now until my RSDI kicks in. First of all...how dare you "assume" I get "rental assistance" because I am on SDA, you don't know me and to just throw that out there, WOW. Also I said it was charged off over 2 yrs ago and he says and? I was like uhmm well this is the first I have heard anything about it and I have no money to pay it..."well have a family member help you out, you racked this credit card up it's your obligation to pay it". Excuse me pinhead this is the first I heard about it in TWO years! It is not my fault no one has contacted me. He says well the original creditors may want to pursue further action. Well good luck buddy because you can't squeeze blood out of a turnip! He says in closing "Good luck" and hung up on me! Wow that is what I call excellent customer service right?! NOT! These people are a bunch of money hungry jerks. They will continue to harrass you until they break you down so you pay...It won't work on me!! Keep trying and you can take me to court but I have nothing to garnish and no assests! They will be wasting their time!