This company contacted me claiming i had 24 hours to make a payment in full ( less than 2000) or i will have police at my door serving me court papers for and old cc i DID fail to make payments on nearly 5 years ago... i made an initial payment of 500 to keep them off my back and there little scare tactic worked until i did further research by contacting attorneys and bankruptcy lawyers in my area. After i did my home work i was aware of their unlawful tactics to collect my debt.. such as.. stating i was speaking to an attorney... in there office they don't have one but Mr. Swanson claimed to be which is against the law... Cursing to me on the phone which is also illegal.. a debt collector may not curse at you they are breaking the law according to the Fair Credit Reporting Act.. After cursing at me i then asked if i could record the remainder of the phone conversation... he abruptly answered ' Hell No' and told me to stop calling there offices im wasting their time and hung up the phone.. YES!! Finally i got a debt collector to tell me to stop calling and they were running with there tail between there legs... So down 500 i requested a receipt of payment... they said to look at my cc statement for a receipt... errrr.. WRONG ANSWER!!! a merchant is required to show proof of payments collected and to provide a receipt.. they did not and claim they will not give me a receipt so i am disputing the transaction... further more without a payment arrangement set up the attacked my cc with 2 attempts of 1000 and one for 500.. also illegal without your authorization but luckily i have a pre-paid card so the funds were not available.. this so called company has only been open since February 19 of 2009 and collect debt in a unlawful manner... i have asked numerous times for verification of my debt and their offices through paperwork for my ending balance on my cc and verification of charges other than the 900 dollars my cc closed at... they do not comply and will not prove to me why i owe more than my cc debt.. i understand debt collector may be rude but you should not be treated like a third class citizen... and further more there are laws they have to obied by or action can and will be taken against them... the people in this office are poor excuses for humans... don't fall for there tactics... they have laws to obied by... look up the laws... get info and call them requesting to act in accordance to the Fair Credit Reporting Act and watch them run.. i am no attorney but with advice from one and a little homework has saved me.. hope there offices are shut down soon and action is taking against these cowards!!