I get more then25 to 30 phone calls a day by these people looking for payment. I talk to them my husband talks to them and they still keep calling. We are both in Real Estate and with the market the way it is we are just barely hanging on to service. We tell them that as soon as we can send in money we will and when we set up a payment plan or try to negotiate the bottom $ amount they agree and still call. I have stopped answering the calls all together now and they won't even leave a message they just hang up and call again.