I have been harassed by these people who refuse to provide me with absolute proof I even own the credit card they want money for. When I tried to work with them, they refused to accept what I could pay and forced me to agree to a payment I couldn't afford.
I closed my bank account and told the caller they could accept what I could pay them each month and still pay my rent, utilities, and food. He threatened to report that I was refusing to pay, that they would sell my account and increase my balance. I requested the address to pay them directly. He said I already had it on the letters he sent me.
While telling him I had not received anything from him, he hung up on me.
I've had it with these people! I always try to pay what I owe, but they have NEVER cooperated with me and constantly make demands I cannot meet.