I just received a call from a rude young punk that never identified himself just asked for me like he knew me and then proceeds to tell me hes a collector and that he wants all my bank information. When I tell him no I just don't give that out over the phone, because I have had my whole account cleared out more than once he proceeds to tell me in a cocky way I am just trying to make excuses because I dont want to pay my debt. I asked him to send me a certified letter stating that we spoke verifying his company  and that I would be glad then to submit my information, his response was No mail don't work for you. Wow I guess hes a fortune teller. I told him I would mail in my promised amount each month and he that wasn't good enough for him. I said the fact that you are so cocky and foaming out of the mouth for my acct information just makes me more skeptical.... He demanded the info and told me I just don't want to pay my bills. He must live a pathetic miserable life and his only method of enjoyment is to harass his elders....well newsflash..... there goes your commission whatever your name was (don't think you even told me that) because now I will be sending in my payments directly to the credit card co.