This woman is absolutely VILE! "Julie Collins", but I agree with the other poster who says she sounds more like a John, or at least a two-pack-a-day smoking hag.  Calls my husband and I on a regular basis, attempting to collect a debt we are disputing, and EVERY TIME says "Well since you aren't cooperating I am sending this to the legal department and we are suing you." (This is over one month's rent in a legitimately broken lease, mind you) Anyway, then she'll call a week later and I will tell her I'm still waiting to see those legal papers.  This most recent time she said "WOWWWWW, is that really how you wanna handle this?" And I told her it's the only way to handle it, I'm not paying her. And before I could tell her to stop calling my cell phone, she hung up on me.  Like she always does.  Someone should tell this woman that it's a sign of insanity to keep repeating the same actions while expecting a different outcome. That is, of course, if you can manage to say anything before she hangs up on you.