I stupidly answered a 800 call and it was a debt collector that had an Indian accent. He insisted he could get my debt way down. Then when I said I would get back,to him on it, he became mean and said I had to give him 100.00 for the so called deal! It was a learning experience, and I will not do it again. What is really sad, is how many poor, elderly, lonley, isolated people they do scare into writing post dated checks ECT. Its sick!