Yes, he really is an annoying PUNK... I had made a payoff deal with one of Carmel's employees around 11 months ago and made my last payment in July.  Needless to say, I get the monthly reminder on the payment so I call and politely leave a message on their night time recorder to let them know that I had honored my agreement with the person mentioned above and to NOT pull the monthly withdrawal from my account.  I get a couple calls the next day from above menitoned PUNK and he wants to argue about all this, saying that was a stupid thought, etc., and so on.  So I asked for the lady I had worked the deal with and of course, she is not there anymore, and all he wanted to do was pressure and pressure so I hung up.  I called back trying to get a person in a responsible position, and got him again. Again, it is pressure, pressure, and that what I said wasn't so, etc., and so on till I said the word damn and he informed me if I continued to talk that way he would just have to disconnect the call. Told him that was alright, I would disconnect for him.  These calls gave them the 3 days they require to stop a bank withdrawal and you know what, they tried to pull a payment anyways.  I had gone to the bank and put a stop payment on it and any future times they try to pull it and sent them a certified letter telling them "Do Not Contact Me Again."  They have pulled money out of my account before using a different form of their business name hitting my account just now and again.  I am set to go to the Consumer Protection Agency, Attorney General, Federal Trade Commission and anyone else I can complain to.  And yes, I never should have gotten into a position to where a Collection Agency had a reason to come after me but, let me tell you, when bad things happen...they are one right after the other for years!!!  They are lucky I was here to even make an agreement with them much less honor it.   ANYWAYS, yes, they are calling both the home phone and my cell phone still even though I have gotten a signature back on the certified letter days ago (I don't answer)...and they attempted to take a payment out of my account when I had given them their 3 day notice not to pull anything out of my account.