Correction: That is the FTC - Federal Trade Commission. www.ftc.gov
https://www.ftccomplaintassistant.gov/
Each and every person contacted by these people gather information to put in your complaint. Then file it. Let the Feds take care of their butts.

Hi:
I received one of these calls. After 9/11, I was laid off and so was my husband.  We had a credit card account and called the creditor and told them our situation....and that we could only pay $25.00/mo until we got on our feet. They refused...they sent us to collections...we never fully recovered economically from that point, but we always offered to pay $25 or $50 per month...which was always refused.  I don't like carrying a debt like that...I wanted to repay it but could not afford more than what I offered.....we LOST OUR HOUSE....we were both employed in jobs much less than what we had made prior to 9/11, but still felt an obligation to repay the debt, but were turned away...and are still being turned away...
So, Shocked by Shocked...please don't call us "deadbeats"...we do have pride, we do want to pay what we owe; some of us just aren't as lucky as you to have the extra cash hanging around to give them what they want. We still shouldn't be subjected to threats and harassment...just give us a repayment plan we can afford and we'll be happy to pay what we owe...even if it takes 20 years.

looking for an individual - no person at number was rude and i gave them a piece of my mind

Did you know that if you offer to make a payment, no matter how small, they have to accept it. It is illegal for them not to. If they decide not to accept your payment, then their company has to pay it by law.

These people so called Rubin & Yates are Scam artist.  They leave very illegal messages, call relatives, third party disclosure, threaten to take to court....ALL ILLEGAL tactics.  They are nothing but a stupid collection agency.