Thank you for the info. I got a call this afternoon at 5:41, according to my voice mail time stamp. All it said was this is Jonathon Graves with Keller King and Associates. He said he was calling to advise me in a legal matter that I did not yet know was pending against me. He left the phone number and an extension that didn't even work! I left a message on the main line. All I know is that he scared me to death! I don't understand how I could be involved in a legal matter when every bill we have that is even a little behind has both mine AND my husbnad's name. Anyway, I'm glad I looked it up.

I have gotten calls from this company from Elizabeth Holden. First she said I needed to reach a settlement and gave me the amount. When I said I couldn't come up with that amount right then she told me to ask my family, which I did even though Iknew no one would be able to help me cause they don't have the money to give to me. When I called back and told her I couldn't get the money then all of a sudden she could accept payments but she still wanted more then I could afford. I explained to her my situation, she told me the company didn't care. They went a week without contacting me again and called me again today I'm sure to try to get me to pay what "they" want me to pay but I can only do what I can and want to do the right thing by paying on my debt. It's like they want you to give them the amount they say regardless if you'll have money to buy food and put gas in your car to get to work to make the money to be able to pay them.

if you could get a hold of the credit card company or bank that funded the card they will take low payments. this company wants a substantial down payment(good faith payment) and large monthly/bi-weekly payments. they want the big down payment because if your payments fall through, they have the bulk of the money in hand and in their pocket.if they told you they've stopped all fees or havent tacked on any, ask for a VALIDATION OF DEBT, which includes original balance and the balance now after the fees they've added in the office,THESE COMPANIES HATE GETTING VALIDATIONS OF DEBTS B/C IT COULD TAKE MONTHS AT A TIME,which in turn could help you out or buy you some more time. if the phone calls are harrassing or bothering you and you tell them not to call you or bother you, IT IS AGAINST THE LAW FOR THEM TO CONTACT YOU.you can also get a cease and desist and that'll stop any contact to you or your business. remember, record the calls and if they say something they shouldnt, you can have the debt paid for and the company would get sued and pay all your legal fees.

I thought that no matter how much you sent, as long as you were sending something they could not turn the money away. They may not like it, but they have to accept it. They'll be making more $ off you for interest anyway.

said they are looking for my daughter who is 10 yrs old.  Said good luck on trying to help her cause they will find her.