they just called me.....they had also called my son...how they got his number is a mystery to me.  I hate not being able to pay, but don't deserve to be treated the way he just treated me.  I am not just refusing to pay, I just can't right now.  I will keep mer Carl Schwartz in my prayers...I am sure he just trying to do his job.....a job I am thankful I don't have.