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This is their contact info: AAC 7027 MILLER RD, WARREN MI 48092 800-614-4730 - Creditors aren’t allowed to harass. Remember we do have rights. If you can't handle the pressure and the collectors scare tactics, find someone who can help you settle the debt. For tips and strategies on how to settle debts go to: www.creditcleaners.net/debt_negotiation.html - There are others out there who settle debts, just interview them and make sure you can trust them. CreditCleaners.Net actually posts their settlement record with names of creditors, debt balance and percentage of settlement. Their average settlements seem to be 50-60% of the balance. - You can learn about your rights as a consumer at www.CreditCleaners.Net go to the link "Fair Debt Collection Act" bottom left, you will probably realize that many creditors and collectors violate many of the rules of collection. - FYI, don't call a collector without being prepared to record your conversation. You might want to use a professional debt settlement agent to help you. If the creditor harasses you, file a complaint at FTC and with your state Attorney General and Better Business Bureau. Best wishes to you.