The selection I made is not the correct, but it is the closest. They did not use profanity or any abusive language. However, they did use scare tactics and hostile techniques. They called and asked me to pay a debt for XXXX. This company has not sent a single written communication to me. They have only contacted me via phone. How do I know they are not trying to scam me? I offered, however, to make a payment arrangement and they indicated that they could not do so. They wanted the money right then and there. When I told them I could not, they offered me an option to go through a 3rd party company to finance my debt. I said that financing a debt was not a good option since it would charge me interest and I am not doing good financially. He said " Ok so thats fine, we know where you live, your phone number and everything " to that i responded that all it was not a good way to talk to me. I requested to speak to a supervisor and they transferred me to a Sr Specialist. She was better, I have to be honest. But towards the end she harassing me saying that she could put me on hold while I called the financing company and tried to get the money to pay. I said I would call back ( I was at work ) and she said " then I will notate that you refused to pay the debt '' I told her " that is not what I said, I cant call right now, and I will call you back '' she then went on to say " calling back is not one of the options '' I said well, I still need to call you back and she said " Ok I will notate that you refused to pay your account, byeeeee '' that is very disrespectful and using their power to mentally stress me out. I would lie for them to more respectful and work with me on a pmt arrangement or at least send a written formal communication.