I contacted National Credit Systems to attempt to resolve my debt at an apartment community I use to live at. XXXX XXXX, the representative over my account was obscene, being rude and stating that she was n't trying to hear me say what was legal because I am not a lawyer. She then transferred me to her manager, or supervisor, voice mail. I left him a voice mail. Then I called back to ask if a different rep could be assigned to my case and the operator informed me that no that could not be done. She gave me the manager and supervisor extension ( XXXX XXXX XXXX XXXX XXXX ). I left a voice mail with XXXX of them also. I am trying to resolve this debt before it hits my credit and XXXX XXXX is not allowing me to do so because of her disrespect and non cooperative attitude and behaviors. I have read the laws governing fair debt collection and consulted with legal counsel regarding it. XXXX XXXX told me that even if I was paying on my debt since it was n't auto drafted from a checking account it would not stop it from being reported to the credit bureaus. This is a violation and unfair credit practice. The call was monitored and recorded so there is proof.