Bay Area Credit Services has been harassing my in-laws for an emergency room debt that has long been paid and had nothing to do with them. I 've told them the debt was paid but they do n't believe me and wo n't furnish the proof that I owe anything. I have the receipt and confirmation of payment, as well as proof from my bank account but I refuse to send them any of my personal financial information. The callers have been rude, unprofessional and abusive. They have screamed at me and hung up on me several times.