I have not lived with my parents for over 20 years and they called my father at his work. I have had so many letters and calls from these people over the years XXXX and I find it hard to deal with. The company Portfolio Recovery has 4 collections on me totaling almost {$2500.00}. In the past I have tried to call and they are not willing to work with any type of payment plan for someone on foodstamps with low income. I have no idea what companies or debts they represent. They fill up my credit report and make it hard to find a home, job, school loans.The continuous letters and harassment have led me to feel consumed with fear, worry and anxiety. I tried to buy a home recently and was crushed to find out my credit score. I am a person with XXXX and the hits on my credit and all the continuous harassment mail and calls XXXX.