On XXXX/XXXX/15, I contacted ARS ( Ability Recovery Services ) and spoke with a XXXX XXXX to discuss a settlement request for less than the balance owed. At that time I was informed that my balance could be reduced by {$340.00} and I declined and informed her that I could not pay that amount but could pay {$1000.00} as my offer was also declined. I further informed her that I would be making several payments towards the {$1000.00} and we discontinued the call. XXXX XXXX, 2015, I received a voice mail message from XXXX XXXX asking for a return call. I called and spoke with another representative explaining my situation and he asked me did XXXX ask me/offer monthly payment arrangements and I told him no and he then transferred me to her. I asked the reason for her call BECAUSE I NEVER GAVE HER PERMISSION TO CALL ME and she stated that she wanted to verify if I was still going to make a payment. I informed her that I did not give her permission to call me and reiterated our last conversation and she then began to display her ignorance by raising her voice and being sarcastic, accusing me of not wanting to make a payment, and I became upset and also displayed my ignorance. She hung up the phone and I called back to speak with a supervisor and they transferred me back to her and the argument started again. 

If I never had any intentions on paying my debt ; why would I contact them? I refuse to be bullied by a debt collector or anyone else for that matter and the lack of respect, professionalism, and harassment is unacceptable. I never made an agreement to pay a certain amount or within a certain timeframe and I specifically informed them not to contact me by phone.