This company refuses to send me documentation of the debt they say I owe. They said it 's against their policy and they are not allowed to send me anything in the mail or by email. I 've asked multiple times and was told my credit card company should 've did that prior to giving my debt to their company. They also are threatening to send someone to my house or work to give me a packet, yet nobody comes. They also said that by not paying I 'm committing fraud and it 's being reported as such. I attempted to make payments and set up payment arrangements and they said they wo n't take less than XXXX a month and hung up on me when I said I ca n't afford that much in a month. They refuse to work with me. I want documentation on my debt and I am unable to get them to send me anything. They call multiple family members in and out of state, even after talking to me and knowing my address and phone number. They tell my family I have a lawsuit against me and they hang up on my family once they are asked to not call again. They continue to call my family even after speaking to me on the phone. If I am unable to answer the phone I immediately get another call, within the same minute of the previous call. They imply that something bad will happen if I do n't pay them and that I am committing fraud, their words, and it will be reported and treated as such. This company also does n't verify my information before disclosing any info. They do n't say, this is an attempt to collect a debt and any information will be used for that purpose. I could be anyone on the phone and they disclose everything.