I called to UCB collections to make a pmt and negotiate what I owe. I was layed off and been under unemployement for the last 6 months. I also have a 7 month old and am struggling. I explained all this to James and he did not care. He said that if I wasnt going to pay the amount he negotiated today to not waste his time. I explained I cant afford that, he said stop going back and forth and just pay or stop wasting his time. I told my sister to call for me because i was to emotional and upset. She called and they were just as rude. She asked... read full review »