DM Associate keeps calling with messages that we are attempting to commit fraud by a check from our bank that is in their office. Each call goes a little farther with their threat of taking me to court or looking for personal assets which I dont have any, the last saying if we don't respond to their toll free number, they are preparing to file a form that may affect our tax return and any assets that I have...not to mention the fact they call you names because you dont take there calls when I already told them I was laid off from work, but when I do find another job that I didnt have a problem paying my debt but thatas not good enough for them!!! read full review »