An individual by the name of Melvin Davis who is employed by Collectors Training Institute of Illinois, P.O. Box 4783, Chicago Illinois 60683 sent a letter to my residence. I called and attempted to work out a payment plan for the settlement amount. Settlement amount would be paid in two payments within a two week period. They wanted to have payment within two days. Settlement amount was offered by the company itself. Above mentioned individual began calling my residence the next day and using profanity towards my children as they answered the phone (ex. Tell your F*@King father to pay his F&%king bills) and would then hang up. The individual is not smart enough to think about caller ID, first of all. Second, my answering machine picked up the call and I matched the voice to a message he left one minute later on the same telephone! This collection company is being employed by GE MONEY BANK!