They have repeatedly called me in the morning and at night. We just moved back state-side after living overseas for three years. We are trying to get our finances in order and I have asked them to send correspondence and to stop calling. They yell at me stating that I owe them money. Last call was at 4:26 pm, MST. I had to hang up on him. We are looking for a resolution to this debt but they are not helping the situation.