This guy was the worst debt collector and left me a minute long voicemail of har**sment! Trying to offer me a loan for my other loans or something the pitch made 0 sense and anyone who pays the slightest bit of attention and takes a minute to slow down and dissect what someone is actually saying could understand this guy was not legitimate. Har**sing, disgusting, and non threatening, all words I’d use to describe your tactics in this situation. Loser SD