text: Every other day?  Sounds like harassment...\n\nTell them that they are in violation of Federal Law (the Fair Debt Collection Practices Act) because a) they need to provide you with a written statement of the debt they allege you owe and b) are calling you in a harassing manner.  Also inform them that you are recording every call you have with them.  \n\nDo not give them access to your bank accounts over the phone!  I wouldn't even give them my crdit card number.  Insist on a written, mailed statement.  \n\nJsut remember: if the debt collector is breathing, he's lying.